The Health Insurance Marketplace
2020 Open Enrollment is here.
You need health insurance, we can help!
IMPORTANT: 2020 Open Enrollment starts November 1
If you don’t act by December 15, you can’t get 2020 coverage unless you qualify for a Special Enrollment Period. Plans sold during Open Enrollment start January 1, 2020.
You can preview 2020 plans and prices now, and complete your enrollment starting November 1, 2019.
New Hampshire residents who are buying a plan on HealthCare.gov should update their applications and actively compare plan options. If you don’t have insurance, aren’t happy with your current coverage, or are looking for a more affordable plan, the Health Insurance Marketplace provides you with new options to find health coverage that fits your budget. You can search and compare plans online, and quickly see if there’s a plan that works for you.
The Health Insurance Marketplace offers a variety of plans to pick from. You have the option to pick a Bronze Plan, Silver Plan or Gold Plan. Plans in each category pay different amounts of the total costs of your healthcare. For instance, you may pay 40% of the cost if you go with the Bronze plan, 30% with Silver, and 20% with Gold. Co-pay and deductibles may apply.
What to Consider When Choosing a Plan
If you expect a lot of doctor visits or need regular prescriptions, you may want a low deductible Silver or Gold plan. These plans generally have higher monthly premiums but pay more of your costs when you need care.
If you don’t expect to use regular medical services and don’t take regular prescriptions:
You may want a Silver or Bronze plan. These plans cost you less per month, but pay less of your costs when you need care. Make sure you look at all the costs that come with having health insurance. Be familiar with the plan’s monthly premium (how much you pay each month), deductible (the amount you pay before your insurance begins to pay), and co-pays (a dollar amount you pay for a medical service). It is important to consider all of these costs when choosing a health plan. The plan that is the least expensive every month may not necessarily be the best option for you and your family.
5 Facts you need to know:
1. Open enrollment on the Health Insurance Marketplace lasts until December 15 on HealthCare.gov. Beat the rush and sign up early.
2. No matter if this is your first time getting covered or you are returning to shop and save, you must take action by December 15.
3. Those who choose to go without health insurance may have to pay a penalty.
4. Coverage could be more affordable than you think - and there is a possibility to receive financial help. Last year, 8 in 10 people qualified for financial help - for most people, that meant they could find premiums between $50 and $100 per month.
5. Free help is available. If you have questions about signing up or want to talk through your options with a trained professional, free help is just a call or click away. Call 1-800-318-2596 or click here to get local help.