Obamacare Resource Center: Learn More Here

It’s Finally Here! The Health Insurance Marketplace has begun enrollment.

Visit any of these sites to learn more, or to apply for health insurance:

 


Big changes are coming for health care consumers starting today, October 1, 2013, with the launch of health insurance exchanges, or marketplaces, where consumers can shop for and apply for private health insurance plans. The exchanges are going online, here in New Mexico and nationally for both individuals and businesses.

Starting January 1, 2014, when the Affordable Care Act or ‘Obamacare’ takes effect, health care consumers will have more choices—at lower costs—than ever before.

The health care law is already providing better options, better value, better health and a stronger Medicare program to the people of New Mexico, and starting on January 1 insurance companies can no longer refuse coverage, or charge more for coverage based on pre-existing conditions, along with other important reforms and added benefits.

In preparation for these changes, we’ve put together this Resource Center to help consumers learn about the law, become familiar with the benefits, and how it will effect them.

CONTENTS

INTRODUCTION

What is the Health Exchange Marketplace?

Obamacare1The Marketplace is a new way to find quality health coverage. It can help if you don’t have coverage now or if you have it but want to look at other options.

With one Marketplace application, you can learn if you can get lower costs based on your income, compare your coverage options side-by-side, and enroll.

What you’ll learn when you apply in the Health Insurance Marketplace

When you use the Health Insurance Marketplace, you’ll fill out an application and see all the health plans available in your area. You’ll provide some information about your household size and income to find out if you can get lower costs on your monthly premiums for private insurance plans. You’ll learn if you qualify for lower out-of-pocket costs.

The Marketplace will also tell you if you qualify for free or low-cost coverage available through Medicaid or the Children’s Health Insurance Program (CHIP).

Most Americans will be eligible to use the Marketplace. Learn more about Marketplace eligibility.

The Health Insurance Marketplace is sometimes known as the health insurance “exchange.”

Apply online, by mail, or in-person

You can apply for Marketplace coverage three ways: online, by mail, or in-person with the help of a Navigator or other qualified helper. Telephone help and online chat are available 24/7 to help you complete your application. Downloadable and paper applications will be available October 1.

Open enrollment starts October 1, 2013. Plans and prices will be available then. Coverage starts as soon as January 1, 2014. Open enrollment ends March 31, 2014.

Learn about your options if you need coverage that begins before January 1, 2014.

NEW MEXICO’S HEALTH INSURANCE MARKETPLACE

 

The New Mexico Health Insurance Exchange (NMHIX) was created to help you get affordable care for yourself and your loved ones. We’ll connect you to a plan that meets your needs and fits your budget, help you fill out forms and show you how easy it is to apply for financial assistance. Once covered by an NMHIX plan, you’ll have access to quality care like never before.

Watch the introductory video here.

Visit the New Mexico Health Exchange to learn more.

HOW THE AFFORDABLE CARE ACT IS BENEFITING NEW MEXICO

Because of the Affordable Care Act, the 79% of New Mexicans who have insurance have more choices and stronger coverage than ever before. And for the 21% of New Mexicans who don’t have insurance, or New Mexico families and small businesses who buy their coverage but aren’t happy with it, a new day is just around the corner.

Soon, the new online Health Insurance Marketplace will provide families and small businesses who currently don’t have insurance, or are looking for a better deal, a new way to find health coverage that fits their needs and their budgets.

Open enrollment in the Marketplace starts October 1, with coverage starting as soon as January 1, 2014.  But New Mexico families and small business can visit HealthCare.gov or BeWellNM.com right now to find the information they need prepare for open enrollment.

The health care law is already providing better options, better value, better health and a stronger Medicare program to the people of New Mexico.

Learn More About how the Affordable Care Act is Helping New Mexico. Click Here.

Visit the New Mexico State Health Exchange Page. Enrollment will start October 1.

BENEFITS OF THE AFFORDABLE CARE ACT

The Affordable Care Act is already working to benefit millions of Americans, and beginning January 1, 2014, when the full law takes effect, the law will benefit millions more. Republicans in Congress want to take away from Americans the benefits that the Affordable Care Act is currently providing, and will provide in the near future, because they know that its success will mean even more support for reform.

A number of benefits from the Affordable Care Act have already taken effect.

  • Insurance companies may no longer use simple mistakes and typos to deny cancel coverage if a person become ill.
  • Insurance companies can no longer deny coverage to children with pre-existing conditions — from asthma to allergies to old injuries — with the exception of “grandfathered” plans in the individual market.
  • Young adults may stay on their parents insurance up to age 26.
  • Insurance companies may no longer limit the amount of coverage available to those who face expensive medical conditions. This will help Americans who develop chronic illnesses.
  • Many plans, with the exception of those “grandfathered” plans in the individual market, must phase out annual limits over the next three years.
  • Insurance companies must pay for preventative care, such as mammograms and immunizations.

GET READY TO ENROLL IN THE HEALTH EXCHANGE MARKETPLACE

Starting October 1, 2013, you can apply and enroll in health coverage through the Health Insurance Marketplace at HealthCare.gov or at BeWellNM.com. Health coverage starts as early as January 1, 2014, and open enrollment ends on March 31, 2014.

Through the Marketplace, you can apply, compare all your options, and find out if you can get lower costs on monthly premiums or get free or low-cost coverage. When you’re ready to enroll, you’ll decide how you pay your premiums or get help signing up for Medicaid or CHIP if you’re eligible.

Before open enrollment begins, you can explore your options, prepare to apply, and sign up for Marketplace updates.

What you can do starting October 1, 2013

  • Apply by filling out the Marketplace application
  • Compare your coverage options
  • Enroll in a plan or program

Read the Fact Sheet

Download and Print the Marketplace Application Checklist

Visit the New Mexico State Health Exchange Page. Enrollment will start October 1.

THINGS TO THINK ABOUT WHEN CHOOSING A PLAN

Starting October 1, 2013, the Health Insurance Marketplace will offer different types of health plans to meet a variety of needs and budgets. You’ll get a clear picture of what premiums you’d pay and what benefits and protections you’d get before you enroll. Compare plans based on what’s important to you, and choose the combination of price and coverage that fits your needs and budget.

As you shop for a plan, here are some things you should know: All plans in the Marketplace offer the same set of essential health benefits These are many of the benefits that people need when getting care. They cover things like doctor’s visits, prescriptions, hospitalizations, pregnancy, and more.

Plans can offer other benefits, like vision, dental or medical management programs for a specific disease or condition. However, specific benefits may be different in each state. Even within the same state, there can be small differences between plans. As you compare plans, you’ll see what benefits each plan covers. This will be helpful if you have specific health care needs.

Plans are put into 4 categories in New Mexico. Consumers can choose a plan based on individual projected heath care needs

When you compare plans in the Marketplace, they’re put into four categories based on how you and the plan can expect to share the costs for health care:

  • Bronze
  • Silver
  • Gold
  • Platinum

The category you choose affects how much your premium costs each month and what portion of the bill you pay for things like hospital visits or prescriptions. It also affects your total out-of-pocket costs – the total amount you’ll spend for the year if you need lots of care. The categories don’t reflect the quality or amount of care the plans provide.

Read the Fact Sheet on Choosing a Plan

Visit the New Mexico State Health Exchange Page. Enrollment will start October 1.

THE AFFORDABLE CARE ACT AND MEDICARE

Anyone who voted in the 2012 presidential election was likely to have heard, over and over again, that cuts to Medicare of about $700 billion were a part of both Republican and Democrat plans to reform health care.

Does Obamacare actually cut Medicare? In a word, No.  With Obamacare, the government will still spend money on Medicare, and the amount of money it spends will still increase each year. What will change is the rate or speed at which that money is spent

Learn more about the Affordable Care Act and Medicare. Click here.

RESOURCES

How the Affordable Care Act is Helping New Mexico

Explaining the Affordable Care Act in 214 Words

ACA Timeline: See all timeline items on one page

Read the Law: Read and search the Affordable Care Act in full or section by section

Read the Supreme Court Decision on the Affordable Care Act.

Visit HealthCare.gov

Visit the New Mexico State Health Exchange Page. Enrollment will start October 1.

NEWS REPORTS

Study Shows ‘Obamacare’ Rates Lower Than Expected, Including Here in New Mexico

New Report Finds Affordable Care Act Lowers Health Premiums by Nearly 20 Percent in the Health Insurance Marketplace

New Report Shows ‘Obamacare’ Saves Consumers $1.2 Billion Nationwide

New Report: Nearly 6 in 10 Uninsured Americans Can Pay Less Than $100 Per Month for Coverage in the Health Insurance Marketplace

Report: For Workers Leaving Their Jobs, ‘Obamacare’ Health Exchanges Offer Insurance Choices Beyond COBRA

The Dramatic Slowdown in Health Costs, Thanks to ‘Obamacare,’ and What It Means for the Economy, Families and the Budget

Significant Choice and Lower Than Expected Premiums Available in the New Health Insurance Marketplace

FACT SHEETS

How the Affordable Care Act is Helping New Mexico

The Affordable Care Act and Women

At Stake: What Repealing the Affordable Care Act Would Mean for Middle Class Families

The Affordable Care Act and African Americans

The Affordable Care Act and Hispanics

Creating Jobs by Addressing Primary Care Workforce Needs

Affordable Care Act Rules on Expanding Access to Preventive Services for Women

Preventive Services Covered Under the Affordable Care Act

State-Level Estimates of Gains in Insurance Coverage Among Young Adults

The Affordable Care Act and Immunization

The Affordable Care Act and the School-Based Health Center Capital Program

How Does the Affordable Care Act Impact Native Americans?

Building Healthier Communities by Investing in Prevention


THE YOUTOONS GET READY FOR ‘OBAMACARE’ — THE KAISER FAMILY FOUNDATION EXPLAINS THE LAW

2014 is coming—are you ready for Obamacare? Join the YouToons as they walk through the basic changes in the way Americans will get health coverage and what it will cost starting in 2014, when major parts of the Affordable Care Act, also known as “Obamacare,” go into effect.

Watch and share the KFF ‘YouToons’ Video.


Learn more about the Affordable Care Act, also called ‘Obamacare’