If you are a woman and need coverage, you can use the marketplace, or Health Insurance Exchange. The marketplaces, or exchanges, go online in just twenty days from today, on October 1, 2013, with coverage beginning on January 1, 2014.
Starting January 1, 2014, if you already have health insurance coverage, you gain new protections. If you don’t have coverage, you can buy insurance in the marketplace.
Whether you’re uninsured, you’ve been denied coverage in the past, or you just want to explore new options, the Health Insurance Marketplace will give you more choice and control over your health coverage. The Marketplace will operate in all states, including here in New Mexico, so no matter where you live you’ll have access to coverage—with more choices, and lower costs—than ever before.
- New Coverage Options: In the Marketplace, insurance companies won’t be able to deny coverage to women due to pre-existing conditions, like cancer or being pregnant.
- Choose your doctor: In the Marketplace, you can choose from any primary care provider, OB-GYN, or pediatrician in your health plan’s network without a referral.
- Save money: You may qualify for lower costs on your monthly premiums or out-of-pocket costs for private insurance.
- Women can’t be charged more for health coverage than men. The Marketplace will also let you know if you qualify for coverage under Medicaid or the Children’s Health Insurance Program (CHIP).
- Get more preventive care, for less: Many insurance companies are now required to cover preventive care for free. This includes 22 covered preventive benefits for women like mammograms, well-woman visits, contraception, and more.
4 Things to Know for Pregnant Women
- Starting in 2014, health plans can’t refuse you coverage or charge you more because you’re pregnant.
- Health plans must also cover free preventive care like gestational diabetes screening and breastfeeding support for women and well-baby visits and vaccines for children.
- Essential health benefits such as pregnancy and newborn care, along with vision and dental care for children, will be covered.
- Visit InsureKidsNow.gov to learn more about coverage for pregnant women through Medicaid and the Children’s Health Insurance Program (CHIP).
Get the latest information: Visit the HealthCare.gov Individuals & Families page and sign up for email updates.
Obamacare means affordable coverage and the security of knowing you’ll be taken care of if you or a family member falls ill or has an accident. It’s what millions of insured Americans are already experiencing thanks to the law. And it’s what more than 30 million additional Americans will finally have the opportunity to sign up for when the new health insurance marketplace opens on October 1st.
Despite the successes we’re already seeing, opponents are still working to roll back the law. Now, just 20 days before the uninsured gain access to the new marketplace, these opponents are trying to chip away at one of the most important pillars of that affordability and security: financial assistance for middle class families.
That’s right. Thanks to Obamacare, help is available to make the cost of coverage affordable for millions of middle class families—as well as those working to get into the middle class.
How does it work? If you’re purchasing individual insurance and you earn less than $45,000 per year, you could be eligible for financial assistance to help you pay for health insurance. A family of four that earns less than $94,000 would also be eligible. And that also applies to people who currently buy their own health insurance—nearly half of them will be eligible as well.
On average, folks who receive financial assistance are expected to save $2,700 a year. For many people, that’s the difference between being able to afford health insurance or not.
But today, some members of the U.S. House of Representatives are looking to delay this important provision of the law, which would keep affordable health care out of reach for millions. As has been done many times in the past, they are doing it by spreading misinformation and confusion, using over-blown accusations that misrepresent the law itself.
Obamacare provides much-needed security for the middle class, and opponents are putting that at risk. It’s up to us to spread the word.