Congressman Hank Johnson

Representing the 4th District of Georgia

Healhcare.gov Open enrollment

Health Care

#GetCovered for 2020

The Top 5 Things to Know about Open Enrollment:

 

  1. When: November 1, 2019 - December 15, 2019 (some states may extend their deadlines, but in order to have coverage that begins January 1, you must enroll by December 15).

 

  1. Where: HealthCare.Gov Always start with HealthCare.Gov. If your state uses their own website, HealthCare.Gov will guide you there. HealthCare.Gov or your state-based marketplace can only sell ACA plans, so you can rest easy knowing you’re getting a comprehensive plan that will be there for you when you need it.

 

  1. What: Comprehensive coverage at an affordable price. HealthCare.Gov plans must include key benefits like mental health care, maternity care, prescription drug coverage and hospitalization services. In addition to good coverage, most marketplace shoppers will qualify for a discount based on their income. Last year, more than 8 in 10 shoppers could get a plan for less than $100/month.  

 

  1. Why: Peace of mind. Financial security. Access to comprehensive care. There are so many reasons to sign up for affordable, comprehensive coverage, join the millions who have gained health insurance thanks to the ACA!  

 

  1. How: Enroll online, over the phone, or in-person. Log on to the official ACA marketplace at HealthCare.Gov, or CuidadodeSalud.Gov, call the marketplace call center at 1-800-318-2596, or make an appointment for in-person assistance through the Get Covered Connector

 

Tax Credits and Affordability:

The ACA marketplace is designed to help consumers who don’t have health insurance through their employer or through a government program like Medicaid or Medicare afford individual coverage. To make sure coverage is affordable, most low to middle income shoppers will qualify for a discount based on their income to lower the cost of their plan. Last year, 85 percent of enrollees received a tax credit to lower their monthly premiums. And, 4.5 million Americans qualified for a $0 bronze plan - that means they could get a plan with no monthly premium! 

 

If your annual income falls between 100 percent and 400 percent of the federal poverty line (FPL), you could qualify for a tax credit. And, if your income is less than 250 percent FPL, you could qualify for additional discounts that lower your out of pocket costs, like your deductible. Check out the chart below to see if you qualify: 

 

Dispelling Myths:

There’s a lot of confusion among both the remaining uninsured and current marketplace consumers about what exactly has changed, what hasn’t, and what are the best options for enrolling in coverage. We’re busting some of the most common myths about the ACA - check them out below. 

 

Myth #1: Financial help to lower premiums and out-of-pocket costs is no longer available.  FALSE. Financial assistance is still available for low and middle-income consumers to help lower the cost of their plan. In fact, more than 8 out of 10 consumers last year qualified for a tax credit. 

 

Myth #2: The marketplace is not stable and premiums are skyrocketing. FALSE. In fact, premium price increases for 2020 are expected to be much lower than previous years (projected at .1% nationally), and some states will even see price decreases. Increased insurer participation also indicates that the marketplace is stabilizing.

 

Myth #3: I am no longer protected from discrimination for having a pre-existing condition. FALSE. All of the consumer protections created by the ACA are still intact, and all plans sold by HealthCare.Gov must provide comprehensive coverage, and cannot charge a consumer more because of their health status or medical history. Plans outside the ACA marketplace don’t have to offer the same protections, so always make sure to use HealthCare.Gov when enrolling in coverage. 

 

FPL Chart for Calculating Tax Credits for 2020 Plan Year:

Household Size

100% FPL

138% FPL

250% FPL

400% FPL 

1

$12,490

$17,236

$31,225

$49,960

2

$16,910

$23,336

$42,275

$67,640

3

$21,330

$29,435

$53,325

$85,320

4

$25,750

$35,535

$64,375

$103,000

Source: http://www.healthreformbeyondthebasics.org/wp-content/uploads/2019/10/REFERENCE-GUIDE_Yearly-Guideline-and-Thresholds_CoverageYear2020.pdf

 


If you know anyone who is uninsured or perhaps feels under-insured, you can get free, in-person, unbiased help enrolling into an affordable healthcare plan that fits your needs and budget by clicking on the "Get Covered" button above and schedule an appointment today.

Don’t miss out on this important opportunity to get covered. Take a moment to review your options and find a plan that’s right for you.

If you do not have access to a computer or the Internet, consumers can call a toll free number: 1-800-318-2596 and for TTY/TDD: 1-800-889-4325.

Learn how the rights, benefits, and choices provided by the Affordable Care Act affect you – and the community you live in.

https://www.healthcare.gov/

For more information about the healthcare marketplace, known as the exchanges, click the icon or click HERE

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Issues: 

Office Locations

Recent Votes

Date Roll Call Bill Vote
12/12/2019 682 H.R.3 Yea
12/12/2019 681 H.R.3 Nay
12/12/2019 680 H.R.3 Aye
12/12/2019 679 H.R.3 Aye
12/12/2019 678 H.R.3 Aye