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The City of New Orleans

Mayor Mitchell J. Landrieu

The Health Insurance Marketplace

The Health Insurance Marketplace

The Health Insurance Marketplace is a tool to help you find insurance that is right for you at an affordable price. The Marketplace is part of the Affordable Care Act (ACA), sometimes called "Obamacare." It helps uninsured and under-insured individuals and families find all the information they need about available health plans in one place. Most people who use the Marketplace will also qualify for tax credits, which work like discounts to lower the cost of the health plan they purchase.

 

IMPORTANT:  The enrollment deadline for the health insurance through the Health Insurance Marketplace was Monday, March 31st 2014.  However, if you tried to enroll on or before March 31st, but we’re not able to complete your application or enrollment, you should still be able to finish. Call the Marketplace Call Center at 1-800-318-2596 as soon as possible to receive a special enrollment period, or visit your local community health center for in-person assistance. 

 

Next Open Enrollment Period:

The next open enrollment period for the Health Insurance Marketplace will be November 15th, 2014 – February 15th, 2015. At that time, you can sign-up or change your plan. You may also qualify to enroll mid-year if you have a “qualifying life event,” which includes getting married, having a baby, moving to a new area, losing your health coverage, or having a change in income.

 

Visit the Marketplace Fact Sheet for more info.

For a clear explanation of what the marketplace provides and how it works see the Healthcare.gov video below:


What to Expect

  • Most people will interact with the Marketplace online through its website, www.healthcare.gov.
  • The Marketplace will display a range of health insurance plans in your area and allow you to pick a plan based on how much coverage you want and how much you want to pay for it.
  • All plans will have to cover check-ups, hospital care, and prescription drugs, as well as labs, maternity care, mental health care, pediatric care, rehabilitative services and vision and dental care for children.
  • If you enter some information about yourself, such as how many people are in your family and your household income, the Marketplace will also determine whether you're eligible for a tax credit to help you pay for the plan you choose. To see how large a credit you may qualify for, see the Kaiser Family Foundation Subsidy Calculator.

Lower Costs

  • Once the Marketplace determines your credit, you can apply that credit to the plan of your choice. The credit will lower your monthly premiums and in some cases may even reduce them to $0.
  • Lower-income people will receive larger credits and higher income people will receive smaller credits. If you don't qualify for a credit, you may still qualify for free or low-cost primary and mental health care through the Greater New Orleans Community Health Connection.

How to Enroll

  • Open enrollment in Marketplace plans begins on again on November 15, 2014 and closes on February 15, 2014.
  • Fill out an online application at www.healthcare.gov. For those without internet access, visit your local community health center, library, or Medicaid office. You can also call a 24-hour hotline at 1-800-318-2596.
  • For face-to-face assistance, contact your local community health center, or the Health Department's Marketplace specialists at: msciardullo@nola.gov or ayaspan@nola.gov.
  • Remember that most people who do not find health insurance for 2014 will have to pay a fee on their taxes. The fee will be 1% of your income (ex: someone making $25,000/year would owe $250). There are some exceptions for low-income people, Native Americans and others.

For More Information

 

 

 
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Last updated: 10/1/2014 2:15:19 PM

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