Changes to open enrollment for health insurance

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In this photo, people try to purchase health insurance under the Affordable Care Act at the kiosk setup at the Mall of Americas on in Miami, Florida, Jan. 15, 2014. Four Triangle counties - Wake, Johnston, Chatham and Orange - have four such plans sold by Cigna and by Blue Cross and Blue Shield. He said he'd paid $825 a month for a Kaiser Permanente marketplace plan, but the premium jumped to $1,084 and will now cost $1,397 next year. The total annual cost of this policy: $1,388.72.

Rising premium subsidies also can make "gold" plans more affordable. Tech-savvy newcomer Oscar Health has four different TV commercials running in six states including Texas and OH that espouse "easy health insurance" with video shots of patients text-messaging with Oscar.

The enrollment period began November 1, with more than 200,000 Americans buying health coverage that day - more than double the number who signed up on the first day of enrollment past year, The Hill reported Tuesday.

And there may be cheaper plans with the same coverage outside the marketplace.

That is why I have fought so hard to protect health care coverage for Granite Staters as some of my colleagues attempted to pass Trumpcare legislation that would have stripped coverage away and led to higher health care costs for worse care.

It's time to pick your health care plan for 2018. The customer's share of medical bills are called out-of-pocket costs and include the deductible, co-insurance and co-payments.

While a lot of consumers are confused about the status of the Affordable Care Act, the news coverage has raised awareness of open enrollment, Ratner said. Go to healthcare.gov to enroll in a health insurance policy through the marketplace.

Once 26 is reached, there is a special enrollment period.

We've touched on this phenomenon in The Health 202, but let's dig a little deeper since the issue affects the 22 million people who buy plans on their own without the help of an employer. The Affordable Care Act required insurance companies to cover young adults up to the age of 26 on any plans that started on or after September 23, 2010. This subsidy is available to individuals with household incomes from $15,060 to $37,650, and to a family of four with a household income from $30,750 to $76,875. But they can only claim those subsidies through the exchanges. Yes, based on a household's income and size, subsidies are provided by the federal government to help pay for premiums. Premiums are 13 percent lower in counties with the most brokers. For instance, a 48-year-old consumer earning roughly $30,000 can find a zero-premium bronze policy in nearly 1,050 counties next year, up from 132 counties in 2017, according to an analysis by Oliver Wyman consulting group.

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