Is the government still helping pay for coverage?

Yes, you can keep getting subsidies.

When can I sign up?

In most states, from Nov. 1 to Dec. 15.

Where can I sign up?

VisitHealthcare.gov.

Will my insurance be more expensive?

If you get premium subsidies, probably not.

If I already buy my own insurance, can I just renew?

Yes, but you should really shop around this year.

President Trumpcontinues to scale backthe Affordable Care Act, dealingtwin blowsto the law this week. But you can still sign up for coverage for 2018 because the Affordable Care Act is still the law of the land. Here’s some guidance:

1. Is the government still helping pay for coverage?

Yes, you can keep getting subsidies.

On Thursday, President Trump said he wouldstop paying critical subsidiesto health insurers that help reduce out-of-pocket medical costs for low-income consumers.

If you are eligible for these discounts, you will still get them because insurers are required by law to offer them. The cut ultimately hurts insurers, and the impact will be felt in other ways as insurers raise premiums or decide to exit the market.

The tax credits that help middle-income consumers by reducing the cost of premiums remain in place because theSupreme Court ruledin 2015 that the federal government must provide them.

2. When can I sign up?

In most states, from Nov. 1 to Dec. 15.

The Trump administrationshortened the window to sign up for coverage. In 42 states, the open enrollment period this yearstarts Nov. 1andendsDec. 15.

You have a little more time ineight states and Washington, D.C.,which operate their own marketplaces. Open enrollment still begins Nov. 1, but the deadlines have been extended.

StateStartsEnds
ConnecticutNov. 1Dec. 22
Rhode IslandNov. 1Dec. 31
ColoradoNov. 1Jan. 12
MinnesotaNov. 1Jan. 14
Washington StateNov. 1Jan. 15
MassachusettsNov. 1Jan. 23
CaliforniaNov. 1Jan. 31
Washington, D.C.Nov. 1Jan. 31
New YorkNov. 1Jan. 31

Those who qualify for Medicaid can sign up all year long. And if you live in a state thatexpanded Medicaid, those eligibility rules remain unchanged. Republican leaders have tried to repeal the expansion but they have not been successful.

3. Where can I sign up?

The Trump administration has made some changes that will make it more difficult to enroll in coverage. For example, you will most likely seeless advertising and promotionbecause outreach funding has been substantially reduced. There may also be fewer people who can help with enrolling because the administration slashed that budget as well.

Despite the administration’s efforts, however, the Affordable Care Act has withstood repeated congressional opposition. The Housepassed a billto repeal the health law in May, but multiple efforts by Senate Republicanshave collapsed.

This means that you may still sign up for coverage in the marketplaces if you do not already have insurance through work or the federal government. Just visitHealthcare.gov.

4. Will my insurance be more expensive?

If you get premium subsidies, probably not.

Some insurers areraising premiumsby more than 50 percent for 2018, largely because of uncertainty about the future of the Affordable Care Act.

Despite these increases, however, consumers who qualify for federal subsidies — about 85 percent of the roughly 10 million people who buy insurance through the marketplaces — will largely be shielded from the higher prices.

Those who earn too much to qualify for financial assistance will feel the brunt of any increases.

5. If I already buy my own insurance, can I just renew?

Yes, but you should really shop around this year.

Insurers have raised prices in different ways, so it is important to shop around for the best plan this year, especially if you do not qualify for government subsidies.

Many insurers haveraised prices most sharplyfor the “silver” plans, which are popular among people who get generous subsidies from the federal government. So those who do not get subsidies may have to look for plans not affected by these increases or look outside of the Affordable Care Act marketplaces for lower-priced options.

In some places, the “gold” plan, which is typically more expensive, might be less expensive because of the steep price increases on silver plans.

 

Read More: //www.nytimes.com/interactive/2017/10/14/us/affordable-care-act-enrollment.html

 

 

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