There are currently eighteen fully approved state marketplaces that operate their own health insurance. They are:
The California Health Insurance Marketplace is a platform for health insurance and insurance calculations. CoveredCA.com is a partnership between Covered California and the California Department of Health Care Services (DHCS). Cost sharing subsidies will help to reduce out-of-pocket payments, such as co-payments. Information on the offered subsidies can be found at https://www.coveredca.com/individuals-and-families/.
The site provides help to those who are sick or hurt. CoveredCA cannot be canceled or denied because of a pre-existing medical condition. Residents of California can use the tools at the website in order to compare prices of insurance plans.
A sliding scale based on personal information will determine the financial assistance available based on your income. Those people with a lower income will receive more aid. You could be eligible no-pay Medi-Cal, low cost monthly premium aid, or Cost sharing subsidies.
Connect for Health Colorado helps residents of Colorado get health care and access to help concerning health care. There are 150 plans offered by ten different health carriers from which to pick. The insurance carriers are:
- Access Health Colorado
- Anthem Blue Cross and Blue Shield / HMO Colorado
- Colorado Choice Health Plans
- Colorado HealthOP
- Denver Health Medical Plan
- Kaiser Permanente
- Rocky Mountain Health Plans
- United Healthcare
Access Health CT gives health care to people who can’t afford it. Connecticut residents having difficulty paying for insurance premiums there are help. The exchange is funded through the federal government. The site is at https://www.accesshealthct.com/AHCT/LandingPageCTHIX, and the window for enrollment for 2015 opened on November 15, 2014.
District of Columbia– http://healthreform.dc.gov/DC/Health+Reform
DC Health Link, the DC Marketplace has 30 different insurance plans to select from. The online calculator for eligibility can be found at https://dchealthlink.com/calculator. DC Marketplace can provide:
- Doctor visits
- Emergency room visits
- Chronic disease management
- Substance use management
- Mental health care
- Dental care for children
- Health care for children
- Maternity and newborn care
- Lab tests
- Preventive services
Hawaii Medical Service Association and Kaiser Permanente Hawaii are the two plans offered and they provide 95 different insurance options. Anyone who wishes to apply for insurance in Hawaii must first be screened to see if they qualify for Medicaid (called Kolea).
The Idaho Marketplace says it can offer through Blue Cross of Idaho, Pacific Source Health Plans, Regence, Select Health, and Bridge Span these services at their site:
- Tax credits
- Cost sharing subsidies
- Insurance definitions
- Plan consultations
- Enrollment assistance
- Essential benefits
Kynect has the standard Bronze, Silver, Gold, and Platinum options. Marketplace insurance companies can vary in cost depending on your age, where you live in the state, and your tobacco use. It cannot charge you more because of your existing health condition or because of gender. However, Kentucky will charge you 40% more if you use tobacco products.
In Maryland, insurance companies are Evergreen, Carefirst, United Healthcare, and Kaiser Permanente. Kaiser Permanente and Evergreen are only available at some of the Maryland counties. The site states:
- If you earn less than $ 46,000.00 a year you can apply for assistance and enroll in a qualified health program.
- If you earn more than $ 46,000.00 a year you can enroll online with the insurance carriers listed at the site.
- If you earn less than $ 16,000.00 a year you can fill out an application online or via phone and confirm your eligibility for assistance.
The listed insurance companies at the site are Evergreen, Carefirst, United Healthcare, and Kaiser Permanente. Kaiser Permanente and Evergreen are only available at some of the Maryland counties.
Massachusetts Connector companies are Ambetter, Blue Cross Blue Shield of Massachusetts, Boston Medical Center Health Net Plan, Fallon Community Health Plan, Harvard Pilgrim health Care, and Health New England.
You can now apply in Massachusetts for dental coverage by Altus Dental, Blue Cross Blue Shield Of Massachusetts Dental Blue, Delta Dental, Guardian Dental, or MetLife.
MNSure insurance providers are:
- Blue Cross Blue Shield of Minnesota
- Delta Dental
The current Mississippi One site is for employers who wish to shop around for plans for their company and business. The site also provides comprehensive details for employees concerning offerings, rules, and benefits.
Nevada has a one-stop shopping site which is quite user friendly. The website is connected to the Nevada Medicaid .You can register at the site, call the Nevada Health Link toll-free number, work with a licensed navigator, or get help from an enrollment assister. A licensed Nevada navigator can be found at http://info.nevadahealthlink.com/glossary/navigator/ and a Nevada assister can be found at http://info.nevadahealthlink.com/glossary/enrollment-assister/.
New Mexico– http://www.nmhix.com/
The New Mexico site is relatively new and still being constructed. It will initially have a hybrid exchange where the NMHIX operates the small business SHOP platform and the federal technology platform is used for individual markets.
New York– http://healthbenefitexchange.ny.gov/
The New York site gives some calculations for determining your benefits. If your annual income is between 100 and 400 percent of the federal poverty line (FPL), there will be a lower cap for out of pocket expenses. Some FPL scenarios are:
- 100-200% FPL: one-third of the HSA limits ($1,983/individual and $3,967/family);
- 200-300% FPL:one-half of the HSA limits ($2,975/individual and $5,950/family);
- 300-400% FPL: two-thirds of the HSA limits ($3,987/individual and $7,973/family).
Cover Oregon participating companies are Atrio Health Plans, Health Net, Health Republic, Kaiser Permanente, Live Wise, Moda, Oregon’s health CO-OP, Pacific Source, Providence Health Plan, and Trillium. Businesses and individuals in Oregon can get aid for their coverage such as no-cost plans by Oregon Health Plan (OHP), APTC, or Healthy Kids.
Rhode Island– http://www.healthsourceri.com/
Rhode Island offers two programs for families with children and pregnant women.
Rhode Island’s existing Medicaid health is called Rite Care. If eligible for Rite Care, you will enroll in a participating plan. The plans are the Neighborhood Health Plan of RI or UnitedHealth Care Community Plan of New England. Rite Share is a Premium Assistance Program giving aid through an employer’s insurance plan. Rhode Island will remit all or a piece of the family’s share of the expense for the employer insurance coverage.
The Utah site is also new. It currently provides help to small businessmen and link to federal sites for individuals.
Vermont – https://portal.healthconnect.vermont.gov/VTHBELand/welcome.action
Dr. Dynasaur is a Vermont public funded health program for kids under 18. It was founded in 1989. The Dr. Dynasaur link is http://www.greenmountaincare.org/vermont-health-insurance-plans/dr-dynasaur. Catamount is a Blue Cross Blue Shield low cost health program. The Catamount link is http://www.bcbsvt.com/catamount.
Washington – http://www.wahealthplanfinder.org/
The Washington providers are Washington Apple Health, Delta Dental, Kaiser Permanente, LifeWise, Community Health Plan, CoordinatedCare, Dental Health Services, Kaiser Permanente, Molina Health Care, and Bridge Span.