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Health Insurance Blog - Healthcare.gov

Did your income change? Let the Marketplace know

If your household income has changed, you should let the Marketplace know as soon as possible. Your new income can affect the health coverage or savings you’re eligible for.

Image: {Woman sits at computer and updates application}

Why update your application with income changes?

  • Did your income go down? You could qualify for more savings than you’re getting now. This could lower what you pay in monthly premiums.
  • Did your income go up? You may qualify for less savings than you’re getting now. If you don’t report the change, you might have to pay money back when you file your federal tax return.

How to report income changes

Get more information on reporting income and household changes after you're enrolled.



POSTED JULY 19, 2018
5 benefits Marketplace plans must cover

Did you know that all plans offered in the Marketplace cover the same set of essential health benefits? Essential health benefits are minimum requirements for all Marketplace plans.

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5 covered essential health benefits

Every Marketplace health plan must cover:

  • Ambulatory patient services (outpatient care, or care you get without being admitted to a hospital)
  • Emergency services
  • Hospitalization (like surgery and overnight stays)
  • Prescription drugs
  • Laboratory services

Read the full list of covered essential health benefits.

Additional benefits

  • Plans may offer additional benefits, including vision and dental coverage.
  • To find out if a particular service is covered, call your insurance company.


POSTED JULY 12, 2018
Make a splash this summer with preventive care

This summer, take advantage of the free preventive services available with your Marketplace health plan. These services can prevent health problems or detect them at an early stage when treatment is likely to work best.

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Covered preventive services include:

  • Screenings for things like cancer, depression, blood pressure, cholesterol, and tobacco use
  • Immunizations, like the flu shot and Tetanus vaccine
  • Check-ups
  • Patient counseling for alcohol misuse, tobacco use, and diet

Note: Services are free only when delivered by a doctor or other provider in your plan’s network.

More information on preventive health



POSTED JULY 05, 2018
3 ways to report income & household changes to the Marketplace

If you're enrolled in a Marketplace plan and have changes to your income or household, you should update your application with income and household changes as soon as possible. See the full list of changes you should report.

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Why it’s important to report changes

  • Changes — like higher or lower income, adding or losing household members, or getting offers of other health coverage — may affect the coverage or savings you’re eligible for.
  • Some changes will qualify you for a Special Enrollment Period, allowing you to change your plan.
  • If you don’t update your household or income, you may miss out on additional savings or pay money back when you file your taxes.

How to report changes



POSTED JUNE 28, 2018
Recently lose health coverage? Enroll in Marketplace coverage today

You may qualify for a Special Enrollment Period if you or anyone in your household lost qualifying health coverage in the past 60 days (or expects to lose coverage in the next 60 days). This means you may be able to enroll in Marketplace health insurance for the rest of 2018.

Image: {Woman frustrated over lost health insurance}

Coverage losses that make you eligible

If you lost or will lose coverage from any of these sources, you may be eligible to apply through a Special Enrollment Period:

  • Your job
  • Individual health coverage for a plan or policy you bought yourself
  • COBRA
  • Medicaid or the Children's Health Insurance Program (CHIP)
  • Medicare
  • Coverage through a family member’s plan

Note: If you voluntarily dropped your coverage, you won’t qualify for a Special Enrollment Period.

How to apply with a Special Enrollment Period

Pick a plan and then submit documents to the Marketplace showing the lost coverage and the date it ends. You have 60 days after the date your coverage ended to pick a plan (or 60 days before the date your coverage will end if you’ll lose coverage in the future). You must submit your documents within 30 days of picking a plan.

  • If you’re new to HealthCare.gov, create an account to fill out an application, pick a plan, and submit your documents.
  • If you already have an account, log in to update your existing application, pick a plan, and submit documents.

Get more information on Special Enrollment Periods



POSTED JUNE 21, 2018
Get fast answers to your health insurance questions

For quick answers to your health coverage questions — including managing your health coverage, finding forms and documents, or understanding costs and savings — visit the Get Answers page. You can also get information on completing your enrollment, finding plans and prices, and getting coverage.

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3 common questions answered

Still have questions?

If you didn’t find what you were looking for on the Get Answers page, other help is available.



POSTED JUNE 14, 2018
Having a baby? You can enroll in or change your health coverage

If you or anyone in your household had a baby or adopted a child within the past 60 days, you may qualify for a Special Enrollment Period. This means you may be able to enroll in or change Marketplace health insurance for the rest of 2018.

Image: {Couple cuddles new baby}

How to apply with a Special Enrollment Period

  • If you’re new to HealthCare.gov, create an account to fill out an application for the first time.
  • If you already have an account, log in to update your existing application with your household change.
  • When you enroll in or change plans with a Special Enrollment Period, your new health coverage can start the day your baby is born — even if you enroll in the plan up to 60 days afterward.

More on Special Enrollment Periods



POSTED JUNE 07, 2018
3 ways to stay healthy this summer

This summer, put your health and well-being first. Take advantage of the free preventive services offered by your Marketplace plan and take steps to live a healthy lifestyle.

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3 ways to be proactive with your health

  • Get the preventive services that are right for you. Most health plans cover a set of preventive services — like shots and screening tests — at no cost to you. (Note: These services are free only when delivered by a doctor or other provider in your plan’s network.)
  • Make healthy changes to your eating habits. Swapping soda for water and adding fruits and vegetables to your meals can make a big difference. Visit www.choosemyplate.gov for information on how to eat the right amount of different types of food.
  • Talk to your doctor about being more active. Whether it’s going on a jog, taking your dog for a walk, or working in your garden, there are a lot of ways to incorporate activity into your life on a regular basis. Regular physical activity increases your chances of living a longer, healthier life.

Having health insurance and getting good health care are important, but there’s no substitute for a healthy lifestyle.



POSTED MAY 31, 2018
Moving to a new state? You’ll need a new health plan

When you move to a new state, you can’t keep a health insurance plan from your old state. To make sure you stay covered, report your move to the Marketplace as soon as possible. This way you can enroll in a new plan and avoid paying for coverage you won’t be able to use in your new state.

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How to report a move to a new state

  • When you move to a new state, your coverage options will change. You may no longer be eligible for your current plan.
  • New plans, prices, and savings may be available to you.
  • To get coverage in your new state, you’ll need to start a new Marketplace application or apply through your new state’s website (if your new state runs its own Marketplace).
  • Get screen-by-screen uploading directions, with pictures (PDF), or follow these steps.

Move within the same state?

Learn more about reporting a move to the Marketplace.



POSTED MAY 24, 2018
4 steps to take after your doctor’s appointment

Now that you've found a doctor you trust, there are several steps you can take to maintain your good health.

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4 steps to take after your appointment

  • Follow any instructions, and fill any prescriptions you were given. Health plans will help pay the cost of certain prescription medications. Call your insurance company or visit their website to see what prescriptions are covered and which pharmacies you can use.
  • Schedule a follow-up visit, if you need one. Write down the appointment where you’ll remember it.
  • Review your Explanation of Benefits, and pay your medical bills. After your visit, you may get an Explanation of Benefits in the mail from your insurance company. This is an overview of the total charges for your visit and how much you and your health plan will have to pay. Be sure to pay your bills on time, and keep any paperwork.
  • Contact your doctor or health plan with any questions. If you have concerns between visits, call your doctor’s office. They can help answer questions you have about your health.

Learn more about your next steps after an appointment (PDF).



POSTED MAY 17, 2018

News – Insurance Journal

Study Examines California Worker’s Comp Prescription Drug Outcomes Under New Formulary
A new analysis offers a preliminary look at Utilization Review and Independent Medical Review outcomes involving pharmaceutical requests for California injured workers since the state implemented a workers’ compensation formulary in January. The analysis from the California Workers’ Compensation Institute …

POSTED JULY 20, 2018 8:47 PM
UK Government Officials Identify Security Risks with Huawei’s Telecom Equipment
Technical and supply-chain issues with equipment made by Chinese firm Huawei have exposed Britain’s telecom networks to new security risks, a government report said on Thursday. The assessment, made in a report signed off by Britain’s GCHQ spy agency, will …

POSTED JULY 20, 2018 4:22 PM
Blaze at Chicago-Area Condo Complex Displaces Hundreds
Fire has left homeless hundreds of residents of a suburban Chicago condominium complex. About 150 firefighters from 50 departments near Prospect Heights battled the fire, which Prospect Heights Fire Chief Drew Smith said began about 1:30 p.m. Wednesday and continued …

POSTED JULY 20, 2018 3:46 PM
Baker Appointed Assistant VP at RHSB in Texas
Texas-based independent insurance brokerage firm, RHSB, has added Mike Baker as assistant vice president. He will be a part of the growing Commercial Property & Casualty sales practice. Baker has over a decade of experience assisting commercial clients with their …

POSTED JULY 20, 2018 3:42 PM
Explosion, Fire at Oklahoma Disposal Well Injures 3
Central Oklahoma authorities say three people have been injured in an explosion and fire at a saltwater disposal well. Kingfisher County emergency management officials say the explosion occurred shortly after 3 p.m. Wednesday at a saltwater disposal well south of …

POSTED JULY 20, 2018 3:36 PM
Ohio Chemical Plant Explodes, Catches Fire, Prompts Evacuations
An Ohio chemical manufacturing plant has exploded and caught fire, prompting authorities to evacuate a large area around it. Emerald Performance Materials says it evacuated the plant in Akron and notified the fire department after the Wednesday afternoon explosion. It …

POSTED JULY 20, 2018 3:34 PM
Arkansas Approves Rules with Opioid Prescription Limits
An Arkansas panel has given final approval to regulations that will require doctors who prescribe high doses of opioid pain medication to follow guidelines meant to limit potential abuse, including exploring alternative treatments and limiting prescriptions. The Legislative Council’s Administrative …

POSTED JULY 20, 2018 3:29 PM
Alaska Cannabis Festival Under Investigation for Allowing Pot Consumption
Organizers of an Alaska cannabis festival who allowed adult participants to consume pot in public are facing an investigation and possible fine. The director of the Alaska Alcohol and Marijuana Control Office will recommend a penalty for Alaska Hempfest, a …

POSTED JULY 20, 2018 2:46 PM
$10M Award to Man Hit By Garbage Truck Reinstated by Oregon Court
The Oregon Court of Appeals has ruled that a trial judge shouldn’t have reduced a jury’s award to a man whose leg was severed by a garbage truck in downtown Portland. In reinstating the award, the Appeals Court said the …

POSTED JULY 20, 2018 2:44 PM
Montana Jury Awards $300K in Youth Center Sex Abuse Case
A Montana jury has awarded $300,000 to a mother who claimed a Billings youth treatment center failed to protect her son from being sexually abused by other residents. The Billings Gazette reports the jury awarded the damages Wednesday on claims …

POSTED JULY 20, 2018 2:42 PM

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