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In the United States, annual enrollment is a period of time, usually but not always occurring once per year, when employees of companies and organizations, including the government, may make changes to their elected employee benefit options, such as health insurance. The term also applies to the annual period during which individuals may buy individual health insurance plans through the online, state-based health insurance exchanges established by the Patient Protection and Affordable Care Act. Prior to January 1, 2014 insurers offering individual medical coverage typically allowed new members passing underwriting to enroll at any time throughout the year.
In the United States, health insurance marketplaces, also called health exchanges, are organizations in each state through which people can purchase health insurance. People can purchase health insurance that complies with the Patient Protection and Affordable Care Act at ACA health exchanges, where they can choose from a range of government-regulated and standardized health care plans offered by the insurers participating in the exchange.
Members of the United States population between the ages of 18 and 29 who decide that it is in their financial best interest to forgo health insurance are sometimes referred to as young invincibles by the insurance industry, a term coined to express the idea that the young demographic perceives themselves as immune to sickness and injury. The argument is that these individuals are young and in good health, so they have a low risk of experiencing substantial health issues that would lead to large amounts of spending on health care. Further, this group tends to have a mentality of “it won’t happen to me” with regards to most causes of injury. Together, these beliefs lead to the young invincibles not purchasing insurance.
The Affordable Care Act (ACA), formally known as the Patient Protection and Affordable Care Act (PPACA) and colloquially known as Obamacare, is a landmark U.S. federal statute enacted by the 111th United States Congress and signed into law by President Barack Obama on March 23, 2010. Together with the Health Care and Education Reconciliation Act of 2010 amendment, it represents the U.S. healthcare system's most significant regulatory overhaul and expansion of coverage since the enactment of Medicare and Medicaid in 1965.
Cover Oregon was the health insurance marketplace for the U.S. state of Oregon, established as Oregon's implementation of the Patient Protection and Affordable Care Act. Cover Oregon was intended to enable Oregonians and small businesses to purchase health insurance at federally subsidized rates.
Covered California is the health insurance marketplace in the U.S. state of California established under the federal Patient Protection and Affordable Care Act (ACA). The exchange enables eligible individuals and small businesses to purchase private health insurance coverage at federally subsidized rates. It is administered by an independent agency of the government of California.
Washington Healthplanfinder is one of the fourteen health insurance marketplaces in the United States and was created in accordance with the Patient Protection and Affordable Care Act, commonly referred to as Obamacare.
Connect for Health Colorado is the health insurance marketplace, previously known as health insurance exchange, in the U.S. state of Colorado, created in accordance with the Patient Protection and Affordable Care Act. It is located in Denver. The marketplace operates a toll-free call center and offers 541 health plans from 18 insurance companies.
HealthCare.gov is a health insurance exchange website operated by the United States federal government under the provisions of the Affordable Care Act or ACA, commonly referred to as “Obamacare”, which currently serves the residents of the U.S. states which have opted not to create their own state exchanges. The exchange facilitates the sale of private health insurance plans to residents of the United States and offers subsidies to those who earn between one and four times the federal poverty line, but not to those earning less than the federal poverty line. The website also assists those persons who are eligible to sign up for Medicaid, and has a separate marketplace for small businesses.
kynect, formerly and also called the Kentucky Health Benefit Exchange, is the health insurance marketplace, previously known as health insurance exchange, in the U.S. Commonwealth of Kentucky, created by then-Governor Steve Beshear in accordance with the Patient Protection and Affordable Care Act. Steve Beshear's successor as governor, Matt Bevin, ended Kynect enrollment for individuals as of 2017. From 2017 to 2020, the marketplace operated a web site for small business owners. Bevin's successor, Andy Beshear, announced on June 17, 2020, that Kentucky will reestablish a state health insurance marketplace similar to kynect, with full implementation by January 1, 2022. Kynect was officially relaunched on October 5, 2020, with full implementation expected by January 2022.
The Maryland Health Connection is the health insurance marketplace in the U.S. state of Maryland, created in accordance with the Patient Protection and Affordable Care Act.
Vermont Health Connect is the health insurance marketplace, previously known as health insurance exchange, in the U.S. state of Vermont, created in accordance with the Patient Protection and Affordable Care Act. The marketplace operates a website.
Hawaii Health Connector was the health insurance marketplace, previously known as health insurance exchange, in the U.S. state of Hawaii, created in 2013 in accordance with the Patient Protection and Affordable Care Act. It was located in Honolulu. The marketplace operated a toll-free call center and offered 95 different health plans.
NY State of Health is the health insurance marketplace, previously known as health insurance exchange, in the U.S. state of New York, created in accordance with the Patient Protection and Affordable Care Act. The marketplace operates a website.
Get Covered Illinois is the health insurance marketplace for the U.S. state of Illinois. The exchange enables people and small businesses to purchase health insurance at federally subsidized rates. Since its inception, over 388,179 Illinois consumers have gained health insurance coverage.
New Mexico Health Insurance Exchange, otherwise known as BeWellNM, is the health insurance marketplace for the U.S. state of New Mexico. The exchange enables people and small businesses to purchase health insurance at federally subsidized rates.
DC Health Link is the health insurance marketplace for the District of Columbia, created pursuant to the Patient Protection and Affordable Care Act. DC Health Link is administered by the District's Health Benefit Exchange Authority.
Patient navigators educate and assist United States citizens in enrolling into health benefit plans stipulated in the Patient Protection and Affordable Care Act (ACA). Patient navigators are also called "insurance navigators" or "in-person assisters" who have defined roles under the ACA. Although their roles might overlap, patient navigators are not community health workers or health advocates. "Navigators" work in states with Federally-Facilitated Exchanges (FFEs) or State Partnership Exchanges.
Enhanced Direct Enrollment (EDE) is a provision in the United States that allows certain private entities, including insurance carriers and web-brokers, to directly enroll consumers in Qualified Health Plans through the Health Insurance Marketplace without redirecting consumers to Healthcare.gov. Approved EDE partners may access a suite of APIs which allow them to directly submit and update applications on the federal exchange.
GoHealth is a marketplace for Medicare plans including Medicare Advantage, MediGap and Medicare Part D, which are programs administered through private health insurance companies. It also operates an online health insurance marketplace offering individual health insurance and short-term health insurance.
References
- ↑ Beebe, Mike (October 1, 2013). "Arkansas's health insurance marketplace". Northeast Arkansas Town Crier. Archived from the original on 26 December 2013. Retrieved 25 December 2013.
- ↑ DeMillo, Andrew (December 20, 2013). "Arkansas Lawmakers Approve Insurance Exchange Funds". Arkansas Business News. Retrieved 25 December 2013.
