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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.
The public health insurance option, also known as the public insurance option or the public option, is a proposal to create a government-run health insurance agency that would compete with other private health insurance companies within the United States. The public option is not the same as publicly funded health care, but was proposed as an alternative health insurance plan offered by the government. The public option was initially proposed for the Patient Protection and Affordable Care Act, but was removed after independent Connecticut senator Joe Lieberman threatened a filibuster.
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.
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.
The Federally Facilitated Marketplace (FFM) is an organized marketplace for health insurance plans operated by the U.S. Department of Health and Human Services (HHS). The FFM opened for enrollments starting October 1, 2013. The Federally Facilitated Marketplace is established in a state by the HHS Secretary for states that chose not to set up their own marketplace or did not get approval for one.
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.
Arkansas Health Connector/Arkansas Private option is the health insurance marketplace, previously known as health insurance exchange, in the U.S. state of Arkansas, created in accordance with the Patient Protection and Affordable Care Act. The marketplace operates a web site and a toll-free resource center.
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.
Access Health CT is the health insurance marketplace for the U.S. state of Connecticut. Access Health CT will enable people and small businesses to purchase health insurance at federally subsidized rates.
Your Health Idaho, sometimes known as the Idaho Health Insurance Exchange, is the health insurance marketplace for the U.S. state of Idaho. The exchange enables people and small businesses to purchase health insurance at federally subsidized rates.
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.
MNsure is the health insurance marketplace for the U.S. state of Minnesota. The exchange enables people and small businesses to purchase health insurance at federally subsidized rates. The current CEO is Libby Caulum.
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.
HealthSource RI is the health insurance marketplace for the U.S. state of Rhode Island. The marketplace enables people and small businesses to purchase health insurance, many at federally subsidized rates. The marketplace's web site also allows people to sign up for Medicaid, a federal and state program that helps with healthcare costs for some people with limited income and resources.
King v. Burwell, 576 U.S. 473 (2015), was a 6–3 decision by the Supreme Court of the United States interpreting provisions of the Patient Protection and Affordable Care Act (ACA). The Court's decision upheld, as consistent with the statute, the outlay of premium tax credits to qualifying persons in all states, both those with exchanges established directly by a state, and those otherwise established by the Department of Health and Human Services.
A private exchange, also known as a private benefits exchange or private health care exchange, is an online store or health insurance marketplace where employees or retirees purchase health insurance and other benefits, typically using funds contributed by their employer.
Pennie is the official health insurance marketplace in the U.S. state of Pennsylvania established under the federal Patient Protection and Affordable Care Act (ACA). The exchange enables eligible individuals to purchase private health insurance coverage at federally subsidized rates. Launched on September 22, 2020, it is administered by the Pennsylvania Health Insurance Exchange Authority, an independent agency of the government of Pennsylvania.
References
- 1 2 Lewis, Nicole (July 12, 2011). "HHS Proposes Health Insurance Exchange Rules". Information Week. Retrieved November 16, 2012.
