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Brokers and insurers can sell their traditional products, but they may also sell some plans available on the marketplaces that offer subsidies for customers.
Most of these patients have multiple chronic illnesses and all too often they wind up in emergency rooms because they have enormous difficulty navigating the increasingly fragmented, complicated and inflexible health-care system.
Since Gov. Pat McCrory has proposed privatizing Medicaid, managed care companies from out of state have been increasing their presence in North Carolina.
The health law expands coverage for preventive services, but it only applies to those who have insurance policies.
Even the same plan can carry dramatically different price tags in different areas
Many will find better coverage with smaller monthly premiums on the exchanges set up under the Affordable Care Act, insurance specialists say. But some low-income part-timers are finding they don’t qualify for federal health insurance subsidies.
Consumers should start now thinking about their options and should weigh the total costs, not just premiums, as well as the network of doctors and hospitals associated with each plan.
Insurance companies confirm a small number of successful signups through the federal website.
Health Insurance brokers, once worried the health law would put them out of business, are now planning on flexing their expertise muscles to help guide people through the process of buying and getting the most out of their coverage.
Brad Stevens, 54, learned the hard way that being uninsured was risky as accidents and illness took a toll. Soon, he’ll qualify for California’s expanded Medicaid program.
The health law provides new marketplaces for employers with 50 or fewer full time workers, designed to offer more affordable insurance to mom-and-pop businesses that have long had to pay more than large companies.
Pardit Pri, 29, is among the 5 million uninsured people in California. Insurance would give her peace of mind, but she worries whether she can afford it.
The federal health insurance marketplace continued to frustrate consumers Wednesday with delays and software failures, but some people also reported progress.
Many people encountered obstacles when trying to sign on to the online insurance marketplaces Tuesday; others are holding out for later.
