Open Enrollment runs from November 1st till December 15th.
Every health insurance option in the Marketplace will offer comprehensive coverage, from doctors to medications to hospital visits. You can compare all your insurance options based on:
When you shop at the Marketplace, coverage information will be laid out for you. All your costs are stated up front, so you’ll get a clear picture of what you pay and what coverage you receive before you make a choice. Health insurance companies can't refuse to cover you or charge you more just because you have a chronic or pre-existing condition, and they can’t charge more for women than for men.
Your Household income is for the current year, you must include all family members as household size and the AGI of the household to the best of your ability to estimate. Any discrepancies will be adjusted in the following tax year with a refund or payment if you deviate from your actual earnings.
Coverage falls into three categories
The category you choose affects how much your premium costs each month and what portion of the bill you pay for things like hospital visits or prescription medications. It also affects your out-of-pocket costs —the total amount you’ll spend for the year if you need care. The categories are
The Marketplace also offers "catastrophic" policies to people under 30 years old and to some people with very low incomes.
As with all health coverage, you will still have to pay a monthly premium.
The policy will pay more of the costs if you need a lot of medical care.
In general, when choosing your health coverage, keep this in mind: