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Using the New Health Insurance Marketplace

widgetDayton Metro Library is working with local navigators and certified application counselors who are designated to help people understand and enroll in the new Health Insurance Marketplace set up through the Affordable Care Act, known by some as Obamacare.

The Marketplace, located at www.HealthCare.Gov, was set up to make buying health coverage easier and more affordable. Through the Marketplace people can compare private health insurance plans, choose the best plan to meet their needs, and learn about eligibility for tax credits and cost savings which can significantly reduce the cost of insurance. The amount of savings depends on family income. 

Although Enrollment in the Marketplace is open though March 31, 2014 To avoid a penalty for 2014, everyone needs to have some form of health insurance by March 31, either through an employer, Medicare, Medicaid, Tricare, the V.A., the Marketplace, or some other approved health insurance plan.

Using the New Health Insurance Marketplace will be presented at the Dayton Metro Library through March 31 by Helping Hands Comcare and by Samaritan Homeless Clinic. 

Using the New Health Insurance Marketplace

With Navigators from Helping Hands Comcare
Please register by calling Helping Hands at 937-268-2048.

To determine cost savings and enroll in the Marketplace, please bring:

  • Social Security numbers (or document numbers for legal immigrants);
  • birth dates of self and family/household members
  • income information (such as pay stubs, W-2 forms or "Wage and Tax Statements)
  • policy numbers for any current health insurance
  • information about any health insurance they or their family could get from their jobs

In addition to the programs through the library, information and enrollment assistance is available at:

www.HealthCare.Gov and
Marketplace Call Center at 1-800-318-2596
(TTY 1-855-889-4325)
and through local assisters.

Local in-person assistance is available through:

  • Helping Hands Community Outreach Center: 937-268-2048
  • Community Health Centers: 937-586-9733 ext 1034 or 1035
  • Public Health - Dayton & Montgomery County: 937-225-4505
  • Samaritan Homeless Clinic: 937- 461-1376

Marketplace or Expanded Medicaid?

The uninsured have two new options for health insurance coverage in Ohio now– the Health Insurance Marketplace or Expanded Medicaid.

Who is newly eligible for Medicaid coverage?

Beginning January 1, 2014, additional Ohio residents will become eligible for Medicaid coverage. This group includes adults between the ages of 19 to 64, who are under 138%* FPL and are not eligible under another category of Medicaid, as well as parents from 91-138% FPL. In addition, the new rules discontinue use of assets tests in determining Medicaid eligibility.

Family income determine which option to use:

In general, if income falls between 138% and 400% of the FPL (Federal Poverty Level), you qualify to save money on insurance premiums through the Health Insurance Marketplace at www.HealthCare.Gov   The lower the income within these ranges, the more saved. (The amounts below are based on 2013 numbers and are likely to be slightly higher in 2014.)

  • $15,856 to $45,960 for individuals
  • $21,404 to $62,040 for a family of 2
  • $26,952 to $78,120 for a family of 3
  • $32,499 to $94,200 for a family of 4
  • $38,047 to $110,280 for a family of 5
  • $43,594 to $126,360 for a family of 6
  • $49.142 to $142,440 for a family of 7
  • $54,689 to $158,520 for a family of 8

If income falls below the lower amount shown (138% of FPL), you will probably qualify for Ohio's newly expanded Medicaid. Go to  http://www.benefits.ohio.gov/  to learn more and enroll or call the Ohio Medicaid Hotline at 800-324-8680. To complete an application with the help of a caseworker, go to Montgomery County Jobs & Family Services at 1111 Edwin C. Moses Suite 281 in the Job Mall, 8:00 a.m. to 4:00 p.m., Monday to Friday.

 http://medicaid.ohio.gov/FOROHIOANS/GetCoverage/WhoQualifies/ExtensionFAQ.aspx

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