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Wednesday, December 8, 2021

Open Enrollment for Well being Insurance coverage Begins Immediately

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BATON ROUGE — From the Louisiana Division of Insurance coverage:

Insurance coverage Commissioner Jim Donelon advises Louisiana households that the open enrollment interval for protection via the Well being Insurance coverage Market runs Nov. 1, 2021, via Jan. 15, 2022. Throughout open enrollment people and households who don’t obtain healthcare via their employers can join via the web Well being Insurance coverage Market and buy particular person insurance policies offered by brokers and medical insurance issuers.

The Well being Insurance coverage Market, www.healthcare.gov, was established by the federal authorities as a part of the Inexpensive Care Act and permits shoppers to check medical insurance plans primarily based on key components together with suppliers, protection kind and value.

5 medical insurance issuers are providing particular person market plans for 2022: Blue Cross Blue Protect of Louisiana, Vantage Well being Plans, Inc., UnitedHealthcare Insurance coverage Firm, Christus Well being Plan Louisiana, and Louisiana Healthcare Connections (also called AmBetter). Plan availability might range throughout zip codes. Price filings for plans on the Well being Insurance coverage Market present a statewide common improve in Louisiana of 4.9% within the particular person market and 6.7% within the small group market.

“Significantly whereas we nonetheless climate the Covid-19 pandemic, it’s extra vital than ever for households to have healthcare protection,” mentioned Commissioner Donelon. “Whereas we’re seeing will increase in medical insurance premiums, subsidies are nonetheless obtainable to many who buy their plans via {the marketplace}.”

The Louisiana Division of Insurance coverage (LDI) affords the next ideas for open enrollment:

  • This 12 months’s open enrollment runs Nov. 1, 2021 – Jan. 15, 2022. If you don’t elect protection by Jan. 15, you may be unable to get healthcare protection for 2022 until you qualify for a Particular Enrollment Interval resulting from a life change corresponding to marriage, having a child or dropping different protection. Customers who enroll by midnight Dec. 15 can get full 12 months protection that begins Jan. 1.
  • The American Rescue Plan created in response to the Covid-19 pandemic expanded the provision of economic help for protection via the Market, making monetary help obtainable to extra shoppers and at better ranges. These better subsidies proceed from 2021 into 2022 and can be found to eligible new shoppers and to shoppers returning to the Market to buy 2022. Partly because of the American Rescue Plan, 4 in 5 shoppers will be capable to discover well being care protection for $10 or much less per thirty days.
  • Remember to examine the medical doctors and hospitals in a plan’s community. Verify any plans you’re contemplating for 2022 in your alternative of medical doctors and hospitals. Protection that doesn’t embody the hospital down the road however does cowl the hospital throughout city will not be the fitting match for you. To study extra, go to the Louisiana Division of Insurance coverage’s web site at www.ldi.la.gov/checknetwork.

Extra assets on the LDI web site embody:

  • A searchable database of licensed insurance coverage brokers who can help with the acquisition of medical insurance is accessible at www.ldi.la.gov/findagent.
  • Medical health insurance fundamentals and FAQs are offered within the publication A Shopper’s Information to Well being Insurance coverage obtainable at www.ldi.la.gov/publications.
  • A web-based searchable database of price submitting summaries is accessible at www.ldi.la.gov/healthrates.

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