Resource CenterInsuranceLatest NewsACA Open Enrollment-Nov 15 - Dec 15

1.1. ACA Open Enrollment-Nov 15 - Dec 15

ACA open Enrollment

Now is the time to take a closer look your health care needs and options. (Please view the attached PDF for details)

If you're uninsured or looking for more affordable health insurance and haven't looked at the Marketplace, open enrollment is the time to look. During "open enrollment" you can purchase private health insurance coverage through the marketplace in each state. Low and moderate income people may be eligible for help to pay for the health insurance coverage. People who have affordable employer provided health insurance or are already covered by Medicaid or Medicare cannot receive financial help paying for private health insurance coverage. People who lose their health insurance may also be able to sign up for new coverage during a special enrollment period.


2015 Open Enrollment

November 15, 2014

open enrollment begins

December 15, 2014

Enroll before this date to have coverage January 1, 2015

February 15, 2015

open enrollment ends

"United Spinal is working with the White House to help get the message out on the Affordable Care Act (ACA) and the upcoming open enrollment period, November 15, 2014 through February 15, 2015.  The enrollment window this year is half the time of last year's enrollment so be sure to take a look at your options for health insurance coverage in plenty of time before open enrollment ends.  To make sure you have coverage starting January 1, 2015, you must enroll by December 15, 2014."


"There are lots of ways the ACA has been great for the SCI community, the number one reason is that there is no discrimination of coverage due to a pre-existing condition. Also, health plans can no longer limit or deny benefits to children under 19 due to a pre-existing condition. View latest information on pre-existing condition insurance plans. Other benefits of the Affordable Care Act include the following: individuals under age 26 may be eligible to be covered under their parent's health plan; ends lifetime limits on coverage on most benefits and it changes  Medicare prescription drug coverage toreduce the out-of pocket cost impacts of the "doughnut hole" coverage gapMedicare will gradually phase in additional subsidies in the coverage gap for brand-name drugs (2013) and generic drugs (2011), reducing the beneficiary payment in the gap from 100 percent to 25 percent by 2020. Between 2014 and 2019, the law reduces the out-of-pocket amount that qualifies an enrollee for catastrophic coverage, further reducing out-of-pocket costs for those with relatively high prescription drug expenses."


"Why should you take notice? Your access to wheelchairs and related medical equipment, assistive technologies, prescription drugs and medical supplies is still at risk. Pay close attention to how many rehab therapy visits and what type of specialists are available under each plan and what medical equipment and medical supplies are available as well as which of your medications are on your plan's drug list, which is called a drug formulary."


"Over 7 million Americans have now enrolled in the healthcare marketplaces across the country and approximately 8 million people have enrolled in Medicaid and the Children's Health Insurance Program since last Fall and the number of uninsured Americans has been reduced by 26%.  However, according to President Obama, 9 out of 10 people still don't know about open enrollment and United Spinal wants to help reduce the percentage of Americans who are uninsured as much as we can." - Enroll Now - Your rights and protections


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