You will have to decide whether to renew your current plan if you bought a health insurance plan through the Marketplace in 2014, or change your plan in 2015. Whatever the case may be you will need to enroll yourself in the health plan to stay covered. Following are the things you need to consider in order to remain so under the Affordable Care Act/ObamaCare:
Keep the deadline in mind
The first and foremost thing that you need to do in order to stay covered in 2015 is to keep the deadline day in mind. The open enrollment period under the Affordable Care Act runs from 15th November until February 15th, which if missed, may result in a lot of unnecessary hassle for you.
Review your Plan
Changes can be made each year by insurance companies to premiums, cost-sharing, or the benefits and services they provide. Thus it is important for you to make sure that your plan’s coverage for 2015 meets your needs. Review it to ensure this.
You can update yourself by visiting the healthcare website of the Affordable Care Act and logging into your account. In order to get to your 2015 application, you will need to answer a few questions. The application will be pre filled with your latest information from 2014.You can make changes by going through every page of your application. You might be eligible for a lower fee even if your information hasn’t changed which is what makes this task so important.
Compare Your Plans
It is important to compare plans before you decide on renewing your current plan or getting a new one. You can compare 2015 plan costs and benefits by visiting the healthcare website and logging onto your account. It is possible that more affordable plans may be available in your area this year.
While comparing plans you need to find out if more affordable options are available this year compared to the last one. You need to decide if you’re happy with changes in your current plan, make sure the plans include your doctor, make sure your prescriptions are covered and determine the overall benefits and the costs of the plan.
Making a Choice
The next phase involves choosing a healthcare plan under the Affordable Care Act/ObamaCare. You can either renew your current plan if it’s still being offered or you can choose a new one that meets your needs better. Whatever the case may be you need to enroll yourself to stay covered.
Regardless of the kind of coverage you had in 2014, you can choose any plan available. All plans include all benefits and protections required by the health care law.
It is important that you enroll for healthcare coverage under ObamaCare in 2015 to stay covered. You can contact them to confirm your enrollment while making sure that you pay your premium.
If you want to change your plans, you can do it in the open enrollment which runs until February 15th 2015.