Disability, General

Act Now! Open Enrollment for Affordable Healthcare

November 14, 2016 • By

Reading Time: 2 Minutes

Last Updated: August 19, 2021

act-now-open-enrollAffordable healthcare is something that all Americans deserve. Before the Affordable Care Act (ACA), millions of people and their families were at risk of financial ruin because they were uninsured. Health insurance companies could also deny health insurance coverage due to a preexisting condition like cancer or diabetes. Fortunately, you are now protected with the ACA.

Open enrollment under the Affordable Care Act begins November 1 and lasts until January 31, 2017. If you want your coverage to begin on the first of the year, you will have to enroll by December 15. Now is the time to compare healthcare plans so that you can find the best one for you. You and your clients can learn more about the Health Insurance Marketplace and how to apply for benefits at www.healthcare.gov.

Signed into law on March 23, 2010, the Affordable Care Act provides Americans with better health security by expanding coverage, lowering healthcare costs, guaranteeing more choice, and enhancing the quality of care for all Americans. As of March 2016, 20 million people have gained health insurance coverage –more than 6 million of them uninsured young adults– because of the Affordable Care Act. We now have the lowest uninsured rate in the country’s history. 

No matter who you are, you are entitled to affordable healthcare. It’s a crucial part of securing today and tomorrow. The Affordable Care Act also ensures that even if you have a preexisting condition you will be covered. 

If you are already covered and want to change your plan, this is the time to do it. Factors might have changed over the last year that would make you want to update your coverage. Even if you’re just curious about the many plans in the open marketplace, you can compare healthcare plans at www.healthcare.gov.

Having coverage for you and your loved ones is a critical part of a healthy and happy life. Make sure you’re covered with the plan that best suits you.

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About the Author

Jim Borland, Assistant Deputy Commissioner, Communications

Jim Borland, Assistant Deputy Commissioner, Communications

Comments

  1. tom

    how can i get the email of Jim Borland.

    • Ray F.

      Unfortunately, but for security reasons, we do not do direct messaging in this venue. You can write to us or send us an email message, we will direct your inquiry to the proper component within our agency.
      We encourage you to continue to work with your local office on specific issues about your case. If you’re unable to visit your local office, call our toll free number at 1-800-772-1213 for assistance, you will generally have a shorter wait time if you call later during the day or later in the week. Telephone representatives are available Monday through Friday, between 7 a.m. and 7 p.m. Thanks!

  2. Dana C.

    I just turned 65. My husband is 66 and works with full health benefits. He is not collecting social security health benefits. Since I am still covered under his health plan do I have to collect social security health benefits or can I continue under his private insurance?

    • Ray F.

      Thank you for your question, Dana. A beneficiary may refuse Medicare Part B, during his or her Initial Enrollment Period, if that beneficiary or the spouse, actively works and has coverage under a group health plan based on that employment, then he or she doesn’t need Medicare part B until the work activity ends or that health care coverage is dropped. However, we always suggest that individuals speak to their personnel office, health benefits advisor, or health plan representative to see what’s best for them, and to prevent any penalties or delayed enrollment in the future.
      Our policy requires a personal interview be conducted with everyone who wants to terminate their Medicare Part B benefits. Representatives at your local Social Security office will help you submit the required form or your signed request for termination.
      For specific questions or to make an appointment, call 1-800-772-1213, M-F between 7 a.m. and 7 p.m. and ask an agent to assist you.
      To learn more about the Medicare enrollment periods visit http://www.Medicare.gov. Hope this helps!

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  6. Gilda

    I now hv medicare A nd B. Currently receiving $286 only. Then starting dec mi us $123 for d B.
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  7. John B.

    Life insurance is important especially, if you leave behind a spouse since most spouse are stay home mothers. You need to be insured for at least $500,000 because life can be expensive in the future for your spouse and possible children.

  8. Tony S.

    Hospitals & Asylums

    ACA (1) beneficiaries need to be refunded for the January 1, 2016 premium price gouging in excess of 2.5% health annuity and (2) the law needs to be amended “streamlined as directed” to abolish the unnecessary and excessive refundable premium and cost-sharing reductions ruining the Treasury since January 1, 2016 in youthful rebellion of the gray haired President against Sec. 5 and 6 of the Social Security Act of January 1, 2016 http://www.title24uscode.org/ss1.htm

    Sec. 5 To repeal Affordable Care Act (ACA) refundable premiums and cost-sharing reductions

    To protect Streamlining of procedures for enrollment through an Exchange and state medicaid, CHIP and health subsidy programs 42USC§18083 of the Affordable Care Act (ACA) and repeal the rest of Subchapter 4 Affordable Coverage Choices for All Americans Parts A & B 42USC§18071-18084 in order to abolish the refundable premium and cost-sharing reductions for the relief of the Treasury budget by profitable health insurance corporations from January 1, 2016.

    Sec. 6 2.5% health annuity reimbursements

    To legislate a 2.5% health annuity for the ACA and other private health insurance corporations to credit customers with the difference between the new 2.5% health annuity rule of January 1, 2016 and the 20% ACA premium increase and cruelest and most unusual 50% Medicare part B inflation in premium price, ever, it seems best to amend the Amount of Premiums Section 1839 of Title XVII of the Social Security Act 42USC§1395r(a)(1) The monthly actuarial rate for enrollees age 65 and over shall be equal with all people who would otherwise be eligible for Medicare Part B because they are Old Age Survivor Disability Insurance (OASDI) beneficiaries. The premium is designed to afford one-third of the total of the benefits and administrative costs estimated to be payable per capita from the Federal Supplementary Medical Insurance Trust Fund for services performed and related administrative costs incurred in such calendar year with respect to such enrollees and any credit due. (a) The inflation adjustment of the monthly premium of each individual enrolled is calculated at 2.5% annual inflation from the premium price of $104.90 in 2015 rounded to the nearest 5 cents, $107.50 provided social security beneficiaries receive a 3% COLA, the 6% COLA 2017 will cause premiums, that have had to be held harmless by the Treasury, to rise to $110.20 in January 2017 and increase 2.5% every year thereafter, provided there is a 3% COLA there is a 2.5% health annuity, this is not a variable proportion but fixed individual portions of inflation, as used in recipe and nutrition books (b) The SMI deductible was $147 in 2015 and will be $151 in 2016 and $154 in 2017, etc. The Drug benefit deductible was $320 in 2015, would be $330 in 2016, $340 in 2017, etc. In the Drug program the initial benefit limit and catastrophic threshold, rounded to the nearest dollar, of $2,960 and $4,700 in 2015 respectively, would be $3,034 and $4,818 in 2016, etc. (c) the 2.5% health annuity applies equally to all private health insurance programs, and health spending that must be reduced from the wildly high estimate of 17.5% to less than 10% of gross domestic product (GDP) by 2025.

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