Shop, compare -- and beware, when shopping for health insurance outside official government marketplaces.That's the message from health experts during the annual plan selection period on state and federal marketplaces for Obamacare health insurance. Despite uncertainty about the future of the Affordable
Shop, compare — and beware, when shopping for health insurance outside official government marketplaces.
Open enrollment on HealthCare.gov, the federal online exchange for people who don’t have health coverage through their job, began Nov. 1 and runs through Dec. 15 in most states, for coverage beginning in 2020. Many parts of the country are seeing lower premiums than last year, said Karen Pollitz, a senior fellow at the Kaiser Family Foundation. Many insurers raised premiums sharply in 2018 but then “modestly” reduced them for this year and again for 2020, she said.
“One of the biggest challenges is letting people know that this is the time to go and shop,” said Joshua Peck, a co-founder of the group and a former chief marketing officer of HealthCare.gov. The Centers for Medicare and Medicaid Services said the enhanced enrollment providers must follow certain rules, like displaying Obamacare health plans on a separate page on their websites and informing shoppers that tax credits and cost-sharing help are available only with Obamacare plans.
Even if people like the coverage they had this year, they should return to the marketplace, update their information and shop, he said. The formula for determining financial subsidies is complex, and even if your plan was the lowest-priced option this year, it may not be next year.
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