New Way To Buy Health Insurance

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When key parts of the health care law take effect in 2014, there will be a new way to buy health insurance: the Health Insurance Marketplace, which is designed to help you find health insurance that fits your budget.

Every health insurance plan in the new Marketplace will offer comprehensive coverage. You can compare all your insurance options based on price, benefits, quality and other features that may be important to you, in plain language that makes sense.

When you shop at the Marketplace, all your costs are stated upfront. So you’ll get a clear picture of what you’re paying and what you’re getting before you make a choice.

Under the health care law, you and your family also will have new protections. Health insurance companies can’t refuse to cover you, or charge you more just because you have a chronic or pre-existing condition. And they can’t charge more for women than for men.

Here are three things to keep in mind about the Health Insurance Marketplace:

• It’s an easier way to shop for health insurance. Do one application, one time, and you and your family can explore every qualified insurance plan in your area — including any free or low-cost insurance programs.

• Most people will be able to get a break on costs. New rules and expanded programs mean that even working families can get help paying for health insurance.

• Clear, apples-to-apples comparisons. All health insurance plans in the Marketplace present their price and benefit information in simple terms.

Starting on Oct.1, 2013, you’ll be able to get detailed information about all the Marketplace plans available in your area. You’ll also be able to enroll through www.HealthCare.gov, or by calling a toll-free phone line.

You can sign up now at www.HealthCare.gov to get email or text alerts that will let you know how to get ready to enroll in the plan of your choice.

If you have difficulty finding a plan that meets your needs and budget, there’ll be people available to give you personalized help. They aren’t associated with any particular plan, and they don’t receive any commission, so the assistance will be completely unbiased.

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