Next Open Enrollment Period:
November 1, 2017 December 15, 2017

The Marketplace

What is the Health Insurance Marketplace?

The Health Insurance Marketplace is the online portal where private companies sell insurance plans. In Kansas, you can access the Marketplace by visiting healthcare.gov.

What is a Navigator?

Cover Kansas Navigators are trained, unbiased and located within trusted organizations in many communities. Navigators can assist you with the online application and help compare plans to find the one best for you.

To find a Navigator or other certified assister in your area, visit coverks.org or call 2-1-1.

Get Ready to Enroll

What Will You Need to Apply and Enroll?

When enrolling, you will be asked for basic information about your family and household. Make sure to gather the following information before you apply.

  • Names, birth dates and Social Security numbers for everyone in your household
  • Your projected household income
  •  Tax information, such as filing status and number of dependents
  • Immigration documentation and supporting identification numbers
  • If you plan to submit an online application, you will need an email address and the associated password to create an online Marketplace account. Your Navigator or certified assister can help you create an email address if you do not have one.

Lower Costs

Financial Help May Be Available.

If you do not have an offer of health insurance from an employer, you may be able to use an Advanced Premium Tax Credit to lower your monthly cost for Marketplace plans. The amount of tax credit you qualify for will depend on your household size and income.

If your income is below a certain level, you may also qualify for Cost Sharing Reductions, which automatically lower the out-of-pocket costs associated with your plan, including your deductible or co-payments.

If your income is between the amounts shown to the right, you may qualify for an Advanced Premium Tax Credit.

Number in Household and Income Range

Individual: $11,880 – $47,520
Family of 2: $16,020 – $64,080
Family of 3: $20,160 – $80,640
Family of 4: $24,300 – $97,200
Family of 5: $28,440 – $113,760
Family of 6: $32,580 – $130,320

Enrollment

When Can You Enroll?

Open enrollment starts November 1, 2017 and ends on December 15, 2017. Coverage could begin as early as January 1, 2018.

Now is the time to explore your health coverage options. Visit coverks.org or healthcare.gov to learn about the available plans and rates for your area. You can also estimate your out-of-pocket costs by answering a few questions about your household.

Once the Marketplace opens November 1, there are four easy ways to apply:

  • Find local in-person enrollment assistance by calling 2-1-1 or visiting coverks.org
  • Enroll online at healthcare.gov
  • Enroll over the phone at 800-318-2596
  • Mail a paper application

Renewing Your Coverage

All 2017 Marketplace health plans will be up for renewal during Open Enrollment beginning November 1, 2017. It is possible that your current plan may not be available in 2018. If you do not choose and enroll in another plan, the Marketplace will automatically enroll you in a similar plan.

Your current insurance company will be sending you information about your insurance plan and coverage for the upcoming year. Review this information carefully for any changes. Make sure your current provider remains in your plan network. If your current plan is available next year and you would like to keep it — and your household size and income have not changed — you do not need to do anything. You will automatically be renewed for 2018. However, to make sure you get the full savings you deserve, you must update your information with the Marketplace.

If your current health plan does not meet your needs, review the Marketplace health plans available in your area and enroll in a new plan during Open Enrollment.

It is important to inform the Marketplace if your household income or size has changed. These changes may adjust your tax credit amount.

Important!

If you choose a new plan, you must contact your current insurance company and cancel your old plan once the new coverage starts.

Where can a person find more information about getting insurance through the open enrollment period, including detailed timeline information?

For Kansas specific information, visit coverks.org. For detailed information about the Affordable Care Act (ACA) and its key provisions, visit the federal government’s website at healthcare.gov or call 800-318-2596 (TTY: 1-855-889-4325). There are a number of other helpful sites and resources for more information about the ACA, including Kaiser Family Foundation; Commonwealth Fund; and The Robert Wood Johnson Foundation.