The New Law The Affordable Care Act (ACA) requires everyone legally living in the U.S. to have health insurance beginning January 1, 2014. And it also gives millions of individuals with too little, or no insurance, access to health plans at different cost levels. The law also provides financial assistance to those who qualify based on family size and income.
The new Health Insurance Marketplace, also known as an “Exchange,” opened on October 1, 2013 and it allows you to shop for a plan that fits your budget and coverage needs. We’re here to help you learn about the law and how to select the right plan for you and your family.
What Will the Plans Cover? Once enrolled, coverage can begin as early as January 1, 2014. Benefits include doctor visits, hospital stays, wellness care, prescriptions, emergency services, maternal and newborn care, pediatric care and more.
Enroll October 1, 2013 - March 31, 2014 If you do not have health insurance, you are required to sign up during open enrollment, from October 1, 2013 to March 31, 2014. Enrollment via Maryland’s health insurance marketplace is available online, by phone or in person. For Maryland residents, Maryland Health Connection is the one-stop-shop to easily compare plans based on benefits and cost.
Whether you’re currently uninsured, you’ve been denied coverage in the past, or you just want to explore new options, Maryland Health Connection gives you more choice and control over your health coverage.
By law, under the Affordable Care Act, most people over age 18 must have health insurance beginning in 2014 or face tax penalties. If you have Medicaid or Medicare coverage, that meets the requirement.
Take a few minutes to learn about the New Law.
Maryland Health Connection The Health Insurance Marketplace in the state of Maryland is called Maryland Health Connection and it is making it easier for Marylanders to shop, compare, and enroll in quality health coverage.
The statewide goal is to make health insurance affordable and accessible for all Maryland residents, including the approximately 730,000 residents who are currently uninsured. Holy Cross Hospital and other hospitals throughout the state have committed to inform, educate, and assist people in our communities to enroll in quality health coverage. Holy Cross Hospital is partnering with the Montgomery County Department of Health and Human services to help the nearly 222,000 uninsured residents in Montgomery and Prince George’s counties to find coverage that fits their budget.
How to Sign Up Open enrollment for health insurance through Maryland Health Connection is October 1, 2013 - March 31, 2014. There are three ways to sign up:
By Phone: Call Maryland Health Connection's call center and sign up over the phone, Monday-Friday, 8 a.m. - 6 p.m.
1-855-642-8572 (toll free)
In Person: Meet in-person with a navigator to complete enrollment. Residents of Montgomery and Prince George's counties can visit www.capitalhealthconnection.org to view an online calendar of events to see where navigators will be located to help you enroll.
Maryland's Hospitals Support Health Coverage Expansion
Financial Assistance A surprisingly large number of people will qualify for financial help when coverage begins in 2014. For example, an individual earning up to $45,960 a year, or a family of four earning up to $94,200 a year, will qualify for a reduction of their monthly premiums, or a tax credit at the end of the year. The chart on this page gives you a good idea of how much assistance will be available. Once you apply at the Marketplace, you will find out the exact amount.
If your household size is this:
You may be eligible for Medicaid if your income* is this:
You may be eligible for reduced premiums and/or lower insurance costs if your income is this:
Less than $15,856
$15,857 – $45,960
Less than $21,404
$21,405 – $62,040
Less than $26,951
$26,952 – $78,120
Less than $32,499
$32,500 – $94,200
Less than $38,047
$38,048 – $110,280
Less than $43,595
$43,596 – $126,360
Less than $49,143
$49,144 – $142,400
Less than $54,691
$54,692 – $158,520
Source: Maryland State Department of Health and Mental Hygiene, Medicaid Planning Administration
*Income eligibility levels for children and pregnant women are higher
www.marylandhealthconnection.gov– Maryland’s health insurance marketplace for residents to apply, compare and enroll in health insurance and find other helpful resources.
www.capitalhealthconnection.org – Provides information to residents of Montgomery and Prince George’s Counties on enrolling in Maryland Health Connection, the state-based health insurance marketplace. It also provides a calendar of events where navigators and assistors will be located to provide in-person enrollment.
www.healthcare.gov – National resource for learning about the health insurance marketplace and to find the marketplace that will serve you.