Mayor Mark Mallory and other community officials today jumpstarted a six-month effort to enroll uninsured Cincinnatians into the Affordable Care Act’s (“Obamacare”) online marketplaces, which open for enrollment on Oct. 1.
“This is not politics,” Mallory said. “Obamacare is now the law of the land.”
The goal is to reach out to the 21 percent of Hamilton County residents who currently lack health insurance and hopefully help enroll them through the marketplaces, which will allow anyone to go online and browse and compare different health insurance plans.
Forty-six plans will open for enrollment in Cincinnati on Oct. 1, but coverage won’t begin until 2014. The three-month period is supposed to give consumers enough time to decide on a plan before insurance kicks in.
“A new day is starting tomorrow for millions of Americans who have been shut out of the health insurance market,” said Kathleen Faulk, a director at the U.S. Department of Health and Human Services who will oversee the Cincinnati area’s marketplace.
At the marketplaces, an Ohio 27-year-old making $25,000 a year will be able to buy a “silver,” or middle-of-the-pack, plan for as low as $145 a month after tax credits, while a family of four making $50,000 a year will be able to pay $282 a month for a similar plan, according to Congressional Budget Office numbers.
Participants with an annual income between 100 percent and 400 percent of the federal poverty level, or individuals making between $11,490 and $45,960, will be eligible for tax subsidies, with the highest incomes getting the smallest subsidies and the lowest incomes getting the largest.
Throughout the enrollment period, outreach campaigns will attempt to enroll as many Americans as possible. Some of those efforts have been made more difficult through new regulations passed by legislators who oppose Obamacare, including Ohio Republicans.
The federal government estimates it will have to sign up 2.7 million young adults out of the 7 million Americans who are expected to enroll. Otherwise, older Americans, who are more prone to sickness and poor health, will flood the marketplaces, exhaust health services and drive up costs.
Enrollment will remain open from October through March. Afterward, enrollment will open annually from Oct. 15 to Dec. 7, just like Medicare. There will be exemptions for those who have life-changing events, such as losing a job or turning 26, to allow people to sign up for coverage during unexpected circumstances.
Starting in 2014, most Americans — with exemptions for religious and
economic reasons, the imprisoned and those living outside the country — will have to enroll for health insurance or pay a tax penalty. The penalty will start at $95 per uninsured adult in a household or 1 percent of household income, whichever is higher, and grow in 2016 to $695 per uninsured adult in a household or 2.5 percent of household income, whichever is higher.
Anyone interested in the marketplaces will be able to browse options and sign up online at www.healthcare.gov or www.mayormallory.com, by phone at 1-800-318-2596 or in person at various locations, including community health centers and the Freestore Foodbank.
Update: Clarified metal-based classifications for different health care plans.