Need Health Insurance? Apply for Private Health Insurance.
RCH offers FREE counseling services to complete applications for private health insurance coverage. Plans are available for everyone and cover essential health benefits, pre-existing conditions and include preventative care. Visit with RCH’s Certified Health Insurance Navigator:
Monday – Thursday 7 a.m. to 4 p.m.
Available after hours by appointment.
The five free informational seminars are a project supported by the U.S. Department of Health and Human Services, Centers for Medicare & Medicaid. The project described was supported by, Funding Opportunity Number CA-NAV-15-001 from the U.S. Department of Health and Human Services, Centers for Medicare & Medicaid Services. The contents provided are solely the responsibility of the authors and do not necessarily represent the official views of HHS or any of its agencies.
Step 1: Complete Application
RCH’s Certified Health Insurance Navigator offers full-service assistance to complete your application from the beginning or even partially completed applications you may have started and left unfinished. Once the application is completed, you can immediately shop the insurance Marketplace. No one can be denied coverage. Based on your income you will learn if you qualified for premium tax credits and savings on out-of-pocket costs. With these budgetary items known, you can now pick your plan. (See example.)
Step 2: Pick a Plan
You have the freedom to select the coverage you want based on your needs. Some plans offer low monthly payments and have higher deductibles/co-pays while others offer lower deductibles/co-pays with higher monthly premiums. The choice is yours.
Step 3: Coverage Begins
Coverage can begin as early as 15 days depending on date of enrollment. Those enrolled by the 15th of the previous month receive coverage sooner than those who enroll after the 15th of the month.
A 28-year-old female, nonsmoker with an annual income of $20,000 selects the most popular “Silver” plan. If she does not qualify for subsidies, she could purchase her plan at the original rate of $307. However, in this case her income may potentially qualify her for subsidies in the amount of $224, making her monthly payment $83.*
*A variety of factors contribute to final premium costs.
When to apply:
Open Enrollment National open enrollment is typically held in the fall for the following calendar year beginning January 1. Visit healthcare.gov for this year’s open enrollment dates. Special Enrollment Enrolling in private health insurance outside of the designated open enrollment period requires a life changing event to qualify. Examples of life change events include, but are not limited to:
- Marriage / divorce
- Becoming pregnant / having a baby / gaining or losing a dependant
- Moving out of state
- Change in disability status
- Change in employment / income
- Change in health coverage through employment or other program
Open enrollment for 2018 coverage is November 1, 2017 to December 15, 2017. Special enrollment outside of these dates is available if you’ve had a life changing event that qualifies as listed above.
What is needed to apply:
- Home and/or mailing addresses for everyone applying for coverage
- Social Security Numbers
- Employer and income information for every member of your household (for example, from pay stubs or W-2 forms)
- Other forms as necessary based on legal residence, income and employer based programs
Visit with RCH’s Certified Health Insurance Navigator for a complete list or go online healthcare.gov.