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Help for the Unemployed or Previously Unemployed

Jul 12, 2021
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Were you unemployed at any time in 2021? If so, we have good news about health insurance coverage. If you are currently enrolled in Marketplace health insurance and received 2021 unemployment income, you are encouraged to update your Marketplace applications between July 1 and August 15 to maximize savings on coverage for the rest of the year.  This opportunity also opens a pathway for many people who are not current Marketplace consumers to obtain affordable, comprehensive health coverage.

Eligibility is Easier than You Think

We encourage you to visit our website at healthoptions.org to obtain a summary of your Marketplace eligibility for financial assistance in the form of a premium tax credit. Simply click on "Find a plan," select “Shop as an individual or family," and answer a few basic questions. Be sure to use the "Check my eligibility" button at the bottom of the first page before you leave.

I am eligible for a tax credit; what should I do?

If you are eligible for a tax credit, contact the Marketplace by calling (800) 318-2596 or visiting healthcare.gov.

If calling, have your current plan name ready and choose "Apply and report changes" from the phone menu. Let the representative know you are calling to take advantage of a premium tax credit. You will be asked a few questions, and your application will be updated.

If you are calling and do not have a Marketplace account, the representative will create an account for you.

If you are updating online as a returning visitor to healthcare.gov, click on the tab "Update/change plans to save." Review your application (even if there are no changes) to see your updated tax credit and reselect your current plan. By reselecting your plan, you will confirm the updated tax credit amount.  Please note, any plan changes or premium reductions may not be reflected in your invoice until the month after your revisions have been made at the Marketplace.

If you are a new visitor to healthcare.gov, click on the tab "Take the First Step to Apply," and answer the enrollment questions to find a plan that fits your needs.

Although healthcare.gov determines eligibility for a Marketplace plan and premium tax credits, we are here to help answer any questions you may have about our Marketplace plans. Please contact us at (855) 624-6463, Monday through Friday, 8 a.m. to 6 p.m.  Act fast! August 15 will be here before we know it.

SEE ALSO

Group Administrators can now rely on our Group Administrator Portal User Guide for help with employer portal functionality. It contains instructions for setting up a portal account, managing employee enrollment, and viewing and paying invoices online. You can access the guide at https://healthoptions.org/mediapath/brokermarketing/brokerlinkedmedia/employerportaluserguide/. Please inform your Health Options employer groups about this document’s availability.