TIps on Getting Insurance Via the Exchange

Americans who are uninsured or want to change health plans can buy a policy through insurance exchanges set up under the Affordable Care Act (ACA). Enrollment through the online marketplaces began Oct. 1 and runs through March 31. Coverage begins Jan. 1 for people who sign up by Dec. 15.

All plans sold in the exchanges must cover basic health care such as doctor visits, hospital stays and prescription drugs. They can’t charge a copayment for preventive care such as screenings for high blood pressure or cancer. The ACA prohibits insurers from denying coverage or charging higher premiums based on preexisting medical conditions. Some people may qualify for tax credits to help pay the premiums. For example, a family of four with an annual income of less than $94,200 may receive some assistance.

In Wyoming, nearly 13 percent of people 50 to 64 don’t have insurance, and as many as 83,000 state residents may qualify for financial help to buy coverage.

People who have questions can call a 24-hour hotline, 800-318-2596; visit an AARP website about the health insurance marketplace at healthlawanswers.org; and get information about the plans offered in each state at HealthCare.gov.