FHN's goal is to support our patients with education and assistance in obtaining healthcare coverage through the Health Insurance Marketplace related to the Affordable Care Act (ACA), sometimes known as "Obamacare" that was signed on March 23, 2010.
FHN has Certified Application Counselors (CAC's) available to assist you with enrolling in the health coverage that is best for you and your family.
Based on your family size, income, and eligibility for other health insurance you may be eligible for insurance coverage under the Health Insurance Marketplace or Medicaid.
Health Insurance Marketplace
2019 Open Enrollment begins November 1, 2018 and ends on December 15, 2018.
There is no open enrollment, and you may enroll anytime.
See if you qualify for Medicaid based on income alone.
What is HealthCare.gov?
Spanish speaking consumers should visit CuidadoDeSalud.gov.
HealthCare.gov has information on how enrollment works and what benefits are available, as well as videos and checklists to help people learn about their options and the steps they need to take to get covered.
Why is it important to get covered?
No one plans to get sick or hurt, but it happens. With health insurance from HealthCare.gov, you can make sure you and your family members are protected against unexpected medical expenses. With health insurance, insured Americans won't be forced to put off a check-up or worry about going broke if they get sick.
All plans at HealthCare.gov cover free preventive care with no co-pay. This means free check-ups and more. All plans at HealthCare.gov also offer guaranteed essential benefits including low-or no-cost vaccines, screening tests, check-ups, and other important healthcare services.
No one can be denied coverage because of a pre-existing condition like high blood pressure or asthma. No American has to worry that losing a job will mean that he or she won't qualify for health coverage.
Who can enroll in a health insurance plan through HealthCare.gov?
If you don't have health insurance through your job, Medicare, Medicaid, or another source, HealthCare.gov helps you find and enroll in a plan that fits your budget and meets your needs.
How can people enroll in coverage?
Getting covered is easier than ever. Every year, the process of signing up for coverage gets simpler.
There are many ways to select a health plan and enroll.
When does Open Enrollment begin? What's the deadline to sign up?
To be eligible for coverage 1/1/2019, you must enroll by 12/15/18.
Consumers with existing marketplace coverage should come back to shop and review their coverage options by December 15, 2018 as new, better and more affordable plans may be available for them in 2019.
The final deadline to enroll for 2019 coverage is December 15, 2018.
How many people have signed up for health insurance under the Affordable Care Act so far?
Millions of Americans have signed up for coverage through HealthCare.gov. They are benefiting from the peace of mind that comes with having quality coverage at a price they can afford.
We are encouraged by the numbers - people are obtaining the health coverage they need.
How can consumers get help if they have questions?
Free tools on HealthCare.gov and personal assistance on the ground in communities across the nation are available to make sure you feel confident that you've picked the right plan for you and your family.
If you have questions about signing up or want to talk through your options with a trained professional, free and confidential assistance is just a call or click away.
If you would like to make an appointment with one of FHN's Certified Application Counselors please call 815-599-7950 or 877-720-1555.
Is it true that people will have to pay a fee if they don't have health insurance?
If you choose not to buy health insurance this year, you may need to pay a tax penalty, so please remember that people who cannot afford health insurance coverage may qualify for an exemption to have the fee waived.
For plan years through 2018, if you can afford health insurance but choose not to buy it, you may pay a fee called the individual Shared Responsibility Payment. The fee is sometimes called the "penalty", "fine", or "individual mandate". Starting with the 2019 plan year, for which you'll file taxes in April 2020, the Shared Responsibility Payment no longer applies.
Is it fair that people are required to purchase health insurance? Are you using the fee to scare people into getting covered?
Having health insurance is the law.
Our priority is to make sure people are informed about the options available to their families.
We believe, that for most families, the best option is to learn about the financial assistance that is available and to enroll in a plan that meets their needs rather than choosing to get by without insurance and risk having to pay a fee.
How is the health care law and HealthCare.gov improving benefits and consumer protections?
Free preventive care: All plans at HealthCare.gov cover free preventive care with no co-pay. This means free cancer screenings, check-ups, and more.
Protections for people with pre-existing conditions: Millions of Americans with pre-existing conditions no longer have to worry about being denied health coverage or being charged higher premiums because of their health status.
Free or low cost health insurance:You can find out if you are eligible for low-cost health insurance premiums at HealthCare.gov. 8 out of 10 people who enroll in coverage through HealthCare.gov qualify for a premium tax credit to make their premiums lower.
Comprehensive coverage: Health plans in the individual and small group markets are required to cover ten categories of essential health benefits – including emergency services, maternity and newborn care, mental health and substance use disorder services, and prescription drug coverage.
Emergency care: In an emergency, individuals are covered at any hospital location and his or her insurance company can't charge more for getting emergency room services at an "out-of-network" hospital.