ObamaCare in West Virginia
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About Obamacare in West Virginia
The Affordable Care Act, or Obamacare, is a law that was made to make health services more accessible to all U.S. residents. Obamacare in West Virginia provides new benefits and protections to its citizens through an online exchange, called the Marketplace, in which you can search and compare health insurance plans. All legal WV residents can apply to get health insurance through Obamacare at HealthCare.gov during the established enrollment period. Small businesses can also get Obamacare in West Virginia for their employees.
Individual & Family Coverage
You can apply to get a plan with WV Obamacare during the Open Enrollment Period which will go from November 15, 2014 to February 15, 2015. At the Marketplace: HealthCare.gov, you can search for plans from different companies, and purchase them online. You can also request for assistance by calling: 1-800-318-2596.
All plans include the same coverage and only vary their prices. They are classified in four categories: Bronze, Silver, Gold and Platinum. There are also Catastrophic Events plans that you can purchase but are not subsidized by the government. If you choose a plan from the metal categories, you can be eligible to get tax credit to help you pay for your premiums.
The four basic plans, from Bronze to Platinum, include coverage for a comprehensive set of services from hospital stays to chronic disease treatments. You must compare the plans and choose the one that best fits your financial needs. Plans with high premiums have less out-of-pocket expenses, while plans with lower premiums may have higher copays for the services you use.
If you missed the Open Enrollment Period, you may qualify for a Special Enrollment Period. This period is intended for people who have had major life changes like marriage, divorce, the birth of a baby, or the adoption of a child. You can also have a Special Enrollment Period if your insurance year expired or if you no longer qualify to get insurance through your parents’ plan.
Small businesses in West Virginia can also provide affordable health insurance to their employees with the benefits of the Affordable Care Act. Your company qualifies if it employs less than 50 full-time equivalent employees. You can also get tax credits if you employ less than 25 full-time equivalent employees and get up to 50 percent of your premium costs as tax credit.
You can have your WV business enrolled by the 15 of each month, to start coverage the first day of the following month. Go to www.healthcare.gov to apply and start enjoying all the benefits of Obamacare.
Under the Affordable Care Act companies must give you all the benefits of the plan you choose without charging more for pre-existing conditions. You cannot be denied coverage in West Virginia just because you are sick, injured, or suffer from a chronic or terminal disease.
If you have a grandfathered plan, the ones you purchase yourself directly with the company and outside of the Marketplace, can still apply their restrictions. Although, if you want to switch your plan to Obamacare, you can wait to enroll when your current coverage expires, or enroll during the Open Enrollment Period which will begin on November 15.