On March 23, 2010, President Barack Obama signed the Patient Protection and Affordable Care Act (ACA) into law which included a number of significant changes to America’s health care system, including a requirement that every American have health care coverage or possibly face a tax penalty, and new taxes and penalties on employers that don’t provide employees with specific types of health coverage. The ACA also mandated the creation of health insurance exchanges in every state, through which individuals and small business owners can purchase health insurance.
In November 2012, Ohio elected not to administer an exchange but to retain regulatory control over health insurance plans offered through a federally operated exchange.
Providing good information to help patients make informed decisions about their health care is something you do every day, and it’s what you can do now to help make sure your patients are aware of their options.
- Offer low cost coverage options with comprehensive plans covering essential benefits
- Can no longer deny coverage due to pre-existing conditions
Primary care physicians and other health care professionals have the opportunity to help patients understand and navigate the changing health care landscape by discussing the insurance options that are available through the marketplace.
The open enrollment period for 2016 coverage will begin Sunday, November 1, 2015, though Sunday, January 31, 2016.
- FAQ on Health Care Marketplaces From HealthCare.gov
- U.S. Department of Health and Human Services Health Resources and Services Administration
- Health Reform Implementation Timeline
- Ohio Are You Covered
- Ohio Governor’s Office of Health Transformation: Federal Health Insurance Exchange
- Ohio’s Insurance Exchange FAQ
- Ohio Medicaid Eligibility
- Ohio Network for Health Coverage and Enrollment
- UHCAN Ohio
Additional Information and Resources
- UnitedHealth Group Mulls Leaving ACA Exchanges (Weekly Family Medicine Update, November 24, 2015)
- Ohio and the ACA: A Closer Look at Health Insurance Marketplace Premiums and Enrollment (Health Policy Institute of Ohio, October 8, 2015)
- Insurers Dropping Out of ACA Exchanges Could Limit Choice, Increase Costs (Weekly Family Medicine Update, August 23, 2016)
- Study Says ACA Plans Offer Narrower Networks (Weekly Family Medicine Update, July 21, 2015)
- Supreme Court Upholds Subsidies in ACA (Weekly Family Medicine Update, June 30, 2015)
- American Academy of Family Physicians Affordable Care Act Information
- FamilyDoctor.org: Understanding Health Insurance Marketplaces
- State, Federal Health Exchange Enrollment Nears 11.7M (USA Today, March 9, 2015)
- U.S. Health Official Says no Fix if Obamacare Subsidies Thrown Out (Reuters, February 24, 2015)
- Federal and State Health Insurance Marketplaces Cover 9.5 Million (Weekly Family Medicine Update, February 3, 2015)
- HHS Announces Automatic Re-Enrollment in Marketplaces (Weekly Family Medicine Update, July 1, 2014)
- Survey Indicates Most Enrolling in Marketplace Were Previously Uninsured (Weekly Family Medicine Update, July 1, 2014)
- Ohio and the Federally Facilitated Marketplace (Health Policy Institute of Ohio, January 27, 2014)
- Ohio Insurance Basics: A Closer Look at Open Enrollment for Small Businesses in 2014 (Health Policy Institute of Ohio, November 16, 2013)
- Health Insurance Marketplaces: What Ohioans Can Expect (Health Policy Institute of Ohio, July 16, 2013)
- Ohio Insurance Basics: A Closer Look at Trends in Employer-Sponsored Insurance (Health Policy Institute of Ohio, April 16, 2013)
- Ohio Insurance Basics (Health Policy Institute of Ohio, October 1, 2012)
- An Introduction to ‘Essential Health Benefits’: Ohio’s Role in Determining Services Covered by Insurance Post-2014 (Health Policy Institute of Ohio, August 16, 2012)