Preview HealthCare.gov Plans Now and
Get Ready - Open Enrollment Starts November 1
Starting
today, consumers can preview 2022 health insurance plans and prices on
HealthCare.gov ahead of Marketplace Open Enrollment, which begins on
November 1 and runs through January 15. This year, consumers will
have more plan choices, and continue to benefit from lower costs thanks
to President Biden’s American Rescue Plan (ARP), making it easier to
find quality, affordable health care coverage. In fact, four out
of five consumers will be able to find health care coverage for $10 or
less per month with the extra savings made available under the ARP.
To
help consumers take advantage of historically low subsidized premiums,
the Biden-Harris Administration is launching one of the largest Open
Enrollment outreach campaigns to date. Increased consumer
assistance will be available at no cost and consumers will have an
additional month to shop with Open Enrollment extended through January
15.
“Thanks
to the American Rescue Plan, people shopping for health insurance this
year through the Marketplaces will experience the widest variety of
options with the lowest prices ever. We have also quadrupled the number
of Navigators available to guide consumers through the sign-up process,
and extended the Open Enrollment Period. Through these continuous
efforts, the Biden-Harris Administration will ensure affordable health
care is in reach for everyone and provide peace of mind with coverage,”
said Health and Human Services Secretary Xavier Becerra.
Starting
today, consumers visiting HealthCare.gov will have access to detailed
information about each plan offered in their area for enrollment during
the 2022 Open Enrollment Period (November 1, 2021 – January 15, 2022).
Consumers can review and compare plan options and find out if they are
eligible for financial assistance, which can help pay monthly premiums
and reduce out-of-pocket costs when receiving services.
“Thanks
to enhanced subsidies in the American Rescue Plan, quality health care
coverage is more affordable and accessible than ever on HealthCare.gov
and state-based Marketplaces,” said CMS Administrator Chiquita
Brooks-LaSure. “Consumers can preview plans and prices now to find
coverage that best meet their needs. We encourage consumers who need
health insurance, and those with current Marketplace coverage to browse
quality plans available in their area, which can be done without
creating an account or filling out the application.”
Today,
CMS also released a new Qualified Health Plans (QHPs) Landscape Report
that shows the enhanced premium tax credits passed in the ARP continue
to ensure critical financial assistance to consumers and that more
plans are offering HealthCare.gov coverage in 2022. As a result, more
people than ever before are eligible to receive additional help to pay
for HealthCare.gov coverage. The report highlights that new and
returning consumers may continue to be able to find more affordable
health care coverage with lower costs for the 2022 plan year.
The QHP
Landscape Report shows that more insurance companies are entering
the market and expanding their service areas, which translates into
more access to health care coverage and affordability for consumers.
For the 2022 plan year, 213 issuers will be offering coverage through
HealthCare.gov, an increase of 32 issuers compared to the 2021 plan
year. Eighteen states now have more issuers participating in the 2022
plan year than the 2021 plan year. These increases mean more choices,
with the average consumer having plan options from between six and
seven insurance companies, up from four to five companies in 2021.
All
consumers shopping for health insurance coverage for 2022 on
HealthCare.gov — even those who currently have coverage through the
Marketplace — should enroll or re-enroll starting November 1 by logging
in to HealthCare.gov and CuidadoDeSalud.gov or call 1-800-318-2596 to
fill out an application. Consumers generally need to choose a plan by
December 15 for their coverage to start January 1.
To
further help consumers, CMS awarded 60 Navigator organizations $80
million in grants for the 2022 plan year, and almost $11.5 million in
additional funding is being made available to Navigators to support
their additional outreach, education, and enrollment activities during
the expanded HealthCare.gov Open Enrollment Period. Over 4,550
assisters and 44,000 agents and brokers are already trained and
registered to assist consumers. Additional assisters and agents and
brokers will complete training prior to November 1. To find local help
or to be contacted by a Marketplace-registered agent or broker,
consumers should go to https://www.healthcare.gov/find-assistance/.
Consumers
in states operating their own Marketplace platform can also enroll in a
2022 Marketplace plan starting on November 1. Consumers in these states
can find information about available plans and prices, how to obtain
in-person or virtual help, and news on local events by visiting or
calling their state’s Marketplace. State-based Marketplace enrollment
deadlines and other information are available in the State-based
Marketplace Open Enrollment Fact Sheet.
To
view the Marketplace 2022 Open Enrollment Fact Sheet for more
information, visit: https://www.cms.gov/newsroom/fact-sheets/marketplace-2022-open-enrollment-fact-sheet
To
view the Plan Year 2022 Qualified Health Plan Choice and Premiums in
HealthCare.gov States landscape report, visit: https://www.cms.gov/CCIIO/Resources/Data-Resources/Downloads/2022QHPPremiumsChoiceReport.pdf
To
see the 2022 Health Insurance Marketplace Public Use Files, visit: https://www.cms.gov/cciio/resources/data-resources/marketplace-puf
To
see the Plan Year 2022 Quality Rating System Public Use Files, visit: https://www.cms.gov/Medicare/Quality-Initiatives-Patient-Assessment-Instruments/QualityInitiativesGenInfo/ACA-MQI/ACA-MQI-Landing-Page
To
see the State-based Marketplace Open Enrollment Information, visit: https://www.cms.gov/files/document/state-exchange-open-enrollment-chart.pdf
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