10 Things Uninsured Texans Should Know Now

May 14, 2014

Insurance can be complex, so it’s good to stay on top of what’s available in terms of good, low-cost options and your rights as a health care consumer. Now that the first open enrollment period under the Affordable Care Act has closes, here are 10 things worth knowing.

1. Financial help is bringing down health insurance costs.

Most uninsured people want good health coverage but think they can’t afford it. But peace of mind may be more affordable than you thought: 84% of Texans who just enrolled in health insurance got financial assistance (tax subsidies, credits, and other breaks) that reduced their costs. Some folks pay as little as a few dollars—or even a few cents—per month for really good coverage. This calculator shows what the price could be for you.

2. Remaining uninsured could lead to a fine.

People who have health insurance won’t notice a change, but uninsured families could face a fine when they go to pay their taxes in 2015. Getting insured sooner would reduce the fine, so it’s good to know that . . .

3. If something big just happened in your life, you may be able to get covered right now.

March 31 was the deadline to sign up in the Health Insurance Marketplace, but people experiencing big life events have another chance. For example, there is a 60-day window to enroll after you:

  • have a baby or adopt (not just for the child; everyone in the family can get insured);
  • get married or divorced;
  • lose your health insurance, for example, through your job (and the Health Insurance Marketplace is probably a better deal than COBRA); or
  • move to a new coverage area (a move within the neighborhood probably wouldn’t qualify; one to a new city might).

4. Many kids can get insured year-round.
Families whose kids qualify for CHIP and Medicaid can sign up any time of year here.

5. Young adults have new coverage choices, too.

Through age 25, kids can stay on their parents’ health plans. Also, graduating students who had coverage through their school may be eligible to enroll in the Marketplace. About half of single young adults can find plans for $50 or less per month.

6. Turning 26 is now an insurance milestone.

If you were on your parent’s plan and lost coverage, turning 26 is a chance to get signed up in the Marketplace. (Tell friends born in ’88 the news.)

7. Today’s plans cover more.

Nowadays health plans have fewer loopholes. Preventive care—from well-child visits to mammograms—are covered, as are pre-existing conditions. From mental health to prescriptions to things like breastfeeding supports, things that may have been expensive add-ons in the past now typically come standard, sometimes with little or no out-of-pocket cost.

8. You can get help for free from experts.

Assistance to walk you through your options for enrolling can be found online at Healthcare.gov, by calling the toll-free hotline, and at sites such as clinics with in-person helpers.

9. Newly insured? To stay covered, you have to pay your premium every month.

This may sound obvious, but with many job-based plans, you don’t have to think about premiums since they just come out of your paycheck. If you’re among the 740,000 Texans who signed up for a Marketplace plan, though, you’ll need to treat health insurance like any other monthly bill, and submit payment every month to remain insured.

10. Already insured? Families who aren’t could use your help.

If you’ve read this far and you have health insurance yourself, I’m going to guess that you may be the type of person who cares about this issue and may be motivated to help the uninsured. Volunteers are needed to help spread the word about health care, to assist with enrollment, and more. Learn more here or drop us a line about how you’d like to get involved.

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