Starting January 1, 2014, new health insurance rules take effect that will require most Americans to have health insurance. Beginning October 1, 2013, everyone can view the new health insurance marketplace website, where you can shop for and buy an insurance plan that works best for you. All marketplace plans must cover doctor visits, prescriptions, emergency room and hospital care, pregnancy, mental health, pre-existing conditions and more.
What you pay depends on your income. Under the new law, if you have a pre-existing condition, insurance companies cannot deny you coverage.
Northeast Missouri Health Council Certified Application Counselor Brenda Mitchell says there are several reasons why many people aren't insured, but the main reason seems to be that insurance coverage isn'tt offered through their employers.
â??Some people have tried to get insurance before and itâ??s been very complicated and confusing,â?? Mitchell said. â??This has been streamlined to make it easy to understand (and there is) no fine print. You compare apples to apples on what kind of plan you want. You get to pick and choose.â??
There is financial help for working families and other people who have limited income.
17.3 percent of the population in Adair County is uninsured, but anyone can apply for an exemption from the mandated health insurance coverage.
Northeast Missouri Health Council will be going to nine different counties helping people who have questions. The nine counties are Adair, Clark, Knox, Lewis, Mercer, Putnam, Schuyler, Scotland and Sullivan.
Northeast Missouri Health Council will also take appointments at 1416 Crown Drive Kirksville, MO 63501.
There is a tool that illustrates health insurance premiums and subsidies for anyone purchasing insurance on their own in new health insurance exchanges (or Marketplaces) created by the Affordable Care Act. Click
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