Get 'in-line' for health insurance by March 31

Mar 28, 2014

Due to the tremendous response and utilization of the Mountain Projects, Inc. navigators, very few appointments are available between now and March 31.

Navigators and volunteers are working to provide as many appointments as possible to help people sign up for health insurance through the Marketplace.

If a person is unable to obtain personal assistance with a navigator, contact the Healthcare Marketplace at 1-800-318-2596. Or enroll on-line yourself at www.healthcare.gov. This website and 800 phone line is open 24/7 and can complete a telephonic enrollment. Avoid peak times of noon to 8 p.m. if possible. Gather the following information before you call.

  • Estimated 2014 income for the family
  • Social Security numbers for each person included when filing taxes
  • Employer-sponsored insurance coverage information (if available.)
  • Be prepared to be on hold and for the application to take at least 45 minutes, longer for larger families.
  • These are the types of income to include: job, self-employment net income, capital gains, Social Security payments, including disability but not SSI, retirement, pension, etc...

If you are unemployed with no income and are looking for work, you still need to have an application on file because this is the only way you can report a "life change" such as a change in income in 2014. Otherwise you will need to wait until Nov. 15, 2014 for the next open enrollment.

Just like voting, if you have started the process and are "in-line" you will be allowed additional time after March 31 to enroll. But you will have to indicate why you could not complete the process. (weather, errors, website glitches)

The navigators can still help you with enrollment in person after March 31, but you will need to be "in-line" by 11:59 p.m. March 31.

Special enrollment periods are allowed after March 31. Call Mountain Projects, Inc. for an appointment after March 31 at 828-452-1447, ext 115 if you are:

Losing health coverage- Medicaid, group insurance

Getting married or divorced

Awaiting and appeal from the Marketplace

Became a legal resident or citizen

Are no longer incarcerated or detained

Had a baby or adopted and need to add someone to plan

Moved here from another state

Turned 26 and are no longer eligible to be on parent's policy

 

There are many exemptions that keep you from having to pay the penalty, including have income below 100 percent federal poverty level, homelessness, hospitalization, natural or human caused disasters, domestic violence or human trafficking victims; foreclosures, bankruptcy, you live in a state where Medicaid did not expand and you cannot afford to purchase health insurance through the marketplace.

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