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bjc health marketplace open enrollment 2018

Marketplace At-A-Glance

If you’re new to the Marketplace, here are the basics.

1. The Marketplace is for people without health coverage.

  • If you don’t have health insurance through a job, Medicare, Medicaid, the Children’s Health Insurance Program (CHIP) or another source of qualifying coverage, the Marketplace can help you get covered.
  • If you have job-based insurance: You can buy a Marketplace plan, but you’ll pay full price unless your job-based insurance doesn’t meet certain standards. Most job-based plans do.
  • If you have Medicare: You can’t switch to Marketplace insurance, use a Marketplace plan as a supplement or buy a Marketplace dental plan.

2. What you pay for insurance depends on your income — and you’ll probably save.

  • Your savings depend on your expected household income for the year. Over 8 in 10 people who apply are eligible for lower premiums.
  • You may qualify for a premium tax credit that lowers your monthly insurance bill, and for extra savings on out-of-pocket costs like deductibles and copayments.
  • The plans are offered by private insurance companies with a range of prices and features. All plans cover:  
    • Essential health benefits
    • Pre-existing conditions, including pregnancy
    • Preventive care
    • You can add dental, but you don’t have to. You can’t buy a dental plan unless you enroll in a health plan.

3. You can apply for coverage in the following ways:

  • Online at healthcare.gov
  • By phone at 800.889.4325 or 855.747.4994
  • With help from a BJC Certified Marketplace Counselor
  • Using these forms

4. Open Enrollment for 2019 coverage runs through December 15, 2018. After December 15, you can enroll in 2019 health insurance only if you qualify for a Special Enrollment Period or if you qualify for Medicaid or CHIP.

Free help is available from BJC HealthCare

Call 314.747.4994 or 855.747.4994 from 8 a.m. - 5 p.m. to make an appointment with a Certified Marketplace Counselor.

4901 Forest Park Avenue
St. Louis, Missouri 63108
314.286.2000
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