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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. If you need more help, visit the official Marketplace Glossary of Terms.

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: A Marketplace health or dental plan is not available to you.

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 2020 coverage runs through December 15, 2019. After December 15, you can enroll in 2020 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

Request an appointment now or call 855.747.4994 between 8 a.m. – 5 p.m.

4901 Forest Park Avenue
St. Louis, Missouri 63108
314.286.2000
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