Thread by @charles_gaba

📣🚨⚠️ REMINDER: YOU ONLY HAVE 5️⃣ DAYS LEFT TO #GETCOVERED IN MOST STATES!!

VISIT HEALTHCARE.GOV *TODAY*!

📣 In most states, you only have until midnight on Saturday, Jan. 15th to enroll!

Exceptions:
--MASSACHUSETTS: You have until 1/23
--CA, NJ, NY, RI: You have until 1/31
--ID: Unless you qualify for a Special Enrollment Period, you already missed the deadline.

📣 Avoid scams, junk plans etc. by only enrolling via an AUTHORIZED #ACA exchange website!

These include either the OFFICIAL ACA exchanges *or* APPROVED 3rd-party brokers such as HealthSherpa, W3LL or StrideHealth.

A list of the official ACA exchanges follows downthread:

CA: CoveredCA.com
CO: C4HCO.com
CT: AccessHealthCT.com
DC: DCHealthLink.com
ID: YourHealthIdaho.org
KY: Kynect.KY.gov
ME: CoverME.gov
MD: MarylandHealthConnection.gov
MA: MAHealthConnector.org
MN: MNsure.org

NV: NevadaHealthLink.com
NJ: GetCovered.NJ.gov
NM: BeWellNM.com
NY: NYStateofHealth.NY.gov
PA: Pennie.com
RI: HealthSourceRI.com
VT: HealthConnect.Vermont.gov
WA: WAHealthPlanFinder.org
All Other States: HealthCare.Gov

FAR MORE PEOPLE QUALIFY FOR FINANCIAL HELP THIS YEAR...AND THOSE WHO ALREADY DID ARE ELIGIBLE FOR FAR *MORE* HELP.

No, seriously: If you've looked into an #ACA plan in the past only to find out you had to pay full price or the subsidies weren't generous enough, TRY AGAIN *NOW*.

⚠️ 2022 is *THE* year to #GetCovered via an #ACA exchange plan! The American Rescue Plan DRAMATICALLY expanded & enhanced ACA financial help.

If #BuildBackBetter goes through, that expansion will be made permanent...but if not, it's a one-time thing, so take advantage of it NOW.

HOW MUCH could you save? Well, the amount varies greatly depending on where you live, how old you are, what your household makeup is and how much you earn, but here's some typical examples: acasignups.net/21/04/02/how-m…

IF YOU'RE ENROLLED "OFF-EXCHANGE" FOR THE LOVE OF GOD SWITCH TO AN *ON*-EXCHANGE PLAN. LIKE, *RIGHT NOW*.

⚠️ Many people enrolled in #ACA-compliant individual market plans (good!) but who did so OFF-exchange (bad!) because *in previous years* they earned too much to qualify for financial help.

Well, THIS YEAR many of them DO qualify...but ONLY if they SWITCH to an ON-exchange plan!

Some states are offering ADDITIONAL savings on #ACA plans!

If you live in CO, CT, MN, MD, NJ, NY, MA, VT or WA, you might qualify for extra savings!

REMEMBER:

--If you earn LESS than 200% FPL (~$26K if single, ~$51K for a family of 4), choose a SILVER plan, which will qualify you for MASSIVE savings on deductibles, co-pays etc.

They're called "Silver CSR 94" or "Silver CSR 87" plans, but I call them #SecretPlatinum plans!

--If you earn MORE than 200% FPL, it gets trickier, but I strongly recommend checking to see if there are GOLD plans which cost the same or even *less* than SILVER plans!

There's a long, dumb story behind this, and it's not available everywhere, but check into it.

Remember the federal #ACA "individual mandate" penalty? Yeah, that's long gone now, but several states have their own financial penalty for residents who don't have healthcare coverage (& who don't qualify for an exception).

CA, DC, MA, NJ & RI residents beware!

WHAT IF YOU ENROLLED ALREADY, BUT IT TURNS OUT YOU CHOSE THE WRONG PLAN?

GOOD NEWS: You can still *switch* to a *different* plan as long as you do so by the final deadline!

If you enrolled in a policy which started Jan. 1st but there are issues with your provider network, drug formulary, etc. you can switch to a *different* plan between now and the deadline in your state.

The new plan will take effect FEBRUARY 1st.

Good news! There's more carriers & plans available than ever before!

Bad news: That means more confusing choices than ever before!

Good news: Visit LocalHelp.HealthCare.Gov for assisters, navigators, brokers or agents near you who can help!

More details on all of this and more can be found here: acasignups.net/21/12/23/getco…