Thread by @charles_gaba

📣⚠️🚨 REMINDER: YOU ONLY HAVE UNTIL *THIS SATURDAY* TO #GETCOVERED IN MOST STATES!!

VISIT HEALTHCARE.GOV *TODAY*!

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

Exceptions:
--MA: You have until 1/23
--CA, NJ, NY, RI: You have until 1/31
--ID: The deadline already passed unless you qualify for a Special Enrollment Period.

⚠️ 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.

The next 2 tweets link to the official ACA exchanges:

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

MILLIONS MORE PEOPLE QUALIFY FOR FINANCIAL HELP THIS YEAR...& THOSE WHO ALREADY DID CAN GET 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.

Some people will literally save $1,000/month or more.
acasignups.net/21/04/02/how-m…

IF YOU'RE ENROLLED "OFF-EXCHANGE" YOU CAN PROBABLY SAVE THOUSANDS OF DOLLARS JUST BY SWITCHING TO AN *ON*-EXCHANGE PLAN. Usually even the exact same plan, through the same carrier, with the same provider network.

To Explain: Many people enrolled in #ACA-compliant individual market plans, but did so OFF-exchange 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 RIGHT NOW!

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!

"OK, but WHICH plan should I choose?"

Well, I can't answer that for you, but *generally*:

--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 both dramatic premium *and* cost sharing savings.

If you earn < 200% FPL, look for Silver plans with the "CSR" or "extra savings" label.

Officially they're called "Silver CSR 94" or "Silver CSR 87" plans, but I call them #SecretPlatinum plans because they're effectively Platinum plans (extremely low deductibles/co-pays).

What if you earn MORE than 200% FPL (again: ~$26K/yr if you're single; ~$51K for a family of 4)?

That's where it gets a lot trickier; depending on your situation, you might be better off w/Bronze, Silver, Gold or even Platinum. HOWEVER...

...many WHO EARN OVER 200% FPL can find GOLD plans which actually cost LESS than SILVER plans, even though the Gold may have lower cost sharing! In some cases it may cost NOTHING in premiums after ACA subsidies!

Yes, it's a long, stupid story. No, you don't want to hear it.

⚠️ Remember the federal #ACA "individual mandate" penalty? That's gone, but several states have their own financial penalty for residents who don't have healthcare coverage (if they don't qualify for an exception).

CA, DC, MA, NJ & RI residents need to be aware of this!

❓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 1/01/22 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 FEB. 1st.

CAVEAT: Your deductible may reset.

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

Boo! That means more confusing choices than ever before!

Hooray! Visit LocalHelp.HealthCare.Gov (or the equivalent for your state's exchange) 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…

P.S. If you find this info useful & want to support my work, you can do so here, thank you! acasignups.net/support