What to know about Open Enrollment?
HEALTH CARE AND SOCIAL SECURITY
At all stages (initial, reconsideration and hearing) of a social security disability application we are attempting to show that you are unable to work because of your medical conditions, physical and mental. We show this through reports, medical records and at a hearing your testimony. It is important that there is a medical record of your treatment to document your diagnoses, symptoms and limitations.
On November 1, 2015, open enrollment for the market place health care began. You can update your health insurance, enroll for the first time or change your plan. Unless you have a life changing event, your coverage will begin on January 1, 2016. The last day to enroll or change plans is December 15, 2015.
If you can afford health insurance but chose not to buy it, you will have to pay a fee or have a health coverage exemption. The fee for 2016 is whichever is higher of these two amounts: 2.5% of your yearly household income or $695.00 per person. The maximum family penalty is $2,085.00.
Depending on your household income, you may be eligible for Medicaid. Some states have chosen to expand Medicaid so that Medicaid covers some nonelderly adults and children now. Additionally subsidies are available to help many people afford coverage. A subsidy is financial assistance that helps you pay for something; you don't pay it back. Subsidies are available for people who qualify between 100 and 400 percent of the poverty level. The subsidies are provided in the form of tax credits that lower the monthly premiums, in most cases the money is paid directly to the insurance companies, not the consumer.
Some states, like Minnesota, operate their own exchange https://www.mnsure.org/ . Other states, like Wisconsin, have the federal government operate their exchange. Start at www.healthcare.gov to see what you need to do to obtain health care.