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Want to help youth and families understand how to get insurance through the new Health insurance Marketplace, authorized by the Affordable Care Act and launched by the federal government on October 1? An online training from the Centers for Medicare and Medicaid Services can give you the information you need to explain the benefits of the marketplace.
We watched the video (embedded below, so you can watch it, too), and here are a few of the things we learned:
The marketplace enables people to compare plans. Insurance plans listed in the marketplace must cover certain “essential health benefits” across 10 categories, including preventive and wellness services, mental health and substance use disorders, and maternity and newborn care.
People can choose different types of coverage. Marketplace plans fall into one of four categories, with differing levels of cost when it comes to premiums and deductibles. Young people under age 30 and those who cannot afford regular coverage can purchase lower-priced catastrophic plans that cover basic preventive services but have higher deductibles.
More people may now qualify for Medicaid. Part of the Affordable Care Act lets states expand Medicaid eligibility. Not every state has taken advantage of the option, but the new marketplace streamlines the process by reducing the amount of paperwork needed for eligibility and enrollment. Coverage will also be easier to renew from year-to-year, unless an applicant has been flagged by an agency for additional review.