If you have asthma or allergies, it is important to have health insurance. Medicines, lab tests, lung function tests and visits to see a specialist all add up. What do you need to know about your insurance options during open enrollment this year?
Open enrollment refers to when you can add, change or switch health insurance. For people who get health insurance through work, your employer and the insurance company set the dates for open enrollment periods.
IMPORTANT: For people getting health insurance through the Health Insurance Marketplace (Healthcare.gov), open enrollment starts on Nov. 1, 2018 and ends Dec. 15, 2018. Coverage begins Jan. 1, 2019.
The Affordable Care Act (ACA) makes health insurance more affordable and available to those without insurance benefits through their employer, Medicare, Medicaid or another source. It includes other important provisions for people with allergic diseases. For instance, if you buy a Healthcare.gov Marketplace plan, you cannot be denied because you have a pre-existing condition, such as asthma. It is important to understand the changes to this year’s Marketplace.
How Do I Enroll in a Health Insurance Plan?
If your job offers health insurance benefits, you will need to follow your employer's instructions on how to enroll.
If you do not have health insurance benefits from your employer, or if you are uninsured, you can apply through the Marketplace. You can preview and compare plans before you choose a plan.
Here is a checklist of what information to have on hand to help you make a decision:
- Your household size
- Who in your household should apply
- Home and/or mailing address for everyone needing coverage
- Information about everyone needing coverage, like birth dates and Social Security Numbers
- Information about any professional person who is helping you apply
- Income tax information
- Income information, such as pay stubs and W-2s
- Policy numbers from your current health care plans
- Estimated household income in 2019
- Completed "Employer Coverage Tool" if anyone in your household can get insurance through an employer
- Notices from your current Marketplace plan, if you had one for 2018
- Documents for legal immigrants in your household
If you had Marketplace coverage last year, find out if you are set up for automatic re-enrollment. Even if you are, consider shopping for a new 2019 plan. You might find a new plan that offers better savings.
If you don’t update your application and choose a plan by Dec. 15, 2018, you may be automatically enrolled in a 2019 plan. Log in during the enrollment period, update your application and review your plan options for 2019.
The Marketplace site will ask you about how much health care you think each person in your house will need next year – low, medium or high. It will give you a list of plans to compare. You can filter the plans by the medicines you take, or if your health care providers are in the plan’s network.
What Is Important to Consider If I Have Asthma or Allergies?
- Are my current health care providers in-network, such as your primary care doctor and your specialists?
- Does the plan include care from an asthma and allergy specialist?
- What medicines are covered by the plan? Look for the drug list or formulary.
- Is a referral required to see a specialist? Be aware that the number and type of plans will vary by states. Some states may have a wide choice of plans. Others may offer a health maintenance organization (HMO), which may require you to get a referral to see a specialist.
- What kind of treatments for asthma or allergies are covered by the plan?
- Will the plan pay for more advanced treatments, or will it limit the kind of treatment I can receive?
- Does the plan cover tests for diagnosing asthma or allergies, such as lung function tests and skin prick testing?
- Will the plan cover medical devices such as spacers and nebulizers?
- Does the plan offer an asthma management program? Under “Details,” you can see if the health insurance plan covers asthma management. Many plans do. Asthma management programs may include a nurse hotline, help identifying your asthma triggers, assistance understanding your medicine or using equipment like nebulizers and spacers.
What Are the “Metal” Categories in the Health Insurance Marketplace?
ACA plans fall under the categories of Bronze, Silver, Gold and Platinum. The levels have nothing to do with quality. They refer to how you and your insurance plan split costs, known as cost-sharing.
Consider Silver if you qualify for extra savings on out-of-pocket costs, or if you want more of your costs covered.
- If you qualify for extra savings (“cost-sharing reductions”), your deductible will be lower and you’ll pay less each time you get care. These extra savings are only available through the Silver plan. This can save you hundreds or even thousands of dollars a year if you use a lot of care. Silver carries moderate premiums and deductibles.
- While a Silver plan may have a monthly premium that’s higher than a Bronze plan’s premium, be sure to consider the total cost of your medical care. Your total costs include not just monthly premiums but the payments you make when you get care.
- If you have a Silver plan and qualify for extra savings, the deductible can be thousands of dollars less than a typical Bronze plan’s deductible. So you may end up spending less on health care overall if you enroll in a Silver plan.
Consider Gold or Platinum if you expect a lot of health care visits or need regular prescriptions.
These plans generally have higher monthly premiums but pay more of your costs when you need care.
What Are Advance Premium Tax Credits?
Advance premium tax credits (APTC) can help lower the cost of your monthly premium. Whether or not you qualify depends on your household size and household income.
When you apply for coverage through Healthcare.gov, you will find out instantly if you qualify for this credit or not.
For example, this comparison shows an estimated cost for a Silver plan for a hypothetical 55-year-old woman in Arizona with low income ($22,000) who qualifies for the APTC:
The government may pay your tax credit directly to the insurance company, lowering the cost of the monthly premium that you pay out of pocket. Or you may choose to pay the full premium amount and get a refund at the end of the year.
What If I Have Low Income?
When you apply for coverage, you will also find out if you qualify for:
- CHIP (the Children’s Health Insurance Program)
Both provide free or low-cost health coverage for some people, including low-income adults, children, pregnant women, seniors and people with disabilities. Medicaid provides insurance to more than 70 million Americans.
These programs may be known by different names in each state.
I Have Insurance Through My Job. Should I Look at the Marketplace?
You can, but the Marketplace is intended for people without health insurance. Since the ACA was passed, job-based health insurance must meet certain standards. You will pay full price for a Marketplace plan unless your coverage through work does not meet those standards.
Should I Buy “Catastrophic” Coverage, Short-Term Insurance or Hospital-Only Coverage?
These options may look like health insurance, but they do not meet the minimum standard for ACA plans or job-based health plans. For instance, they will not include prescription medicine or preventative care, both of which are important for people with asthma and allergies. For more answers to these types of questions, see this resource from the Kaiser Family Foundation.
Will I Pay a Penalty If I Don't Buy Health Insurance?
Beginning with 2019, you will no longer have to pay a tax penalty if you are uninsured. But you might still be subject to a state tax penalty.
How Can I Get More Help While Applying?
Enter your zip code or city and state and get connected to someone who can help you locally.
Where Can I Learn More?
AAFA’s advocacy resources has more details about health care coverage and insurance issues, including Medicaid, Medicare and CHIP.
MyHealthPlan offers information about how insurance works.