The open enrollment period for 2021 health insurance coverage through marketplaces and other individual plans is here and runs through Dec. 15, 2020. The Indiana Department of Insurance offers tips to help guide you through the enrollment process.
Consumers in Indiana who currently have marketplace coverage, or will need it in 2021, should make time to shop for plans through Healthcare.gov. If you already have coverage through a marketplace plan, review your information to make sure it is accurate. You can update your application with any income and/or household changes. You might qualify for a different amount of financial assistance or find a different plan that costs less and/or better meets your needs.
The NAIC’s Health Insurance Shopping Tool can help you understand how different policies support your health care needs. The tool provides a 3-step process to compare different health insurance policies.
What to Look For
If your plan is no longer available in 2021, you should receive a notice from your insurer and the marketplace. Even if your plan is continuing, it pays to shop around and check whether the doctors and/or hospitals your family uses are in the plan’s networks.
If you’re looking for a new plan, there are three categories of health insurance plans to choose from on the marketplace — Bronze, Silver and Gold. They’re broken up by how costs are shared between you and your insurer. Another category, Catastrophic, is available for consumers under 30 years of age or who face a hardship in accessing the other plans. Learn more about the different plans and network types.
If you need assistance, a certified Indiana navigator can assist you with the process to apply for your health insurance. You may work with an Indiana Navigator in any county in Indiana free of charge. Find a Navigator in your area.