Healthcare Coverage is mandatory for all residents, but the enrollment and renewal process can be confusing and sometimes frustrating. We’re here to help! Open Enrollment is the time of year when you can enroll or renew coverage for Washington Apple Health (Medicaid) or into a Qualified Health Plan. The Open Enrollment Period is November 1, 2015 to January 31, 2016. If you sign up by December 15th, coverage begins January 1st. The penalty fee for not having insurance has increased this year. If you don’t sign up for health insurance coverage in 2016, you may have to pay a penalty ($695 per adult, $347.50 per child – up to $2,085/family or 2.5% of family income, whichever is higher). You will have to pay the fee on the federal income tax return when you file.
Most individuals and families who enroll through Washington Healthplanfinder receive financial help to pay for their coverage. Depending on how much you earn, you can qualify for a free or low-cost health plan or be eligible for financial help that can lower the cost of your premiums and co-pays. For example; a family of 4 making 40,000 a year may qualify for a Tax Credit of $400 per month to purchase a Qualified Health Plan. Washington Apple Health, Medicaid, eligible individuals and families may sign up anytime during the year.
There are many options and there can be many questions. The Lopez Island Family Resource Center has trained assisters to help individuals and families navigate the enrollment process. If you need to renew your coverage and are not sure of your options please feel free to contact the Lopez Family Resource Center at 468-4117. Staff are available to answer questions and help you fill out the required applications. All inquiries are confidential and applications can be renewed over the phone! Plan to set aside 30 minutes for a phone interview and application process.
