The document discusses the Affordable Care Act and how to apply for health insurance through the Health Insurance Marketplace. It notes that over 50 million Americans are uninsured and that healthcare costs make up 18% of the US GDP. The three main goals of the ACA are to increase access to healthcare through the marketplace, establish new consumer protections like coverage for pre-existing conditions, and improve quality while lowering costs. The document then outlines the four steps to enroll online: setting up an account, filling out an application, comparing plan options, and enrolling. It encourages using the online process but notes there were initial problems with the website.

1. How the Health Insurance
Marketplace Works
How To Apply for Health Insurance Through
the Health Insurance Marketplace
By Howard Chapman, Jr.
November 26, 2013

2. Affordable Care Act (Continued)
Reason for the Affordable Care Act
•Health Care Cost – 18% of U.S. GNP is Spent on
Healthcare (Sweden next at 11%)
•Uninsured
● Over 50 million people in the U.S. (NACHC 2012)
● 1 million people in Virginia (2012 County Health
Rankings at 14% - Families USA The Lewin
Group noted 29.2% in 2004 over 2 million)

3. Affordable Care Act (Continued)
Three Goals
1.Access To Healthcare
● Health Insurance Marketplace
2.New Consumer Protections
● Pre-existing Conditions
● Consumer Assistance

4. Affordable Care Act (Continued)
Goals continued
3. Improving Quality and Lowering
Healthcare Cost
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Free Preventative Care
RX Discounts for Seniors
Protection Against Health Care Fraud
Small Business Tax Credits

6. Online Enrollment
•Most effective method
•We will focus on the Online Enrollment
•Plagued with problems since Day 1
•Improved, but still not fully functional

7. Online Enrollment (Continued)
Step 1: Set up an account
•Visit Marketplace(/marketplace/individual)
•Provide some basic information
•Select user name, password, & security question
*Note: Must have an established email account

8. Online Enrollment (Continued)
Step 2: Fill out online application
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Provide family information that includes:
Income
Household members
Current health coverage information
More
* Note: Households with more than one tax filing must call the
Marketplace Call Center at 1-800-318-2596 (TTY: 1-855-889-4325)

9. Online Enrollment (Continued)
Step 3: Compare your options
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See all the options you qualify for including:
Private insurance plans
Free/low cost Medicaid and CHIP coverage
Compare the premiums and out-of-pocket cost
Provide details on cost/benefits to choose a plan

10. Online Enrollment (Continued)
Step 4: Enroll
•Choose a Plan and Enroll
•Decide How to Pay Your Premium
•Premium Must be Paid Before Coverage Begins
•Family member that qualify for Medicaid/CHIP will have a
representative assist them

11. Thank You and Questions
•Contact Information
Howard Chapman
BUS 302 Business Communication Class
Telephone: 276-494-1143
Email: hchapmanvic13@gmail.com