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Obamacare in Indiana

Obamacare is the common term for the Affordable Care Act (ACA), which provides healthcare coverage in Indiana, as well as across the United States for Obamacare applicants who would otherwise find it difficult or impossible to afford health insurance. In Indiana, there are 76,521 residents under the age of 35 who are enrolled in the Open Marketplace, which allows enrolled residents to select healthcare plans or providers under the Affordable Care Act. Obamacare has steadily increased both in Indiana and across the country since its inception. There were 43 separate health plans available under the ACA in Indiana as of 2015, which was a large step up from the 23 options provided for Indiana residents the previous year. More information about Obamacare in Indiana can be found below:

  • Did Indiana accept the Obamacare Medicaid expansion?
  • Does the state or federal government run the health insurance exchange in Indiana?
  • Eligibility for Obamacare in Indiana
  • How to apply for Obamacare in Indiana
  • Health plan cost and availability in Indiana

 Did Indiana Accept the ACA Medicaid expansion?

“What is the expansion of Medicaid?” is a common question asked by potential ACA applicants. The ACA Medicaid expansion is an additional level of assistance that certain states, including Indiana, have accepted from the federal government. Under the Affordable Care Act Medicaid expansion in IN, families receive free healthcare and do not have to pay any fees when they fall 133 percent or more below the U.S. poverty line for their family size. For example, the poverty line for individuals is different from that for families, and various family sizes also have their own annual poverty lines. For a family of four in the United States, the poverty line was a little over $32,000 on average. However, exact figures change annually and vary a little from county to county in Indiana.

Obamacare Medicaid expansion in IN can be applied for by using a standardized application. That Obamacare Medicaid application can be obtained at any Division of Family Resources office in Indiana, and the applications are also available online. Obamacare Medicaid eligibility is not guaranteed for Indiana residents. Interested Obamacare applicants must look into the average salaries in the county where they live. If the family's income is sufficiently lower than the average income for a similar-sized family in the area, the application can be filled out.

What is the Obamacare Medicaid expansion actually useful for? When the Affordable Care Act was first established, Congress quickly determined that it would not be helpful for those that were more than a certain amount below poverty level. Families living in extreme poverty would not be able to afford even the smallest of fees. That's when Obamacare Medicaid expansion details were quickly discussed and a new expansion plan was established to provide free care for those families in states that accepted the expansion assistance.

Thirty states and Washington D.C. accepted the ACA expansion plan. In Indiana, the impact of that expansion was quite large. According to a Gallup poll, 15.3 percent of Indiana residents were uninsured in 2013, but in 2014, only 13.6 percent were uninsured.

The ACA Medicaid expansion cost to states is $9 initially. The federal government pledged to pay for the expansion entirely for the first three years. However, subsequent years will only be 90 percent paid for with federal funds. Indiana must may for the other 10 percent through other means each year.

Does the State or Federal Government Run the Health Insurance Exchange in Indiana?

What is the health insurance exchange in Indiana? There is an online Obamacare healthcare marketplace for each state, which facilitates the enrollment process. This Obamacare health insurance exchange, as it's also known, is a place where Indiana residents can choose their own health insurance plans from the comfort of their own homes. The marketplace clearly lists available plans and subsidies so that Obamacare applicants can find the plan that suits their needs best.

Those who are still wondering “What is the marketplace for health insurance?” can think of it in simplest terms as a comparison shopping website. It is a means of viewing all available Obamacare information for Indiana in one place, rather than visiting many different websites, which could be a much more confusing process. Health insurance exchange regulations are implemented and enforced in the online marketplace. Each insurance company listed there must follow those regulations and adhere to the same guidelines for things like subsidies that they offer. That means that the Obamacare beneficiary can easily compare the similar plans and know that they are all within the guidelines set by the federal government for Obamacare.

Eligibility for Obamacare in Indiana

What are the requirements to apply for Obamacare in Indiana? When it comes to how to qualify for Obamacare in Indiana, there are two basic requirement categories. Obamacare income requirements are only part of the equation. Obamacare coverage eligibility requirements are the other part.

As far as who is eligible for Obamacare, having a low enough income to qualify does not mean that ACA applicants will qualify for any form of assistance. Obamacare assistance applicants must also prove not only that they are U.S. citizens, but also that they are residing in the Indiana county where they are applying for assistance. That means that photo ID cards, birth certificates, proof of income, and proof of residence must all be provided. Additionally, all applicants must list each member of their household and information about each household member, such as their ages and employment statuses.

Obamacare assistance can also be provided in some form, even for those who do not qualify for totally free coverage. Those enrolled in Obamacare who make more than a certain amount of money can still get coverage, but they will have to pay a certain premium, or fee, each time they receive medical care. That fee can vary quite a bit, depending on the Obamacare beneficiary's exact income and other factors.

How to Apply for Obamacare in Indiana

What is needed to sign up for Obamacare? Interested Obamacare petitioners might wonder, “Can I apply online for Obamacare?” and will be happy to know that they can. The online healthcare marketplace previously mentioned allows visitors to start the registration process right on the website. As far as where to apply for Obamacare in person, a variety of state offices can provide the form. Another option for how to enroll in Obamacare in Indiana is that applicants can start the enrollment process over the telephone.

What do I need to apply for Obamacare in Indiana? When it comes to how to apply for Obamacare insurance, applicants cannot amass too many documents. It is far better to have too much information handy than not enough. There are a variety of forms and bits of information that applicants should have handy when they begin Obamacare enrollment. Among those documents are birth certificates, pay stubs, tax returns, and any other documents related to current insurance plans that the applicants have. Candidates may not be able to figure out how to get Obamacare assistance unless they can provide all of those forms and any other information relevant to their identification, income, and residency.

Health Plan Cost and Availability in Indiana

How much does Obamacare cost in Indiana? Obamacare health insurance plans costs vary depending on the income level of the applicants and the exact plan level for which they qualify. Obamacare health insurance price estimates cannot be obtained without choosing a level of coverage. In Indiana, there are four plan levels offered, which are Platinum, Gold, Silver, and Bronze. Platinum covers about 90 percent of an applicant's medical costs, while Bronze only covers about 60 percent, Gold covers approximately 80 percent, and Silver covers around 70 percent. Catastrophic plans are also available for applicants under the age of 30, but they require those enrolled to pay much of their own medical fees up to a certain amount. They are primarily meant, as the name suggests, to help applicants who have catastrophic medical events.

How much will Obamacare insurance cost me?  Obamacare health insurance plans costs are determined by several factors. The Obamacare applicant's income level and geographic location will influence coverage costs. Additionally, the Affordable Care Act was designed to discourage smoking in its applicants. Applicants who smoke may be charged premiums that are up to 50 percent higher than those of similar applicants who do not smoke. Applicants can use tools provided by the online Marketplace to help them estimate what their Obamacare premium costs will be.