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Obamacare in Iowa

As of 2016, Iowa has approximately 45,000 consumers that are enrolled in the Affordable Care Act, more commonly referred to as Obamacare. Enrollment in Iowa is up nearly 25 percent from the previous year, and over 11 million Americans were able to select a plan and enjoy health care benefits, many for the first time. Although Obamacare is a national program, there are differences that exist from one state to the next. More information about Obamacare in Iowa is presented in the following sections:

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

Did Iowa Accept the Obamacare Medicaid Expansion?

The Affordable Care Act Medicaid expansion has been accepted in most states, including Iowa. Many states who did not elect to adopt the Obamacare Medicaid expansion disagreed with the ACA Medicaid expansion cost to states, since states would have to find ways to pay for the additional coverage after the initial three-year probationary period. Since applicants are eligible in IA, they are encouraged to look at the Obamacare Medicaid expansion details in Iowa to learn more about the additional coverage. Of particular note to Iowa residents is the Obamacare Medicaid eligibility requirements. The Obamacare Medicaid application asks about income to determine your eligibility status, and the required income level is based on the median salary within each individual county. With expanded Medicaid coverage, it is possible for low-income applicants to automatically qualify for coverage. In Iowa, anyone with a household income that is below 133 percent of the federal poverty level will automatically qualify for Medicaid coverage.

For those residents who are wondering, “What is the Obamacare Medicaid expansion in Iowa?” the expansion was designed to assist applicants who might have normally been unable to obtain insurance coverage with doing so. Some applicants were denied because of their income, while others were denied because they had preexisting conditions. However, low-income applicants are not the only Iowans who will benefit from the ACA Medicaid expansion in IA. Those applicants who do not qualify for subsidies will benefit, as the program will cover those who are not currently covered by other government programs.

What is the expansion of Medicaid intended to do in Iowa? Anyone paying taxes in Iowa ends up benefitting from the expanded plan. In the past, states had to pay for the treatment of residents who did not have insurance. With the expansion, the tax burden for covering the uninsured will be lessened in the long run.

Does the state or federal government run the health insurance exchange in Iowa?

What is the marketplace for health insurance in Iowa? The Obamacare health insurance exchange is where applicants can go to look for insurance plans. Many who are new to the system often ask, “What is the health insurance exchange, and how does it work?” The Obamacare healthcare marketplace in IA uses online price comparison websites to look at different health insurance plans. The marketplace also helps applicants in IA receive federal assistance and informs them about possible exemptions, as well as the minimum essential coverage they are entitled to.

In Iowa, the health insurance exchange is run by the federal government. Iowa has a partnership exchange with the federal government, which gives the state a few responsibilities. On the state level, Iowa is responsible for plan management, consumer assistance and Medicaid eligibility determination. Iowa state workers provide education and outreach, but the federal government manages the websites and call centers. The federal government is also responsible for health insurance exchange regulations in Iowa.

Eligibility for Obamacare in Iowa

“Who is eligible for Obamacare in Iowa?” applicants may ask, along with, “What are the requirements to apply for Obamacare?” Fortunately, the Obamacare coverage eligibility requirements are fairly straightforward. A great deal of the eligibility is based on Obamacare income requirements for applicants in each Iowa county.

When determining how to qualify for Obamacare in Iowa, new applicants must first read through the eligibility requirements. While each county can require additional qualifications, in general, applicants have to be legal United States citizens, they cannot currently be incarcerated, and they need to have their primary residence in Iowa. When applying for Obamacare, applicants are required to list their yearly income and any existing medical conditions. Based on this information, applicants might be eligible for discounts, and in some cases, they might not have to pay anything in order to receive health coverage.

How to Apply for Obamacare in Iowa

What is needed to sign up for Obamacare in IA? Applicants wondering how to apply for Obamacare insurance will be happy to know that there are several options available. Many new applicants ask, “Can I apply online for Obamacare in Iowa?” and the answer is yes. Applicants can easily access the health insurance exchange online to search for insurance coverage. It is also possible to enroll over the phone, by mail, or by getting assistance from trained agents. If you are unsure about how to enroll in Obamacare, getting in-person help is the most suitable option. Regarding where to apply for Obamacare in Iowa, applicants can easily search online to find the nearest Navigator Agency, which can help anyone who still does not know how to get Obamacare in IA.

Concerning the question, “What do I need to apply for Obamacare in Iowa” applicants will find that the application requires only basic information. Candidates will have to list any major qualifying life events and when they occurred. Some of these include having a child, getting divorced, recently becoming a U.S. citizen, losing previous health coverage, etc. The most important aspect of learning how to apply for Obamacare insurance is being able to provide this information. Applicants then have to list their contact information, household size and their annual household income amount. After that, petitioners will be shown a list of possible plans and discounts that they may be eligible for.

Health Plan Cost and Availability in Iowa

Applicants commonly ask “How much will Obamacare insurance cost me in Iowa?” So if you are asking yourself, “How much does Obamacare cost in my state?” know that you are not alone. The health insurance marketplace offers some Obamacare health insurance price estimates based upon the yearly household income of the applicant. In Iowa, there are currently 23 health plans available. Fifty-six percent of enrollees in the marketplace are able to obtain coverage for $100 or less after receiving deductions based on income or preexisting medical conditions. Iowa Obamacare health insurance plans cost a good deal, depending on the one you choose and the type of coverage it offers. The most expensive coverage is the platinum plan, which covers 90 percent of health care costs. Gold plans offer 80 percent; silver plans offer 70 percent; and bronze plans offer 60 percent coverage.  It is also possible for anyone under 30 to purchase a cheaper plan with less coverage, known as a catastrophic plan.

Wellmark Blue Cross and Blue Shield will be added to the carrier networks, which currently include Aetna, Gunderson and Medica, and will be available in 47 out of the 99 counties, with Mercy Health Network being the largest exchange option. In 2016, premiums, before subsidies, averaged $425 a month, but the average after subsidies was $122 a month for those who qualified.