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Obamacare in Kansas

In 2010, the Affordable Care Act (ACA), better known as Obamacare, was put into effect in order to provide better healthcare choices to Americans, and those in Kansas, of all income levels. Nationwide, consumers with quality insurance have been increasing significantly while the number of Americans who are uninsured has declined. The benefit of Obamacare is especially noticeable to KS citizens who were refused insurance coverage in the past due to pre-existing health conditions. Other discrimination issues such as women paying more than men for insurance were also addressed through the ACA program. For additional information about Obamacare in KS, review the topics covered below:

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

Did Kansas Accept the ACA Medicaid Expansion?

What is the Obamacare Medicaid expansion in KS? This federally assisted program is intended for citizens who have incomes less than 133 percent of the federal poverty level. The Affordable Care Act Medicaid expansion has been accepted by over half of the states, but not all. In states where the ACA Medicaid expansion was not accepted, the individual state determines the Medicaid eligibility rules.

What is the expansion of Medicaid in KS? This program was designed to correct discriminatory issues and poverty issues with Medicaid. The Obamacare Medicaid expansion enables residents to qualify for low or no cost insurance regardless of previous health issues and changed it so that there are not differing costs according to sex. The expansion program, as of February 2016, has not been accepted by Kansas. Since the Obamacare Medicaid expansion details in KS have not been accepted, residents need to learn what the Kansas Medicaid eligibility requirements are instead.

The ACA Medicaid expansion cost to states which do accept the program is zero percent for the first three years. The cost going forward would be no more than 10 percent, with the rest being covered by federal funding. Kansas residents cannot use an Obamacare Medicaid application since the expansion was not accepted. Instead, they would have to apply for Medicaid in Kansas or one of its other low income programs. If Kansas later accepts the program, Obamacare Medicaid eligibility would apply to all residents of this state with all of its benefits.

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

What is the health insurance exchange in KS? The Affordable Care Act (ACA) created a marketplace online to allow citizens to apply for health insurance plans. All the insurance programs on the site match ACA standards and requirements. The Obamacare health insurance exchange in KS allows residents to find the right quality health insurance to meet their own needs and affordability. Citizens can then apply through the exchange and find out what subsidies they may qualify for.

What is the marketplace for health insurance in Kansas? The Obamacare healthcare marketplace provides choices, information about insurance programs and assistance when applying for services. All the insurance programs offered must align with health insurance exchange regulations, including any subsidies established by the state in which the citizen resides. Kansas chose not to use the healthcare marketplace for their insurance programs.

Eligibility for Obamacare in Kansas

What are the requirements to apply for Obamacare in Kansas? Applicants have to be a US citizen, need to be a resident of the county where they are applying, and must provide income and household information. Who is eligible for Obamacare? Any citizens who live in any of the states that have accepted the Obamacare program and meet the income level requirement are eligible.

For a KS resident to learn how to qualify for Obamacare, they need only compare their household income to the federal poverty income level. If the income is above the level, residents may still qualify, but with a higher cost. The Obamacare income requirements determine how much beneficiaries must pay out of pocket and how much of a subsidy they can qualify for. As long as they meet the eligibility and income requirements, citizens may qualify. Kansas Obamacare coverage eligibility requirements also allow for certain exemptions and circumstances.

How to Apply for Obamacare in Kansas

The government has made the question of “How to apply for Obamacare insurance” easy to answer with multiple choices. Applicants can apply online through the Health Insurance Marketplace or seek in-person assistance through local offices for healthcare. Another way to apply is by phone. Citizens may also obtain an application and mail it in along with documentation needed to support the application information. With so many choices on where to apply for Obamacare, residents should find it to be an easy process.

What do I need to apply for Obamacare? Any information provided on the Obamacare application will require supporting documentation to prove it. Look at the actual application instructions to see what is needed to sign up for Obamacare. Here are a few of the items needed:

  • Proof of residency
  • Social security cards or numbers for each household member
  • Tax returns for the previous year
  • Insurance plan numbers and information
  • Employer contact information
  • Projected income for the current year

Can I apply online for Obamacare? It is easy to apply online for Obamacare. The instructions on how to get Obamacare explain each step of the process and what applicants will need to provide for information and documents. Be sure to fill out all the information requested and submit documents per the instructions.

Figuring out how to enroll in Obamacare is fairly straight forward. Answer each question honestly and submit the application with the required documents. The application can be submitted online or through the mail when completed. Citizens who prefer to apply by phone may do so. Another method is to seek in-person help from a local healthcare agent such as the finance department in some hospitals.

Health Plan Cost and Availability in Kansas

How much does Obamacare cost the beneficiary in KS? The Affordable Care Act (ACA) reduced many healthcare costs since its implementation in 2010. Many preventative services no longer cost the beneficiary for the copay or deductibles. The prescription drug program offered discounts, lowering costs to the beneficiary. On average, Kansas beneficiaries saved an average of over $800 in 2014 on their prescription costs. How much each beneficiary pays for Medicaid in Kansas varies by their income level and which plan was used.

How much will Obamacare insurance cost me in Kansas? There are various services offered through Obamacare, so Obamacare health insurance price estimates in KS depend entirely on which service is chosen. Obamacare provides various tiers of insurance such as Bronze, Platinum, or Catastrophic, each with varying degrees of coverage. The cheapest plan is the Bronze plan, which also provides the least coverage. Most expensive is the Platinum Plan, covering the largest portion of costs. For beneficiaries under the age of 30, the Catastrophic plan has low premiums but high deductibles.

Obamacare health insurance plans costs will ultimately depend on which plan is chosen, what subsidies a citizen qualifies for, and household income.