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Obamacare in North Dakota

Obamacare, Affordable Care Act, and Medicaid are all three interchangeable terms used to refer to Federal and North Dakota healthcare assistance. As of February 22, 2016, approximately 18,171 applicants were selected or automatically re-enrolled in Obamacare health insurance. This means that 86 percent of North Dakota beneficiaries qualified for an average tax credit of $228 per month through the Marketplace. In 2015, 42 percent of North Dakota Obamacare applicants found healthcare coverage for $100 or less per month. In 2016, up to 80 percent of applicants had the option to receive insurance at this cost. Breaking down the total applicants for 2016 further, 9,057 under the age of 35 signed up for Obamacare coverage, which is 50 percent of all plan selections in North Dakota. Twenty-seven percent of all plan selections (4,891 applicants) were 18-34 years old. A broader breakdown of Obamacare in North Dakota is given below.

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

Did North Dakota accept the Obamacare Medicaid expansion?

North Dakota is one of the 31 states, including the District of Columbia, which accepted the Obamacare Medicaid expansion. “What is the expansion of Medicaid?” is answered by North Dakota’s actions. Due to ACA Medicaid expansion, which North Dakota accepted, the number of individuals and families with Obamacare Medicaid eligibility is expanded to those whose family income is 133 percent of the federal poverty line. Obamacare Medicaid expansion details includes a new 80/20 rule, which states participating health insurance companies must spend at least 80 percent of premium dollars on healthcare or coverage, and no more than 20 percent on administration and salaries. Affordable Care Act Medicaid expansion also means that there are no more lifetime limits on health benefits. This is especially good news for people with chronic illnesses or cancer. There are also expanded mental health benefits. So ACA Medicaid expansion cost to states, in North Dakota’s case, has been very beneficial to the state and citizens. Obamacare Medicaid applications have increased the number of people covered by Medicaid/CHIP, from fall 2013 to June 2016, by nearly 20,000 people. “What is the Obamacare Medicaid expansion?” The expansion has enabled more than 35,000 ND residents medical coverage. 

Does the state or Federal government run the health insurance exchange in North Dakota?

“What is the health insurance exchange?” is a frequently asked question. The Obamacare healthcare marketplace is another phrase with the same meaning. The Obamacare health insurance exchange (and healthcare marketplace) refers to websites operated by either an individual state, or the Federal government on behalf of several states. Health insurance exchange regulations will be detailed and explained on both kinds of sites. North Dakota has chosen to use the federal government’s offering of Obamacare. “What is the marketplace for health insurance?” It is the site which allows applicants to easily compare the coverages offered in their community, and the costs of the healthcare coverage that will fit their needs.

Eligibility for Obamacare in North Dakota 

A frequently asked question is, “What are the requirements to apply for Obamacare in ND?” Answering that question requires response to some other questions: “Who is eligible for Obamacare?” Obamacare coverage eligibility requirements stipulate that applicants must reside in the ND county where they apply, as well as U.S. citizens. Furthermore, North Dakota Department of Human Services (DHS) also focuses on children in foster care or subsidized adoption, as well as children with disabilities up to age 19. Other conditions for Obamacare eligibility include women who are pregnant, or have cervical or breast cancer. Other provisions are made for disabled workers and others with disabilities. Those wondering how to qualify for Obamacare must take into consideration Obamacare income requirements.

How to apply for Obamacare in North Dakota

How to apply for Obamacare insurance is a simple matter of the applicant choosing his or her most preferred method of applying. “Can I apply online for Obamacare?” Yes, using the Federal government’s Medicaid website. Finding out how to get Obamacare can also be accomplished by getting the correct paperwork from the county social service office, and then submitting it once it has been completed. With regards to where to apply for Obamacare, simply call or visit the county social service office, or check the Federal government’s Medicaid website. Those who wish to fill out a form can request that one be mailed to them, and upon completion, the applicant will be required to mail it back to the appropriate address. Beyond the places for application already reviewed, the issue of how to enroll in Obamacare is also answered by using the telephone to call the federal marketplace 24 hours a day, 7 days a week.

“What is needed to sign up for Obamacare?” An applicant must bring proof of citizenship or legal alien status, demonstration of North Dakota residency, and paperwork (bank statements, pay stubs, etc.) which demonstrate the applicant’s financial position. In regards to the question “What do I need to apply for Obamacare?” applicants should include any paperwork related to current assets, in addition to the aforementioned financial records.

Health plan cost and availability in North Dakota

Answers to “How much does Obamacare cost?” will vary from state to state and across the state, depending on the population pool and the demographics. Obamacare health insurance price estimates in ND will depend on the level of coverage chosen, the applicant’s subsidy qualifications, the location of the applicant’s residence and the applicant’s age. Obamacare health insurance plans costs are also greatly influenced by whether or not the applicant smokes.

The biggest factor on “How much will Obamacare insurance cost me?” will be the coverage plan chosen. North Dakota’s level of coverage is determined by the percentage of costs the plan provides, the amount the applicant provides and the amounts of deductibles and co-pays that are accepted by the applicant. The North Dakota plans, from lowest to highest, include: bronze, silver, gold, and platinum, which all have varying coverages. Applicants who are 30 or younger have one other option for lowering Obamacare health insurance plans costs by enrolling in a catastrophic plan.