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Obamacare In Ohio

As of February 22, approximately 234,341, Ohio healthcare beneficiaries actively enrolled in, or were automatically enrolled in the healthcare program that was called The Affordable Care Act, commonly called Obamacare. Nationwide, over 11 million consumers selected and received the new Affordable Care Act. The average tax credit realized in Ohio was $244 per month, and 84 percent of candidates were eligible to receive that tax credit.   The enrollment window for 2015 is closed, but the enrollment for 2016 is open from November 1st until December 31, 2016. To find out more information about affordable healthcare in Ohio, take a look at the sections below. 

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

Did Ohio accept the Obamacare Medicaid expansion?

What is the expansion of Medicaid? The Affordable Care Act Medicaid expansion was an additional level of coverage offered by the federal government for healthcare coverage. Thirty states have taken advantage of this expansion while others have elected to refuse the expansion. Ohio was one of the states that accepted the Affordable Care Act expansion. The Obamacare Medicaid expansion in OH can be applied for by using a standardized Obamacare Medicaid application online or at any Division of Family Resources Offices. Applicants must keep in mind the average salaries in the county they reside in, as this will affect their Obamacare Medicaid eligibility. If a family’s income is 133 percent lower than the Federal Poverty Level in the county, they are eligible for enrollment in the ACA Medicaid expansion.  

The ACA Medicaid Expansion has allowed approximately 11 million people to enroll nationwide in Medicaid and CHIP.  To boot, 5.8 million Ohioans have received CHIP coverage or Medicaid since the Health Insurance Marketplace first opened enrollment in January 2015.

What is the Obamacare Medicaid expansion in Ohio?  When the Affordable Care Act initially launched, Congress realized there was a select group of people that were “slipping through the cracks” of the healthcare system. Many families were left without the means to pay for medical services. Details of the Medicaid expansion were put into motion and eventually the Obamacare Medicaid expansion came into being. All ACA Medicaid expansion costs to states were handled by the federal government for the first three years, with the state government providing funding for 10 percent thereafter. In general, Obamacare Medicaid expansion details include the ways, means, and measures for making certain that all Ohio residents have access to quality healthcare at an affordable price.

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

For those wondering “What is the health insurance exchange in Ohio?” it is a digital marketplace federally run and monitored by the federal government to offer comparative prices on health insurance. What is the marketplace for health insurance in Ohio? The Obamacare health insurance exchange marketplace for health insurance is also referred to as the Obamacare Healthcare. The Ohio Marketplace is a comparison shopping site for health insurance, which is federally run by the government. The Obamacare healthcare marketplace exchange is where Ohio residents can compare coverage plans from every covered OH insurance provider from the comfort of their own home. Health insurance exchange regulations assure that each insurance company listed must follow these regulations and offer similar packages and plans. Ohio utilizes the federally facilitated platform, but is also one of several states that also participate in the QHP (qualified health plan).  Ohio residents can enroll in a healthcare plan, or Medicaid through this exchange. 

Eligibility for Obamacare in Ohio

What are the requirements to apply for Obamacare in Ohio? There are two required categories that each applicant has to remember when figuring out how to qualify for Obamacare in Ohio. There are the Obamacare income requirements as well as the Obamacare coverage eligibility requirements that potential applicants need to be aware of.

Who is eligible for Obamacare? In short, most Ohio residents are qualified for Obamacare, however, not everyone will qualify for a tax credit or subsidy.  In order to be eligible, the applicant needs to prove his or her identification as well as provide proof of residency in their Ohio county. Applying households must retain U.S residency, with each member of the household listed out, including Social Security numbers. When listing family members, make sure to put down their ages and employment status.

In general, Ohio applicants for Obamacare need to meet this criteria:

  • Be a U.S. citizen, and resident of Ohio
  • Applicants cannot be incarcerated at the time of applying
  • Applicants are not currently receiving Medicaid or Medicare

 How to Apply for Obamacare in Ohio

Many applicants ask, “Can I apply online for Obamacare?” and the answer is yes. Registration can be initiated online, and is one of the quickest ways to compare plans. For those wondering what is needed to sign up for Obamacare, applicants will need to gather some documentation.

What do I need to apply for Obamacare in OH? Applicants, whether applying in person, by phone, sending through the mail or using the online marketplace, will need to have the following items available:

  • Photo ID
  • Medical records
  • Social security card
  • Pay stubs or tax returns
  • Information about the household

If an applicant would rather apply in person, he or she may wonder where to apply for Obamacare in Ohio. Many residents opt to call the state offices and complete the enrollment process over the phone. These trained navigators can assist applicants and show them how to enroll in Obamacare in OH. 

Ohio residents wondering how to get Obamacare, and which application method is the best, should consider which method is the easiest for them, and which application method is likely to yield the best results for their healthcare needs. Applicants should note that November 1st is open enrollment for all OH residents. Those applicants who prefer assistance or information on how to apply for Obamacare insurance can call the OH Marketplace hotline to receive help in filling out the application, or to answer any questions that might arise.

Health Plan Cost and Availability in Ohio

The question “How much does Obamacare cost in OH?” is commonly asked. Obamacare healthcare insurance plans costs vary from person to person, depending on the county and income of the applicant, as well as the plan selected. For Ohio there are four plan types: Platinum, Gold, Silver, and Bronze. The Platinum plan resides at the top, and covers up to 90 percent of the medical costs. The Bronze plan only covers up to 60 percent. Catastrophic insurance is offered to individuals under the age of 30. Children may remain on their parents’ plan until the age of 26, however.

The key question OH consumers want to know is, “How much will Obamacare insurance cost me?” Obamacare health insurance plans costs can be decided by several key factors:  income and geographical location in the county. However those who smoke are more likely to pay up to fifty percent more for Obamacare than non-smokers. You can check Obamacare health insurance price estimates by researching online. Ohio offers its residents 15 insurance carriers. The average premium, after subsidies, will cost $350 for a family of 4 selecting the silver plan.