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Obamacare in Oklahoma

Obamacare is also referred to as the Affordable Care Act. The affordable care act has brought quality healthcare to many families in need of serious medical help. As of February 22, 2016, 126,115 Oklahoman beneficiaries were enrolled or selected to be enrolled into the Health Insurance Marketplace, as well as 11 million applicants nationwide.  Seventy-nine percent of applicants who signed on currently receive an average tax credit of around $206 a month, via the marketplace. In addition, 66 percent of OK enrollees obtained coverage for less than a hundred dollars after the applicable tax credits had been used.  To find out more information about affordable healthcare in Oklahoma, take a look at the sections below.

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

Did Oklahoma accept the Obamacare Medicaid expansion ?

What is the expansion of Medicaid in OK? In the states that accepted the Affordable Care Act Medicaid Expansion (ACA), the families that fell below the poverty line by 133 percent on a federal level are afforded the healthcare they desperately need with no costs coming directly from their pockets. Unfortunately many states have not accepted the ACA Medicaid expansion and Oklahoma is one of those states. The ACA Medicaid expansion cost to states was a big reason it was not accepted. However, this leaves Oklahomans with the same medical benefits and plans as before, and those who cannot afford it will have to find other alternatives.

The Obamacare Medicaid Application for OK citizens is available online and at all local and state agencies. The Obamacare Medicaid eligibility is based on several qualifiers, such as county of residence, and the median salary of the applicant. The Obamacare Medicaid expansion is not available as an option, but it is stated that if the expansion were to be in place, around two hundred thousand more applicants would be covered and able to receive its benefits. 

What is the Obamacare Medicaid expansion? The ACA Medicaid expansion costs to the states would be paid for by the federal government for the first three years, then at 90 percent after those three years. Obamacare Medicaid expansion details are available via the OK Marketplace.

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

Consumers wonder “What is the health insurance exchange in Oklahoma?” The new marketplace that was initiated online is called the Obamacare Health Insurance Exchange. The state exchange, which is in partnership with the federal government, is called Insure Oklahoma. This is a federally facilitated and managed digital health insurance marketplace that allows the consumer to be presented with all the competitor prices for healthcare, in their plan, in one place. The Obamacare healthcare marketplace allows for OK consumers to also learn about the various plans and subsidies.

To answer the common question, “What is the marketplace for health insurance in OK?” the marketplace is basically a comparison site for Obamacare and its multitudes of plans. Health insurance exchange regulations have to be strictly followed by insurance companies, ensuring that insurance companies offer the same packages for the same geographical area, no matter which insurance company the applicant ends up choosing. The 80/20 rule means that $.80 cents of every dollar paid to the health insurance companies go to cover the applicant’s medical fees, and not toward business revenues like salaries or marketing ventures. Prices will vary.    

Eligibility for Obamacare in Oklahoma

What are the requirements to apply for Obamacare in OK? The requirements are as follows:

  • You must be a U.S. citizen.
  • You must be a resident of the county where the application was filed.
  • You must provide proof of residency, household and income demographics.

Everyone who is eligible for Obamacare must meet specific requirements set by the state, as well as the costs for the plans, which can vary from county to county and state to state. Federally, the marketplace is run and operated as a statewide healthcare exchange. Many consumers are offered healthcare from employers, and they can elect to stay or adopt a new plan from the exchange. Many consumers are wondering about how to qualify for Obamacare in Oklahoma if they are not below the poverty line. With the Obamacare coverage eligibility requirements, no one will be turned down for medical coverage, and the Obamacare income requirements are solely to determine the premium fee.  

How to Apply for Obamacare in Oklahoma

What is needed to sign up for Obamacare? Most new applicants ask this question, and the answer is documentation. Residents looking for information regarding how to enroll in Obamacare in OK will need to have several forms of identification on them, such as tax papers, pay stubs, and proof of residency in the county they claim. The process on how to apply for Obamacare insurance indicates that each member of the household should be listed, as well as their age, social security card number and occupation. “Can I apply online for Obamacare?” and “What do I need to apply for Obamacare in Oklahoma?” are two of the more commonly asked questions.  Those who would prefer to sign up for Obamacare online can do so as it is the most widely used form for application. Beneficiaries curious about where to apply for Obamacare can call into a state or local agency to connect over the phone with a qualified representative who can help answer any questions about how to get Obamacare, as well as what is needed to apply for Obamacare.

Health Plan Cost and Availability in Oklahoma 

The average Obamacare health insurance plans costs for an individual or family is based solely on income, the plan level, and tier selected. How much does Obamacare cost in Oklahoma?  There are several plans available and only five tiers: catastrophic, platinum, gold, silver and bronze. Catastrophic covers extreme medical instances, but is offered to individuals under 30.  The question most have is, “How much will Obamacare insurance cost me in OK?” An applicant can check online for Obamacare health insurance price estimates to see the projected prices. The gold level plan covers 90 percent of medical fees, and is paid federally, with 10 percent still coming out-of-pocket from the applicant. Each tier decreases by 10 percent, from gold to bronze, which only covers 60 percent. Each Obamacare Health insurance plan costs are based on income. For those living in OK, the average premium offered by the one carrier, Blue Cross, Blue Shield of OK, is $302 for the silver plan. Costs vary, so applicants are urged to use the online calculators for estimates.