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Obamacare in Oregon

As of 2016, there are 112,024 beneficiaries that rely on the Affordable Care Act, also known as Obamacare, for health insurance coverage. The Affordable Care Act introduced many changes to the way that healthcare works. For example, parents are able to share their insurance plans with their children until they turn 26. This has led to over 20,000 beneficiaries receiving insurance care when they previously would have had none. The Affordable Care Act has also done a lot to change the way that applicants pay for insurance. It also helps applicants that have existing medical conditions ensure that they are never denied an insurance plan because of their condition. More information about Obamacare is presented in the following areas:

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

Did Oregon Accept the ACA Medicaid Expansion?

What is the Obamacare Medicaid expansion? The Obamacare Medicaid expansion is something that states can choose to implement alongside other Obamacare policies. What is the expansion of Medicaid and what does it change in Oregon? Oregon is one of many states that has accepted the Medicaid expansion coverage, which changes the way that applicants are able to qualify for Medicaid. There are a few Obamacare Medicaid expansion details that applicants will want to know about. The biggest change comes from Obamacare Medicaid eligibility, which is reflected on the Obamacare Medicaid application in Oregon.

Under the ACA Medicaid expansion, OR applicants are automatically eligible for Medicare if their yearly income is 133 percent under the federal poverty limit. This is dependent on the size of the family. For example, a family of four would have to make roughly under $33,000 in order to be eligible for the Medicaid expansion.

One concern was the ACA Medicaid expansion cost to states, which is why there are some states which have chosen not to accept the plan. The federal government has taken a few steps to offset the cost to states. For example, Oregon has received over $300,000,000 in grants for research, planning, and technology development for the purpose of Obamacare. There is also the 80/20 policy, which states that health insurance providers have to spend 80 cents for every dollar in profits on improving the quality of health insurance. All of this is designed to keep the states from having to raise taxes or shuffle around funds just to cover the different insurance costs introduced by the Affordable Care Act Medicaid expansion in Oregon.

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

A common question is, “What is the marketplace for health insurance in Oregon?” Oregon uses something that is known as the Obamacare health insurance exchange to sell health insurance plans. What is the health insurance exchange in Oregon? The health insurance exchange is a website that has a collection of all the insurance providers in Oregon, and it details what kind of plans each of those providers offer. The Obamacare healthcare marketplace is also where applicants can go to get more information about various discounts and tax credits for which they may be eligible.

The state is given the option of managing its own health insurance exchange, or letting the federal government do it for them. In previous years, Oregon had ran its own health insurance exchange. Unfortunately, there were some technical issues with the health insurance exchange. Oregon still technically runs its own insurance exchange, but the state has had some help since the initial exchange, Cover Oregon, launched. The state exchange still has to meet health insurance exchange regulations set by the federal government. To apply for coverage, switch plans, or get cost assistance, applicants go through the federal website. Cover Oregon is now used just for the application of Medicaid and CHIP.

Eligibility for Obamacare in Oregon

What are the requirements to apply for Obamacare in Oregon? How to qualify for Obamacare is very simple, since the plan was meant to appeal to as many people as possible in Oregon. Anyone who is eligible for Obamacare is required to be a legal United States citizen, and must not be incarcerated. There are some Obamacare coverage eligibility requirements, but these are simply used for determining discounts and tax credits. The basic plan does not have any Obamacare income requirements, which is part of what makes it so accessible to applicants in Oregon.

How to Apply for Obamacare in Oregon

There are two very common questions with how to enroll in Obamacare in Oregon. One of those is “What do I need to apply for Obamacare?” and the other is “Can I apply online for Obamacare in Oregon?” How to apply for Obamacare insurance is a fairly easy process, but it will require the applicant having some information on hand. When determining how to get Obamacare, an applicant is going to want to have documents which provide information about his or her income. This includes past pay stubs as well as past tax records. What is needed to sign up for Obamacare in Oregon also includes information about any past insurance plans an applicant had. Applicants with preexisting medical conditions will want to have information about their condition on hand as well, such as if they received disability benefits in the past.

Where to apply for Obamacare in Oregon? Online applications through the health insurance exchange is the most common way to sign up for health insurance in Oregon. Applicants can also apply either by phone, mail, or by getting assistance in person from a health insurance agent.

Health Plan Cost and Availability in Oregon

The biggest concern that applicants have is “How much will Obamacare insurance cost me in Oregon?” Applicants use their yearly income to get an idea of Obamacare health insurance plans costs, and what kind of discounts might be available to them. So in response to the question, “How much does Obamacare cost in OR?” the answer is that the cost is dependent on many factors. It is possible for applicants to get initial Obamacare health insurance price estimates by using the online health exchange, or by working with insurance agents in person, or over the phone.

Applicants will also have to choose a specific plan from one of the insurance providers. In Oregon, there are ten different insurance providers offering plans throughout Oregon. An estimated 77 percent of Oregon beneficiaries end up paying approximately $198 each month through the marketplace. Likewise 44 percent of all Oregon beneficiaries end up paying less than $100 after using tax credits and other insurance discounts.