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Obamacare in Rhode Island

In Rhode Island, there are just a little over 30,000 beneficiaries that use the Affordable Healthcare Act, also known as Obamacare, as their primary insurance provider. Nearly a third of those beneficiaries are applicants that are able to get coverage because Obamacare enabled parents to share health insurance with their children until the age of 26. Obamacare is also responsible providing insurance to those who were previously denied because of preexisting medical conditions, or because they simply could not afford insurance. More information about Obamacare in Rhode Island is presented in the following topics:

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

Did Rhode Island Accept the ACA Medicaid Expansion?

What is the Obamacare Medicaid expansion? The Affordable Care Act Medicaid expansion is an optional part of Obamacare that was individually offered to each of the states. The Obamacare Medicaid expansion was accepted in Rhode Island, though as far as what is the expansion of Medicaid, one of the biggest changes is how applicants are able to apply for and receive Medicaid coverage.

To expand on Obamacare Medicaid expansion details, applicants are now eligible for Medicaid coverage if their yearly income is 133 percent under the federal poverty level. The federal poverty level varies depending on the size of the family. For example, a family of four would have a federal poverty level of $33,000. When filling out the Obamacare Medicaid application, potential beneficiaries will be informed if they qualify for expanded Medicaid coverage.

One of the initial concerns was ACA Medicaid expansion cost to states, which is why it was an optional component. Some states opted not to accept the program because they were concerned with having to increase taxes or move funds from another department to cover the costs. The federal government realized that this was going to be an issue, so they set a few measures in place to keep Obamacare Medicaid eligibility reasonable. For several years, the federal government provided each state funding to use for Medicaid. As of 2017, the federal government will not cover the entirety of the costs, but they will still help with 90 percent of the funding. The federal government also enacted several policies to help raise money for health insurance. One policy is the 80/20 rule, which states health insurance providers must use at least 80 cents of every dollar to further health insurance, and not for company profits.

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

What is the marketplace for health insurance in Rhode Island? Each state was given the option of creating their own marketplace for selling insurance plans. This is known as an Obamacare health insurance exchange, which in Rhode Island is run by the state. What is the health insurance exchange in Rhode Island? The health insurance exchange is a website that collects information about all of the different insurance providers and what type of plans are offered in Rhode Island.

It is not uncommon for states to run their own Obamacare healthcare marketplace, and Rhode Island is just one of many other states that manages their own. Rhode Island still has to follow any health insurance exchange regulations set forth by the federal government. The state uses its own website, giving them more control over how the health insurance exchange works. The health insurance exchange is called HealthSource RI. Having a state run health insurance exchange also gives applicants a few more freedoms. For example, Rhode Island has one of the longest application deadlines for Obamacare coverage.

Eligibility for Obamacare in Rhode Island

Who is eligible for Obamacare in Rhode Island? Something that Obamacare wanted to address was how many Americans were previously denied health insurance. Usually, it was either because the applicant was unable to afford a health insurance plan, or they were denied coverage because of existing medical conditions. How to qualify for Obamacare is very simple.

What are the requirements to apply for Obamacare in RI?  Any applicant that is a legal United States citizen and not incarcerated is eligible. Obamacare coverage eligibility requirements might change for more advanced plans, but applicants will always have coverage for basic health insurance plans. Obamacare income requirements do exist, but this information is merely to determine discounts and tax credits. Applicants cannot be denied basic coverage because of income.

How to Apply for Obamacare in Rhode Island

How to enroll in Obamacare is fairly straightforward. Since it is meant to appeal to so many people, the federal government wanted to make how to get Obamacare as easy as possible. A frequent question by applicants is “What do I need to apply for Obamacare in Rhode Island?” What is needed to sign up for Obamacare is a few personal documents. Applicants that want to know how to apply for Obamacare insurance should make sure that they have previous pay stubs and tax returns in order. Applicants should also have information about past health insurance plans, and any special coverage they may have gotten from a previous medical condition.

Where to apply for Obamacare in Rhode Island? Applicants commonly ask “Can I apply online for Obamacare insurance?” Online applications are the most common way to apply for Obamacare, which are submitted through the Rhode Island health exchange. Applicants can also print the application and send it through the mail. Applicants that need more assistance can call or visit in person with an insurance agent to receive more assistance.

Health Plan Cost and Availability in Rhode Island

Many potential applicants ask “How much will Obamacare insurance cost me in Rhode Island?”  Obamacare health insurance plans costs depend on the insurance provider, as well as which specific plan the applicant is considering. How much does Obamacare cost in RI? The cost for insurance will fluctuate based on what sort of discounts or tax credits the applicant is able to qualify for. For example, in Rhode Island, 88 percent of beneficiaries will be given tax credits through the health insurance exchange. Rhode Island has three different insurance providers which offer plans. Applicants can get Obamacare health insurance price estimates by looking through the different plans these three providers offer on the health insurance exchange.