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Open Enrollment for the Affordable Care Act (ACA) health insurance marketplace opens tomorrow.

Also, the federal government has announced planned maintenance shutdowns of HealthCare.gov on most Sunday mornings during open enrollment.

The administration and Republicans in Congress say they are looking to assist those left behind by the ACA - people who don't get subsidies to help them buy coverage and are desperate for less expensive options - even if that means purchasing less robust coverage, Kaiser Health News reported. These plans don't have to meet the criteria required by the ACA, so they may not cover certain conditions. Coverage for plans sold during open enrollment will start January 1. The metal categories reflect how consumers share costs with their insurance company, but all plans offered on the exchange must cover the same set of essential health benefits. They are not available for policies purchased off the marketplace or for policies purchased through your employer. While the ACA provides states the opportunity to seek a waiver under Section 1332, sometimes called the State Relief and Empowerment Waiver, they have been hard to obtain.

Meanwhile, open enrollment is also underway for Medicare Advantage and Medicare Part D prescription drug plans and the Iowa Insurance Division's Senior Health Insurance Information Program or "SHIIP" is available to offer free, unbiased and confidential assistance to Iowans, says Ommen.

To qualify for ACA coverage, your income has to be at least at 100 percent of federal poverty level - $12,140 for an individual. "If you need help walking through the enrollment process and understanding your options, we have in-person assisters who can help". In a silver plan, the insurer pays about 70 percent of medical costs and the consumer pays about 30 percent, up to a maximum annual out-of-pocket cap of $7,350 for an individual and $14,700 for a family.

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The Department of Human Services is working with five community organizations that served as ACA navigators to help enroll people in health coverage. Forward-looking statements are based on our current assumptions, expectations and beliefs are generally identifiable by use of words "may", "might", "will", "should", "expects", "plans", "anticipates", "believes", "estimates", "predicts", "potential" or "continue", or similar expressions and involve significant risks and uncertainties that could cause actual results, developments and business decisions to differ materially from those contemplated by these statements.

"It's very comparable to past year", said Kori Hattemer, the director of financial planning at Foundation Communities.

When insurance customers log onto the Affordable Care Act's sign-up websites Thursday, they'll find that health-care coverage prices are high but largely stable, after months of tinkering by the Trump administration.

If you purchase health insurance through the federal marketplace, your cost may be reduced if you are eligible for an advanced premium tax credit (APTC). "Consumers now have the freedom to shop outside of the ACA for health insurance they can afford without fear of a tax fine".

If you buy your own health insurance, the time has come to consider your plan for next year.


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