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The Patient Protection and Affordable Care law commonly known as Obama care health reforms under the guidelines of the then President of America Barak Obama has undergone through rapid and remarkable changes and has suffered repeated attempt to repeal the law from its opponents, but is still effectively operating throughout the year 2018. The uncertainty of the existence of the law has forced many to think twice while investing for the health insurance plan under Obama care. But the law has been able to make more Americans come under the umbrella of Obamacare. Approximately around 20 million people came under the purview of Obamacare. If you are interested in an appeal for Obama care then it is pertinent for you to understand how to sign up for Obama Care and its different options for enrollment.
Steps for Signing up for Obama Care.
Before you opt for signing up for Obama Care health insurance plans you need to understand and know the following steps. Here is a quick look of the steps involved for signing or registering for Obama Care.
i) Check who can get Obama Care- Under the health care law, anybody thriving in the United States of America are eligible for applying in Obama Care. And moreover, depending on your circumstance you can check out with tax credits and premium subsidies available to you. The enrollment period usually under the law starts from November 1 and continues till the month of December.
Anyone under the law can check out for the services offered under the law like hospital services, services available for dialysis, pathological tests and many more.
ii) Compare Plans– Before you get or opt for any kind of plan it is always advisable to compare plans available in the marketplace so that you can get the best possible options for you at an affordable rate.
In the case of Obama care health reforms, you can compare with the metal tire plans like-
Bronze – Approximately 60% of covered health care expenses paid by the policy and around 40% of the cost paid by the consumer.
Silver – Approximately 70% of covered medical expenses paid by the insurance policy and 30% by the consumer.
Gold– Around 80% of medical expenses covered paid by the policy and 20% by the consumer.
Platinum– Approximately around 90% of covered medical expenses paid by the policy and around 10% by the consumer.
iii) Purchase the Plan– After making a healthy comparison among the different plans available it is advisable to choose the appropriate health insurance plan and to purchase the plan either from a web broker, by mailing or by signing up through the website of Healthcare.gov.
Period of Enrollment.
Enrollment for Obama Care can be done through yearly enrollment or Open enrollment process. The Affordable Care Act suggests Open Enrollment program or OEP to be the best time to sign up for a health insurance policy. The OEP continues for around two to three months.
Another important way through which you can get yourself registered if you fail to register through OEP is through SEP or Special Enrolment Period.