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Obamacare “Do You Qualify” Flow Chart

Update: You might be better off just calling to speak with an agent direct about what your options for healthcare might be during this complicated open-enrollment. Or alternatively, you can use the form below to get actual pricing information on Obamacare plans as well as other options that might be available.

Speak with an Agent now. 1-800-920-4994

Because you are out of the open-enrollment period for Obamacare, this means that you have two options for health insurance currently if it is not offered by your employer. You can obtain healthcare under the ACA (Obamacare) if you have what is called a “qualifying life event”. Changing jobs, if you moved, had a baby and a number of other “qualifying life events”.

Another option, is to obtain a short term health insurance plan, or Short Term Health Plan, also called STHP. It is important to note that short term plans do not meet the minimum requirements set by the ACA. Additionally, short term plans are not regulated like ACA complaint plans are. So the insurance carriers offering short term health insurance are allowed to reject anyone who has a pre-existing condition. For numerous reasons, this make short term health insurance not an option for millions of Americans. For more information on short term health plans the website STHP.com is an excellent resource. Again though we want to note that Short Term Health Plans are not a great long term option, and some people will not even qualify.

(We just  posted a copy of the 21 page Obamacare Insurance Application form)

Posted by Sarah Kliff on March 20, 2013 at 9:26 am:  Consumer advocates and Wonkblog commenters had similar questions: Why on earth would the federal government create such a complex form to obtain a public benefit?

obamacare qualifying flowchart small

CLICK ON THE PICTURE FOR A LARGER VIEW OR USE THE LINK TO THE RIGHT

For me, at least, the flowchart below provides a bit of an answer. It comes from the National Association of Insurance Commissioners, which represents the regulators who oversee each state’s insurance market. It is an attempt to draw up the most basic, simple questions to determine eligibility for insurance subsidies or Medicaid.

You don’t have to spend much time with the chart to get that, it’s really not simple at all. (click here for a larger version).

It can take as many as six questions just to determine an individual’s ability to buy insurance. An eight-question chain sorts out eligibility to eschew employer coverage and buy an individual plan with a tax credit instead.

In a way, this is a natural extension of the law’s structure. The Affordable Care Act grows two different insurance programs, Medicaid and the individual market. Information on income levels is needed to figure out who qualifies for which one.

The Obama administration isn’t collecting 21 pages of information for its own entertainment. It’s collecting 21 pages of information to figure out where people land on this flowchart.