FAQs about the New Health Insurance Act
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Individuals from Maryland needing to enroll for health insurance under the nation’s new health coverage act do not have to go to the federal health exchange site. They will go to an online site called Maryland Health Connection. There, they can shop, compare, and enroll in quality health plans.
Maryland Health Connection opened Oct. 1, 2013, for individuals and families; for those enrolling by Dec. 31, coverage can begin Jan 1, 2014. Below are some of the most frequently asked questions about coverage that are answered on the site.
For more FAQs, go to the site. In Southern Maryland, the Waring-Ahearn Insurance Agency can also assist in enrollment. The company, a Maryland authorized broker of the Health Connection, has the advantage of being able to compare products inside the exchange to products outside the exchange.
Who can enroll in coverage through Maryland Health Connection?
All legal residents in Maryland who do not have access to health coverage through their employer are eligible.
What if I have an illness or disability? Can I still get health insurance?
Yes, starting in 2014, no one can be denied health coverage because of a pre-existing condition. At MarylandHealthConnection.gov you can shop, compare and enroll all in one place.
If I have health insurance now, will I have to use Maryland Health Connection?
No, not if you have health coverage through work or through a policy you bought on your own. But if you lose your current plan for any reason, you’ll be able to find quality health insurance that fits your budget through Maryland Health Connection.
If I already have Medicaid, what should I do?
If you or your child is currently enrolled in Medicaid, you do not need to do anything. You will be contacted when it is time to renew your coverage. In 2014, you will be able to renew your Medicaid coverage through Maryland Health Connection year-round.
What if I have never had health insurance before?
You may be eligible for health insurance even if you have never had it before. You may also be eligible even if your coverage has lagged. You may qualify for financial assistance to make private insurance more affordable or you may be eligible for coverage under the new Medicaid expansion. Marylandhealthconnection.gov is the one place you can go to find out what you qualify for, shop, compare and enroll all in one place.
Do I have to purchase health insurance? Is it required?
Yes. By law, under the Affordable Care Act, most people over age 18 must have health insurance beginning in 2014 or pay a fine. If you have Medicaid or Medicare coverage, you meet the requirements under the law.
When can I start using Maryland Health Connection?
Now. Maryland Health Connection opened October 1, 2013.
