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Marketplace Insurance


Outreach and Enrollment

If you have questions and/or would like to set up an appointment to discuss your health insurance options, contact our knowledgeable Certified Application Counselor:

Saralyn Erwin, CAC

402 West Jefferson

Kirksville, MO 63501

(660) 665-6067

When can I apply?


The 2020 Open Enrollment Period runs from Friday, November 1, 2019, to Saturday, December 15, 2019. If you don't act by December 15, you can't get 2019 coverage unless you qualify for a Special Enrollment Period. Plans sold during Open Enrollment start January 1, 2020.

Special Enrollment Periods are available throughout the year within 60 days of the following qualifying life events.

Who qualifies for tax credits and cost sharing?


Advance Premium Tax Credits are available to help eligible people pay their monthly health insurance premiums.  Cost Sharing Reductions lower out-of-pocket costs such as deductiblesco-paysco-insurance, and out-of-pocket maximums.


Find your estimated 2018 gross family income and the total number of individuals in your tax household in the charts below to see if you qualify for Advance Premium Tax Credits and Cost Sharing Reductions.

If you do not have access to quality health insurance at an affordable cost, you may be eligible for an exemption from the penalty for not having health insurance. Other circumstances may qualify you or your family members for an exemption. Click here for more information.


How does insurance work?


Some plans may also include more benefits than what they are required by law. Insurance companies cannot put lifetime limits on essential health benefits, but they can still place limits on nonessential benefits. For example, your health plan can limit how much it will cover for dental care each year or over your lifetime because dental care for adults is not an essential benefit.

  • Premiums - A premium is a set amount you pay for your health insurance plan, usually paid every month. You pay your premiums even if you don't receive medical care for that month. 

  • Deductibles - A deductible is the amount of money you pay for health care service before your insurance plan will begin to pay for the covered health services. For example, if your health insurance plan has a $1,000 deductible you must pay $1,000 for medical care before your insurance starts paying. A deductible may not apply to all health services, such as preventive care. 


What to bring to an enrollment appointment?


To see if you qualify for help paying for your health insurance, you will need accurate personal-identifying income information for you, and for all members of your tax household, regardless of whether they are applying for insurance.


To get the most out of your appointment, please bring all of the following that applies to you, and to any and all members of your tax household:

  • Social Security numbers – just the numbers, not the cards

  • Copies of Legal Resident documents

  • W-2 forms, work pay stubs (the two most recent, from all jobs), and/or a tax return from the previous year

  • Also bring any of these if they apply to you, or to any member of your tax household:

    • A Social Security income statement

    • An unemployment letter

    • The amount of interest being paid on student loans

    • The amount of alimony being paid


Your Certified Marketplace Navigator will also need to know about any of the following:

  • Profits from stocks or real estate sales

  • Early withdrawals from retirement or 401K funds

  • Winnings from the lottery, and/or from any casino, either domestic or abroad

  • The cash value of bartered items


During your appointment, an online Health Insurance Marketplace account may be created for you. As part of that process, you’ll be asked to login to your email account, so you’ll need to know both your username and password. If you don’t have an email account, don’t worry; one can be created for you.


If you already have an online Health Insurance Marketplace account, be prepared to supply your username and password at your enrollment appointment. If you don’t remember your login information, contact the Marketplace at 1 (800) 318-2596 for assistance prior to your appointment.


What are some good resources?

  • a project of the Missouri Foundation for Health (MFH) to promote quality, affordable health coverage for every Missourian.

  • Our Frequently Asked Questions flyer.

  • information available in multiple languages on the Health Insurance Marketplace, Small Business Health Insurance Options Program (SHOP), Medicaid, Medicare, the Children’s Health Insurance Program (CHIP), fees, and exemptions.

  •  If you are interested in information regarding Medicaid and what benefits you may qualify for.  

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