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THE HEALTH CARE LAW
there are four key features of the law
Coverage will be guaranteed
All new plans will include coverage for essential health benefits
You may qualify for cost assistance
A new way to shop
HOW WILL THE AFFORDABLE CARE ACT AFFECT ME?
If you have health insurance
If you don’t have health insurance
Almost everyone can get health insurance
KEY DATES
November 1, 2022: Open Enrollment starts — first day you can enroll in a 2023 Marketplace plan
December 15, 2022: End of Open Enrollment. Last day to enroll in a 2023 Marketplace plan
January 1, 2023: Plans sold during Open Enrollment start January 1, 2023
special enrollment periods
Did you miss your opportunity to enroll?
WHEN AND HOW SHOULD I BUY 2023 HEALTH CARE INSURANCE?
The sale of 2023 policies will begin on November 1, 2022.
If your current health care insurance is from your employer, you may not have to do anything. Ask your employer if changes will be made to your health care insurance plan and consider if it is best for you.
If you have an insurance agent that has helped you find insurance coverage in the past, you can still work with the agent. You can also buy directly from health care insurers.
You can also go to the Health Insurance Marketplace in Texas. The Marketplace will give comparisons and have online calculators to help determine if you can get help paying for insurance.
WHAT IF I CAN’T AFFORD HEALTH CARE INSURANCE?
Integrity’s Online HealthCare Enrollment Guide
HEALTH INSURANCE PLANS TO FIT EVERY BUDGET
WHAT ARE THE DIFFERENT LEVELS OF INSURANCE PLANS?
Blue Cross Blue Shield of Texas has four levels of health care plans available through the Affordable Care Act — Bronze, Silver, Gold, and Platinum. All plans will have similar benefits, and all will include essential health benefits. Where they differ is on how the costs of the benefits are applied.
- Bronze – Will have the lowest monthly premium, but also could be the highest out-of-pocket costs.
- Silver – This level has slightly higher monthly premiums than bronze but also richer benefits.
- Gold – Gold has an even higher level of benefits than silver, but also a higher monthly premium.
- Platinum – This is the highest level offered by BCBSTX, with both the highest premium but also the richest benefits.