What Does the End of the Health Insurance Marketplace Open Enrollment Period Mean?

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The open enrollment period for the Health Insurance Marketplace ends on Dec. 15, meaning the window is closing for you to ensure that you are covered in 2019. Be sure to get covered ASAP!

So, whats the Health Insurance Marketplace? It’s a provision of the Affordable Care Act that provides individuals, families and small businesses with a way to purchase quality health insurance plans at a relatively affordable price. The marketplace gives you the opportunity to learn about health insurance options and compare them with private insurance plans. You can get comprehensive information on benefits and quality as well as facts about price and affordability to make the best coverage decision for yourself and your family.

All marketplace plans cover essential health benefits, pre-existing conditions, and preventive services. There are also low-cost Medicaid and Children’s Health Insurance Program (CHIP) options available.

Why Health Insurance Marketplace Plans are Important

Enrolling in the Health Insurance Marketplace is a good way to prevent future financial challenges stemming from an injury at work.

Selecting the right coverage plan is essential – especially as it pertains to workers’ compensation benefits. Those who do not have health insurance are susceptible to having to pay their own medical expenses for injuries that happen on the job if their workers’ compensation request is not approved. Some can barely afford their own utilities, let alone thousands of dollars in medical bills. And all too often, even if you are granted workers’ compensation insurance, it ONLY covers the medical expenses of the specific at-work injury – such as surgery or rehabilitation – and not expenses of ongoing complications that could ensue for months or even years afterward.

Sometimes, your request can be denied or the litigation process can take months, leaving you with no other option than to pay your own way. This is not a situation you want to be in.

Let Dugan & Associates Help You!

If you or someone you love suffered an injury at work without a health insurance plan, the team at Dugan & Associates is ready to look at your case. Our team of experienced workplace injury lawyers will make sure you receive the maximum monetary compensation available to you. Give us a call at 412-353-3572 or contact us online today for your free consultation.

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