Morehead City, N.C.

Oct. 29, 2019

TO THE EDITOR:

Despite efforts to repeal the Affordable Care Act (ACA) and lawsuits to end its benefits, the ACA is still the law. Open enrollment for 2020 runs Nov 1 – Dec 15, 2019, and subsidies that help pay premiums and cost sharing reductions which reduce out-of-pocket costs will still be available.

In 2019, 5,088 Carteret County residents enrolled in ACA coverage. Ninety-four percent of them received financial help to cover monthly premiums which resulted in average premiums of just $74/month, and 60% qualified for cost sharing reductions which lowered their deductible and co-pays/coinsurance.

Note that if your income is too high to qualify for help paying your premium, you may qualify for an exemption that will allow you to enroll in a low cost catastrophic plan.

Going without health insurance could mean that you are just one medical emergency from bankruptcy. Plus, you’re foregoing the free preventative care and negotiated rates for care that come with Marketplace policies.

Like last year, current enrollees may have received a letter from BCBSNC stating what their premium will be if they allow their coverage to ro ll over automatically for 2019. This letter can be confusing and inaccurate because it assumes that your subsidy will be the same in 2020 as it was in 2019. It is further complicated by the fact that there are a different assortment of plans available for 2020.

Even if you’re thinking that you will let your enrollment roll over, it’s recommended that you return to the Marketplace to ensure that the information in your application is current and correct and that you are enrolled in the plan that is best for you.

If you want to explore your options for 2020 coverage and/or ensure that your application is up-to-date and you are enrolled in the best plan, free local in-person assistance is again available. We can meet with you at the Carteret County Public Library in Beaufort or at Broad Street Clinic in Morehead City.

We are also partnering with Carteret Community College to sponsor an enrollment event on Dec. 5th from 4-8 p.m.

At an appointment or at the event, we can explain your options, help you apply and enroll, or help you update your previous application and select the best plan for your 2020 coverage.

To schedule an appointment and/or get more details, call one of us at the numbers listed below, call toll free 1-855-733-3711, or go online to NCNavigator.net.

You can also enroll on your own by calling the Marketplace call center at 1-800-318-2596 (24/7) or by going online to www.healthcare.gov or www.cuidadodesalud.gov/es/.

Don’t forget — the deadline for enrolling in 2020 coverage is Dec. 15th!

KAREN BAGGOTT 252-646-1550 – Morehead City

FRED HARVEY 919-218-3210 – Beaufort

HELENE KELLY 252-269-0775 – Beaufort

BARB THOMAS 252-422-1354 – Morehead City

Volunteer ACA Navigators with Legal Aid of N.C.

(5) comments

David Collins

This is just grand. Grand for those pitiful ones on the receiving end. Not so much for those that have to have their retirement investment accounts raided to pay for it. That includes Teachers, state worker retirement funds, anyone who relies on distributions to fund their retirement lives. That is a whole bunch of folks who have worked over the years to accumulate a little something, encouraged by the government to do so as well, only to have part of what they paid for stolen to fund yet one more welfare scheme. Now the same thieving folks want to force a single payer scheme on all of us and really believe the folks honestly feel it will be at no cost to them. How have so many been dumbed down so much? Should this continue, Atlas will surely shrug.

DeadBolt

Yup, David, it would seem that the needs of a slim, and i mean slim , few outweigh the needs, or even desire's of the super majority. ie: think Carteret County has roughly 85k residents, anyhoo, those numbers are not even scant, we all would have rather pitched in to compensate to help the few, rather then having the government take it from us via the gun. (but then again, what do ya expect from the party of Slavery/ The Klan, and Jim Crow?) I say we enter a law that REQUIRES EVERY SINGLE DEMOCRAT REGISTERED TODAY TO REPAY REPARATIONS FOR THEIR PRIVILEGE OF THEIR WEALTH THROUGH SLAVERY! Republicans stopped them. Bet the DNC would be dissolved overnight! [wink]

Osprey

County population is just under 68000. With 20% of the population under 18 and another 18% 65 and older that leaves about 42000 between 18-64.

12% of the eligible population have enrolled in Obamacare, or 1 in 8 of working age.

David Collins

It appears that the British National Health Service needs another injection of money for it’s “ Free health care scheme that has been held up as an example that we should adopt “ . Only 26 billion per year this time. Their folks have a procedure rationed system so long waits are rather common , unless you have the means to skirt around the system . A two tiered system for a low price for sure . October 19th Economist page 54.

DeadBolt

Found a funny idea, check out the calculator on smokahantus's WEBSITE, AND SEE HOW MUCH YOU WILL SAVE AS your job pays fr all your costs, or you pay on your own, HAHAHAHAHAHAHAHAHAHAHAH Seriously , type in 1 million dollars on either one........ or your actual costs per year, its a huge hoax. [ https://elizabethwarren.com/calculator/medicare-for-all ] SHE IS A ROTTEN COMMIE! (and a liar too!) [beam]

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