Port Huron Hospital – a leader in healing, your partner in health.

Health Insurance Marketplace - Affordable Care Act

Know the facts to help you choose a health plan that is right for you and your family

The Marketplace is a new way to shop for health coverage.  It allows consumers to get information about their health coverage options in a way that makes it easy to make side-by-side comparisons of private insurance plans’ benefits, quality and price, and find out if they’re eligible for assistance with the costs of health coverage.  Enrollment began October 1, 2013, and will continue through March 31, 2014.

The essentials

Health benefits include at least the following items and services:

  • Ambulatory services (outpatient care)

  • Emergency services

  • Hospitalization

  • Maternity and newborn care

  • Mental health and substance use disorder services

  • Prescription drugs

  • Rehabilitative and habilitative services

  • Laboratory services

  • Preventive and wellness services and chronic disease management

  • Pediatric services

Choosing a plan

Plans in the Marketplace are separated into four health plan categories — Bronze, Silver, Gold, or Platinum. The plan category you choose affects the total amount you'll likely spend for essential health benefits during the year.

Being sick doesn't keep you from getting coverage. An insurance company can't turn you down or charge you more because of your condition. Once you have insurance, the plan can't refuse to cover treatment for pre-existing conditions. This is true even if you have been turned down or refused coverage due to a pre-existing condition in the past.

If you have Medicare, you’re considered covered and don’t have to make any changes. You can’t use the Marketplace to buy a supplemental or dental plan. You’re considered covered if you have Medicare, Medicaid, CHIP, any job-based plan, a plan you bought yourself, COBRA, retiree coverage,  VA health coverage, or some other kinds of health coverage.

Ready, set, enroll!

Get started today.  There are four steps for enrollment: setting up an account, completing an application, comparing plan options and enrollment. Visit www.healthcare.gov for more information or call 1.800.318.2596 -- 24 hours a day, 7 days a week.

You will need to gather the following documents in preparation for determining financial assistance:

  • Social Security number

  • Employer and income information for every member of your household who needs coverage (for example, from pay stubs or W-2 forms—Wage and Tax Statements)

  • Policy numbers for any current health insurance plans covering members of your household

  • A completed Employer Coverage Tool (available on the Marketplace website)

Have questions?

If you or your family is uninsured, Port Huron Hospital has representatives on staff who can provide personal assistance to help you understand your options. Call HealthAccess at 1.800.228.1484 or 810.989.3199, Monday - Friday from 9 a.m. to 4 p.m., or send us send us an email at healthaccess@porthuronhospital.org.  

Visit the St. Clair County Library's website to learn more about St. Clair County resources related to the Health Insurance Marketplace.