How to Apply for Obamacare in Ohio
Before you can ask, “What do I need to apply for Affordable Care Act coverage in Ohio successfully?” you must understand when you are eligible to apply. Determining how to enroll in Affordable Care Act insurance plans begins with understanding enrollment periods. Unlike Medicaid, which accepts applications on a rolling basis, how to get Obamacare coverage only occurs during certain windows of time. The first ACA enrollment window is an annual Open Enrollment Period. During Open Enrollment, anyone eligible to enroll in Affordable Care Act coverage can submit an application and select a health care plan. Only those who experience a qualifying event are eligible to get Obamacare in Ohio once Open Enrollment has closed. Qualifying events include major life changes such as getting married, having a baby or being released from incarceration. When an individual or a family undergoes a qualifying event, a Special Enrollment Period opens. Special Enrollment Periods are always limited-time opportunities to apply for new ACA coverage or to change existing coverage options by switching health care plans. Read more information about what is needed to sign up for Obamacare in Ohio in the below sections.
Required Information to Apply for Obamacare
Once you have determined that you are eligible to get ACA coverage, either through Open Enrollment or a Special Enrollment Period, you can begin to look at what is needed to sign up for Obamacare. You will need to gather and have on hand a variety of important information before you start your application. To apply for Obamacare insurance, compile the following details:
- Basic personal information, such as your full name, birthdate and address
- The names and Social Security Numbers of everyone in your household, as well as their relation to you
- Your employment status and employer details, income figures and most recent tax filing information
- If applicable, any employer-based health care plans that are available to you and other members of your family, even if unenrolled
Note that immigrants legally residing in the United States who qualify to enroll in Affordable Care Act coverage will need copies of their relevant immigration documents. For more information about Obamacare application requirements, download our free guide.
How to Enroll in Affordable Care Act Coverage in Ohio
“Can I apply online for ACA insurance, or is there another easy method available?” is a question asked by many patients in Ohio seeking health coverage. In fact, when it comes to where to apply for the Affordable Care Act, there are three ways to enroll: online, by mail and via phone. In addition, applicants looking to enroll in ACA health plans in Ohio can tap medical insurance agents or brokers, along with navigators and other authorized support providers, if needed.
You can directly apply online for ACA insurance through the Marketplace Exchange system if you have access to a working computer with internet access. In addition, if you can’t apply online for Obamacare, you can obtain a paper ACA application to print and complete by hand, then mail in to the Exchange. Before you can submit an application by mail, you will need to establish your account with the Marketplace by phoning the Call Center (where you can also receive assistance), or through the online system. It is important to be aware that if you choose to apply by mail, it may take several weeks to receive your eligibility determination.
When learning how to enroll in Affordable Cart Act coverage in Ohio, if you choose to seek the assistance of an insurance agent or a broker, you will not incur any additional costs. Agents and brokers are trained to help you with how to apply for ACA insurance, and are paid by the companies or agencies whose plans they sell. However, it is helpful to be aware that some agents and brokers work only with particular agencies or plans, and may not be able to assist you.
Many communities also host organizations that have been authorized to assist applicants seeking to enroll in Affordable Care Act coverage. If you take advantage of this option, it is important to remember that you will need to include information about the individual or organization assisting you on your application. Download our comprehensive guide to read more about how to enroll in ACA coverage effectively.
Additional Information About How to Apply for Obamacare Insurance
Regardless of the method chosen regarding how to get Obamacare, all applications must be processed through the ACA Marketplace Exchange. Each state is mandated by law to offer an exchange where residents can buy health insurance coverage; states may administer these exchanges themselves, or rely on a federally operated exchange. Ohio does not operate its own exchange. It utilizes a federally operated Marketplace.
If you need assistance understanding the details of how to enroll in Affordable Care Act – or with certain steps during the application process – help is available. The Marketplace maintains a 24/7 helpline that applicants can call with questions. Most major population centers have designated organizations authorized to assist with the application process of how to get ACA coverage; in many cities, they include multilingual personnel, and are able to help residents who may not use English as their first or primary language. Most insurance agents and brokers are also equipped to assist applicants with how to enroll in ACA Marketplace health insurance plans in Ohio. Learn more about ACA applications and coverage in Ohio by downloading our informative guide.