ACA Health Insurance Open Enrollment Begins November 1st

Today’s post comes from guest author Kit Case, from Causey Law Firm.

In Washington State, we have a healthcare exchange at www.wahealthplanfinder.org. If this is your first time obtaining health insurance through the WA State exchange, a little preparation and planning will help you through the process.  Gather the documents and information you will need to complete your online application.

Download a checklist of information you will need to apply.

Set aside time to work on your application.  Early morning or late evenings may be less busy and allow faster progress through the application program. Note that the website is down overnight from 10:00 pm to 2:00 am daily.  As you work through the application, save your work.  If you need, you can return to the application to complete it at a later time. 

Quick Tips for Completing the Application.

Workers’ Compensation Benefits are Not Taxable Income. Do NOT over-report your income by including time loss compensation in your in application.  You may qualify for insurance for you and your family at a much lower cost while you are receiving time loss compensation benefits.

Savings are based on your expected household income for the year you want coverage, not last year’s income. The exchange uses an income number called modified adjusted gross income (MAGI) to determine eligibility for savings. It’s not a line on your tax return.

See what’s included in MAGI and how to estimate it.

You can get free, in-person help from a navigator or broker. They can help you fill out the application and enroll in coverage. Search for a navigator or broker by your zip code or language preference. You can also call the Customer Support Center at 1-855-923-4633 for help with the application process.

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