The Missouri Division of Insurance reports there’s just one choice in the Green Hills counties for consumers who seek health insurance next year on the federal marketplace and accessible through the website healthcare.gov.
Open enrollment for 2019 begins today and ends December 15th for Missourians who plan to purchase private health coverage. The time period applies to private health insurance sold either through the federal Marketplace or directly by an insurance company.
According to a coverage map on the website insurance.mo.gov, Ambetter from Home State Health is the only option in Mercer, Grundy, Livingston, Harrison, Daviess, and Caldwell counties among others in northwest Missouri. Anthem, through Healthy Alliance Life Insurance Company, is the only option for northeast Missouri counties including Putnam, Sullivan, and Linn.
Other insurance companies offering plans in 2019 elsewhere in Missouri are Cigna and Medica. Consumers can access the department’s 2019 County Map for more information on companies in their county.
Insurance department director Chlora Lindley-Myers says it’s important to consider more than just premium cost. She said consumers, or their agent, should compare all costs, including networks, providers and drug formularies. Networks can vary, depending on where you live. The state insurance official points out companies may change the type of policy they sell from one year to the next.
If you purchase health insurance through the federal marketplace, your cost may be reduced if you are eligible for an advanced premium tax credit (APTC). The credits are only available if you buy insurance on the marketplace. They are not available for policies purchased off the marketplace or for policies purchased through your employer.
Missourians who have questions regarding association health plans (AHPs) or short-term limited-duration insurance should contact an insurance agent for more information.
For more information and to utilize the department’s shopping tool, visit the department’s website at www.insurance.mo.gov or call the Insurance Consumer Hotline at 800-726-7390.