At the same time a number of state attorneys general are filing legal actions aimed at overturning the Affordable Care Act.
During the enrollment period, individuals and families who do not receive coverage through their employers can buy insurance through the online Health Insurance Marketplace.
The company will be joined by Wellmark Blue Cross and Blue Shield, the Des Moines insurer that announced it would be returning to the state's insurance exchange and offering ACA-compliant plans for 2019. "That access provides a critical connection to quality care in our state and to better health".
Department of Banking and Insurance Commissioner Marlene Caride sent a letter to community organizations, public and nonprofit agencies and grassroots organizations directing them to materials available for distribution in their communities.
"Plans outside of the healthcare.gov marketplace. might not include those and often times do exclude some of the things that people have come to expect their health insurance to include", Hattemer says. While the ACA provides states the opportunity to seek a waiver under Section 1332, sometimes called the State Relief and Empowerment Waiver, they have been hard to obtain.
But Castor said signing up for health insurance will be more hard this year because President Donald Trump and Republicans in Congress have made "massive cuts" to outreach and enrollment programs. More than 16,000 residents are covered through the DC Health Link individual marketplace and more than 77,000 people are covered through its small-business marketplace. A licensed insurance agent can help Iowans determine the best plan for themselves and their families, he says. "If you need help walking through the enrollment process and understanding your options, we have in-person assisters who can help".
"A lot of the short-term plans exclude emergency services, majority exclude maternity care, some exclude hospitalization", Hattemer warns.
The average cost for individual plans will decrease 6.4 percent statewide compared to this year, Donelon said.
Two insurers - Delta Dental of Delaware, Inc. and Dominion Dental Services, Inc. - will offer a collective 11 stand-alone dental plans on the Marketplace.
If the Senate remains closely divided between parties, as appears likely, Congress can't repeal the Affordable Care Act (or "Obamacare") because it would take 60 votes to end debate and vote to undo all ACA regulations.
This year, consumers can also sign up for short-term insurance plans.
Also, there's also no financial help for those plans that are outside of the Obamacare marketplace.
Ommen said that if individuals are not eligible for subsidies to help with those costs, the system does not work. For the 82 percent of Delawareans who now receive financial assistance, the average premium after tax credit is $122 per month.
From changes to the tax penalty to greater access to different types of major medical insurance, 2019 is shaping up to be the year of choice for health insurance consumers.
For people looking to purchase health insurance, the SCC has several tips.