With the uncertainty that surrounds the ACA and the health insurance industry in general, it is understandable if Oregon residents aren’t always up to date regarding how to get proper health insurance. HealthQuoteInfo can help clarify matters with our expertise and experience, so please do get in touch with us when you have questions and concerns about your Oregon health insurance coverage.
Heath Insurance On and Off the Exchange
If you don’t have health insurance yet, it’s time that you do. Oregon has a state-run exchange that you can access on the HealthCare.gov platform. This is where you can find ACA-compliant health insurance plans that all contain the essential health benefits. There are five private carriers that offer health insurance plans in the exchange in 2018, and the same group of insurers has also filed rates for 2019. These are BridgeSpan, Kaiser Foundation Health Plan of the Northwest, Moda, PacificSource, and Providence Health Plan.
These carriers offer plans in the exchange that are only available in certain counties of Oregon, and they may offer health insurance plans off the exchange as well. To find the health plans that are available for your county, you can simply use our search bar. Once you enter your zip code, you will only find the health insurance plans that are available for your county.
The advantage of obtaining private health insurance is that you can pick the plan with the set of benefits that will be most relevant for yourself and for your family. No one picks for you, although if you’re unsure about your choice you can turn to us for some guidance as well. it is also important to note that ACA is still a law on the books, and you can face tax penalties if you do not obtain health insurance that contains the essential benefits.
Employer-Sponsored & Small business Health Insurance Oregon
Large companies often offer health plans for their fulltime employees. In fact, companies with at least 50 fulltime employees are required to do so or else they face tax penalties as well.
Smaller companies aren’t required to offer such plans, but some do because they may receive tax credits in exchange. In addition, such plans also help attract more skilled workers, and they also help increase worker productivity. Offering these plans also boost the morale among the workers.
These plans are beneficial for employees because it makes finding and paying for health insurance so much easier for them. It is the employer who picks the carrier and negotiates with the insurer about benefits and rates. The employees are accepted into the program when their work hours qualify them as fulltime employees, and they cannot be denied coverage due to any preexisting conditions. Employees also pay less for insurance because employers pay for a large portion of the premiums. The employees can also enroll their dependents into the plan.
It is important that you maintain coverage, as a lapse of coverage can result in a carrier refusing to cover your preexisting medical conditions for the first year of your policy. To maintain that coverage, you can extend your work-sponsored insurance through the COBRA program. You can pay for the premiums yourself to still have coverage even if you lose your job, and this extension can last for up to 18 months while you find a job elsewhere which provides health benefits or if you can purchase private insurance.
As a self-employed worker with your own business, you can also purchase a small group plan to provide insurance for yourself (and dependents) and for your own employees. You only need to have at least two employees (including yourself) who work a minimum of 17.5 hours a week.
Oregon Health Plan & Low Income Health Insurance Oregon
This is the Medicaid version of Oregon, and it is designed to provide basic health coverage for those who cannot afford or obtain health coverage elsewhere due to lack of means. Those with special needs, such as the aged, blind, and disabled can also qualify.
You can obtain OHP assistance if your household has an income of not more than 138% of the federal poverty level (FPL). This is an annual income of $34,638 for a family of four. For pregnant women and infants, the income ceiling is 185% FPL.
Children can also qualify for the OHP, and they also have the Children’s Health Insurance Program to help make sure they get proper coverage even if their family income exceeds standard OHP income requirements. Because of the CHIP, children can enjoy medical coverage with a family income ceiling of up to 300% FPL. For a family of four, that’s an annual income of $75,300.
Oregon MothersCare and Family Planning
It is not right that up to 20% of women in Oregon do not receive proper prenatal care, which is why the state has the MotherCare program to address the issue. The service helps pregnant women apply for the OHP while they receive pregnancy tests and additional information.
Oregon also has a Family Planning program that offers confidential services to residents. The program can provide for low-cost or even no-cost birth control program for its members.
Babies First! is another program that Oregon offers for its more vulnerable residents. This program identifies children who are more likely to face risks to their health, and this public health nurse home visiting program can help turn the tide and increase the odds for these babies.
Oregon Open Enrollment 2019 & Oregon Obamacare Insurance
The Oregon Open Enrollment period for health insurance in 2019 will run from November 1st, 2018 to December 15th, 2019.
For all your other questions regarding health insurance in Oregon, please do not hesitate to give us a call at 1-855-614-5057. We stand ready to guide you so that you can get the health & medical insurance coverage you need and deserve.