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Open Enrollment Ends February 15

January 30, 2015

Workers with disabilities seeking individual health insurance coverage will be able to enroll in plans via until February 15, 2015. Under the Affordable Care Act of 2010, plans available through the Health Insurance Marketplace must be available to people with disabilities regardless of their medical history or disability status. Health insurers will also be required to cover medically necessary care including pre-existing conditions. People earning between 138 percent and 400 percent of the Federal Poverty Level (FPL) may be able to pay lowered monthly premiums. People interested in enrolling in health plans, but concerned about choosing a plan that meets their health care needs, can get help from trained navigators either in-person, over the telephone or online. So far, 9.5 million Americans have already enrolled in coverage through the Health Insurance Marketplace.

Access to individual insurance plans through the Affordable Care Act removes a major barrier for workers with disabilities, especially those whose earnings make them ineligible for Medicaid or Medicaid Buy-In programs. Although many employers provide health coverage to full-time employees, people with disabilities who are self-employed or work for small businesses may need coverage through individual plans.

Although the open enrollment period ends February 15, people with disabilities who have recently lost coverage or experienced changes in employment, income or family status can enroll in coverage through year-round. Individuals can also use year-round to determine their eligibility and enroll in Medicaid.

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