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Nov 14, 2014 7:11 PM

NH has more options in second year of ACA health coverage


CONCORD - Open enrollment for the second year of health insurance coverage under the Affordable Care Act begins Saturday, November 15, and runs through February 15,2015.

Donna Marzullo of Deering is scrambling to find affordable insurance.

Marzullo said, "I got a letter in the mail saying my insurance was cancelled immediately because the company I was working with didn't comply with the Affordable Care Act."

Her insurance company ended up extending her insurance through September of this year.That date has come and gone, leaving her now without any health coverage.

She used to pay a $500 monthly premium with a $5,000 deductible. She says she'll have to pay more to duplicate her old policy.

Marzullo said, "It's going to be about $650 with a $6,000 deductible. One of them was $1900. That would be with no deductible, but still, when you figure $1900 a month, that's a house payment."

But health care officials promise 2015 premiums in New Hampshire are much more affordable, thanks to competition driving prices down. In 2014 there was just one insurer, Anthem, and 11 plans available in the state through the online marketplace. Now there will be five insurance companies and more than 60 plans to choose from.

Many will qualify for discounts. The U.S. Department of Health and Human Services says more than 110-thousand Granite Staters can likely get help paying for their insurance.

A single person can make up to $46,680, and a family of four can earn more than $95,000 and qualify for discounts.

Another big fix promised this year is accessibility. More plans mean more health care providers and more hospitals.

Covering New Hampshire project coordinator Karen Hicks said, "Every single person in the state will have their local hospital in at least three networks that are offered through the marketplace."

If you choose to go without any health insurance, the penalty is higher in 2015. It could up to two percent of your income, or $325 per adult and $162.50 per child, whichever is more.

For more info go to www.healthcare.gov or www.coveringnewhampshire.org


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