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SALT LAKE CITY (AP) — In Utah and 36 other states, consumers on Saturday can begin enrolling in private health care plans through the online marketplace run by the federal government.
The marketplace, also known as a health exchange, is a key prong of President Barack Obama's health care law.
Federal officials are hoping the retooled website at healthcare.gov will see a smoother opening this year than its October 2013 launch, which was plagued by glitches and crashes.
Here's some things to know with the second round of enrollment kicking off:
GET INSURANCE
Enrollment on the federal health website opens Saturday, Nov. 15, and runs through Feb. 15. Those who want health coverage to kick in by Jan. 1 should sign up by Dec. 15.
Consumers who had health insurance through the federal marketplace last year will be automatically re-enrolled if they do nothing. But insurance officials and health care advocates say plan costs and help with premiums may have changed since last time, so it could pay off to shop around for a better deal.
THE COST
On average, costs for for Utah residents have increased about 5.7 percent this year, according to the Utah Insurance Department. Rates have climbed higher for some plans while others have actually seen a drop. Those living in rural areas will see higher costs than urban dwellers. Plans also vary based on age and tobacco use. Many people may qualify for tax credits to help pay for their monthly premiums.
GETTING HELP
Healthcare.gov lists local organizations that assist people trying to enroll in the marketplace.
Those with low-incomes who meet other qualifying conditions may be eligible for Medicaid, a state-federal program. In Utah, it's administered by the state Department of Workforce Services. Applicants on healthcare.gov should be redirected to Workforce Services if they appear to be eligible for Medicaid. For those that aren't eligible, Workforce Services can transfer applications back to healthcare.gov.
DOING NOTHING
Those who didn't have health insurance this year face a penalty of at least $95 early next year when preparing their 2014 federal tax returns. By signing up this fall for coverage in 2015, you can avoid the penalty when filing your 2015 taxes. The penalty will jump to at least $325 at that time. There are some exemptions to the penalties, but they involve paperwork. More information can be found at healthcare.gov.
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