The Patient Protection & Affordable Care Act (PPACA), or Affordable Care Act (ACA) for short, is the health care reform law that was created in 2010.

Open Enrollment

Affordable Care Act

Open Enrollment has ended for the 2018 calendar year. The only way to be eligible for a Marketplace Plan now is to see if you qualify for a Special Enrollment. See Enrollment help below to determine if you qualify. The Health Insurance Marketplace can be accessed by clicking here.

If you have any questions or need assistance enrolling please contact us at (304) 358-2355.

For questions about issues you’re experiencing on the Insurance Marketplace website, please contact support at 800-318-2596.


Program Information and Resources

Take a moment to look over these categories to better understand the options that may be available to you.

Get your required information prepared and find answers to your coverage questions and figure out what options you need.  It’s good to be prepared, and now is the time to get started.

  • Gather information regarding your household income. To help determine health savings you’re eligible for, the Marketplace will need income information from your W-2, current pay stubs or your tax return.

  • Start by setting a budget to spend on your premiums each month. You will need to determine which health plan meets your families health needs, but also meets your budget requirements.

  • Find out if your employer plans to offer health insurance. You will be able to stay on your employer’s plan, but will enjoy some of the benefits such as no denials of pre-existing conditions or coverage dropping when you’re sick.

  • Begin the application process at the Marketplace.

The Affordable Care Act brings along a Marketplace accessible through that gives you the ability to compare coverage options, benefits, quality and determine which features are important to you. The Marketplace lets you determine the correct combination of benefits and price that fits your budget and meets your needs.

  • Low Cost of Coverage – The Marketplace application process will determine if there are any additional ways to get lower monthly premiums with your current plan. You’ll also learn if you’re eligible for free or low-cost coverage through Medicaid or Children’s Health Insurance Program.

  • Essential Health Benefits – Doctor visits, preventive care, hospitalization, prescriptions and more essential health benefits are covered under all plans.

  • Pre-Existing Conditions Covered – No longer worry about being denied coverage because of an existing condition. All pre-existing health conditions will be covered including pregnancy or disability.

You can still enroll in a Marketplace health plan as long as you qualify for a Special Enrollment Period. You can apply for Medicaid and CHIP any time during the year. Individuals who qualify for a Special Enrollment Period are those who:

  • Are no longer eligible for employer-sponsored coverage.
  • Lost eligibility for Medicaid or WV CHIP.
  • Recently got married or divorced.
  • Have adopted a child or given birth to a child.
  • Recently moved to WV.
  • Turned 26 and lost coverage under a parent’s plan.
  • Changed immigration status and now lawfully present.
  • Recently gotten out of jail.

Get help today.  We’ve gathered a few outside resources and listed them below so you can be fully informed on health care.