Home Health Tips 8 Tips For Picking the Best Marketplace Health Plan – PRNewswire

8 Tips For Picking the Best Marketplace Health Plan – PRNewswire

7 min read


WASHINGTON, Oct. 28, 2020 /PRNewswire/ — With millions of Americans losing their employer coverage, record numbers could be choosing a plan on the Marketplace for the first time. Unfortunately, without the right advice they will probably pick the wrong plan, costing them thousands of dollars and unknown health repercussions. Luckily, the experts at National Patient Advocate Foundation are here to help.

Rebecca Kirch, executive vice president of programs and policy, knows how often people get overwhelmed and rush the process. “Regardless of whether you are new to the Marketplace or have enrolled before, taking your time during open enrollment to evaluate your needs and choose the correct plan could save you thousands of dollars.”  

With open enrollment starting on November 1, Kirch advises that patients take the time to “do a health care audit” and critically evaluate their plans, their doctors and their treatment plans to make sure they are working for them. “Open enrollment is a good time to ask everything from whether you’re comfortable with your doctor to if you could switch to generics and save money on prescription drugs,” she noted.

Other expert tips include:

  1. Know the deadlines and don’t miss them. For instance, while open enrollment for the federally-run Marketplace begins on November 1st and closes on December 15th, states that run their own Marketplaces may have extended deadlines. Buyer beware, though: if you buy a plan after the new year, your coverage will not begin for several weeks, if not months.
  2. Consider all types of out-of-pocket spending. Most people tend to pick a plan based on the monthly premium, but that’s not enough to really understand what your costs will be. Equally important costs to consider are the deductible and your copays or coinsurance.
  3. Unsure of a term? Find out before committing to a plan. People encounter plenty of unfamiliar words that are unique to health insurance – but not knowing what a term means could hurt your budget. If you don’t know what a term means, look it up using Patient Advocate Foundation’s Patient Healthcare Glossary.
  4. Bronze may not be for you. Marketplace plans are tiered as Bronze, Silver, Gold and Platinum with increasing levels of coverage. While the Bronze plan will have the smallest monthly premium, the Silver plan may ultimately cover more of your costs.  
  5. Consider your subsidy first. Enter your annual household income on healthcare.gov before comparing plans to see premium rates personalized for you. You may also be eligible for assistance paying your out-of-pocket costs. Most people do receive financial assistance. Remember, too, that plans on the Marketplace may look more expensive at first, but they’re the only place you can use that federal subsidy.
  6. Buy a comprehensive plan to avoid surprises. Short-term plans or health care sharing ministries may look like a good bargain, but they often won’t cover you when you really need it, or require you to pay even more money upfront while you wait for reimbursement.
  7. Stay in-network. Before committing to a plan for the year, make sure that your preferred providers will be in-network on that plan.
  8. Review, review, review: Almost all insurance plans can change their benefit structure annually. Even if your plan stays the same, your own medical needs may change. Review your coverage every year to make sure that you are enrolled in the best plan for your needs.

NPAF provides a free guide to choosing a Marketplace health plan on its website, where users can also access the entire library of educational materials available from the Patient Advocate Foundation.

“We know that choosing a plan can be daunting, but with the right tools and enough time, we’re confident people can make good choices,” said Kirch.

National Patient Advocate Foundation is a national non-profit organization advocating for access to affordable, equitable care for people nationwide. As it advocates for patients, it also teaches patients to advocate for themselves. Learn more at www.npaf.org.

Caitlin Donovan
Senior Director, National Patient Advocate Foundation
[email protected]

SOURCE National Patient Advocate Foundation

Related Links


Let’s block ads! (Why?)

Source link


  1. zortilonrel

    November 14, 2020 at 10:08 am

    Heya i’m for the primary time here. I found this board and I in finding It really helpful & it helped me out a lot. I hope to present one thing back and help others like you aided me.


  2. Latoya Korslund

    May 10, 2021 at 11:14 am

    Have you ever heard of second life (sl for short). It is essentially a video game where you can do anything you want. sl is literally my second life (pun intended lol). If you would like to see more you can see these Second Life authors and blogs


  3. storno brzinol

    May 15, 2021 at 12:46 pm

    I got what you mean , regards for posting.Woh I am pleased to find this website through google.


  4. Hailey Dunfee

    June 9, 2021 at 6:59 am

    This was great! I would like you to clean up all this spam though


  5. Marsha Loose

    June 14, 2021 at 3:16 am

    I don’t know about you people but I am obsessed with airplanes. I had a friend in highschool that loves airplanes, so here are some airplane related stuff I don’t know about you guys but I love airplanes. I had a friend in highschool that loved airplanes, so here are some airplane related stuff https://www.airlinereporter.com/2011/04/an-update-on-commercial-flights-at-paine-field/


  6. Williamdup

    July 27, 2021 at 5:28 pm

    over 50 dating singles
    [url=”http://onlinedatinglook.com/?”]midget dating[/url]


  7. KevinMam

    August 11, 2021 at 6:31 am

    gay dating without sign up
    gay russian dating sites
    [url=”http://freegaychatnew.com?”]best site for gay dating[/url]


  8. KevinMam

    August 14, 2021 at 5:00 am

    gay dating in real life reddut
    wedgie gay dating
    [url=”http://freegaychatnew.com?”]gay dating michigan[/url]


  9. KevinMam

    August 17, 2021 at 2:43 am

    gay dating online
    plenty fish gay dating
    [url=”http://gaydatingzz.com?”]pittsburgh gay dating[/url]


  10. web hosting are

    August 28, 2021 at 5:16 pm

    I think that is one of the so much important info for me.

    And i am happy reading your article. But should commentary on few basic issues, The site taste is perfect,
    the articles is actually nice : D. Excellent activity, cheers


  11. http://bit.ly/

    August 30, 2021 at 5:19 am

    There is definately a great deal to find out about this
    topic. I really like all of the points you’ve made.


  12. bitly.com

    August 31, 2021 at 7:41 pm

    Fastidious replies in return of this query with solid arguments and describing everything about that.


  13. asmr where

    September 1, 2021 at 8:48 pm

    Hey! Someone in my Facebook group shared this site with us
    so I came to give it a look. I’m definitely
    loving the information. I’m book-marking and will be tweeting this to my followers!
    Outstanding blog and great design and style.


  14. was scoliosis surgery

    September 1, 2021 at 11:49 pm

    I think everything published made a ton of sense. However, think on this,
    suppose you added a little information? I ain’t saying your content isn’t solid., but suppose you added a title
    that grabbed folk’s attention? I mean 8 Tips For
    Picking the Best Marketplace Health Plan – PRNewswire – SleepingRex is kinda boring.
    You could look at Yahoo’s front page and watch how they create post headlines to get viewers to open the links.
    You might add a video or a picture or two to get people interested about everything’ve written. In my opinion, it would bring your website a little livelier.


  15. PatrickGloke

    September 2, 2021 at 6:53 am

    gay paying dating site
    gay free online dating sites
    [url=”http://freegaychatnew.com?”]gay dating sites best[/url]


  16. in asmr

    September 3, 2021 at 2:14 am

    My family all the time say that I am wasting my time here at web, however I know I am
    getting know-how all the time by reading thes nice articles or reviews.


  17. on asmr

    September 4, 2021 at 2:49 am

    Thank you a lot for sharing this with all people you actually recognise what you are talking
    about! Bookmarked. Please additionally consult with
    my website =). We may have a hyperlink alternate arrangement between us


  18. PatrickGloke

    September 5, 2021 at 8:41 am

    beste gay dating
    gay dating sites international
    [url=”http://gaychatgay.com?”]top 5 gay dating sites[/url]


  19. scoliosis surgery an

    September 5, 2021 at 10:45 am

    Undeniably believe that which you stated. Your favorite justification seemed to be on the internet the easiest
    thing to be aware of. I say to you, I definitely get annoyed while people consider worries that they just don’t know about.
    You managed to hit the nail upon the top as well as defined out the whole thing without having side effect , people
    can take a signal. Will likely be back to get more. Thanks


  20. the asmr

    September 5, 2021 at 11:48 am

    Amazing! Its truly amazing piece of writing, I have got much
    clear idea about from this piece of writing.


  21. Michaelthede

    September 7, 2021 at 5:28 am

    gay athletes dating hairy men
    whats it like dating a gay guy?
    [url=”datinggayservices.com?”]gay men dating site[/url]


  22. HenryPic

    September 10, 2021 at 11:47 am

    canada free gay dating site
    gay pagan dating los angeles
    [url=”http://gayedating.com?”]gay dating in a rural area[/url]


  23. bit.ly

    September 11, 2021 at 5:27 am

    Excellent way of telling, and nice article to get facts regarding my presentation subject, which i am
    going to convey in school. cheap flights http://1704milesapart.tumblr.com/ cheap flights


  24. quest bars their

    September 11, 2021 at 6:04 am

    Nice post. I learn something new and challenging on websites I stumbleupon every
    day. It’s always interesting to read through articles from other writers and practice
    a little something from other websites. quest bars http://j.mp/3jZgEA2 quest bars


  25. http://app.gumroad.com/

    September 11, 2021 at 1:34 pm

    Wow, superb blog layout! How lengthy have you ever been running a blog for?
    you made running a blog glance easy. The entire glance of your website is fantastic, let alone the content
    asmr https://app.gumroad.com/asmr2021/p/best-asmr-online asmr


  26. bitly.com

    September 12, 2021 at 6:37 pm

    I read this post fully on the topic of the resemblance of hottest and previous technologies, it’s remarkable article.
    scoliosis surgery https://0401mm.tumblr.com/ scoliosis surgery


  27. http://coub.com/stories/962966-scoliosis-surgery

    September 13, 2021 at 2:10 am

    Good answers in return of this issue with solid arguments and
    explaining the whole thing about that. scoliosis surgery
    https://coub.com/stories/962966-scoliosis-surgery scoliosis surgery


  28. bitly.com

    September 13, 2021 at 10:22 am

    Excellent, what a webpage it is! This webpage presents useful information to us, keep it up.

    ps4 games https://bitly.com/3nkdKIi ps4 games


  29. http://www.iherb.com/search?kw=questbars

    September 14, 2021 at 1:41 am

    Hi! I’ve been reading your blog for some time now and finally got the bravery to go ahead and give you
    a shout out from Humble Texas! Just wanted to tell you keep up
    the excellent job! quest bars https://www.iherb.com/search?kw=quest%20bars quest bars


  30. pc dating gay

    September 25, 2021 at 6:09 am

  31. slot online bola

    October 13, 2021 at 10:06 am

    This web site is really a walk-through for all of the info you wanted about this and didn’t know who to ask. Glimpse here, and you’ll definitely discover it.


  32. bitly.com

    October 22, 2021 at 10:10 am

    hello there and thank you for your info – I’ve
    certainly picked up something new from right here. I did however expertise several technical issues using this web site,
    since I experienced to reload the website many times
    previous to I could get it to load properly.
    I had been wondering if your web hosting is OK? Not that I’m complaining, but slow loading instances times will sometimes affect your placement
    in google and can damage your high-quality score if advertising and marketing with Adwords.

    Well I am adding this RSS to my e-mail and could look out for a lot more of your respective intriguing content.
    Make sure you update this again soon. part time jobs hired in 30 minutes https://parttimejobshiredin30minutes.wildapricot.org/


  33. that ps4 games

    October 25, 2021 at 6:03 pm

    Thanks for your personal marvelous posting! I certainly enjoyed
    reading it, you might be a great author. I will always bookmark your blog and may
    come back at some point. I want to encourage you to continue your great
    posts, have a nice morning!


  34. casino usa

    October 26, 2021 at 3:59 pm

    best casino reviews https://onlinecasinoad.com/


  35. ps4 games off

    October 26, 2021 at 4:21 pm

    Pretty nice post. I just stumbled upon your blog and wanted to say that I have
    truly enjoyed surfing around your blog posts. In any case I will be subscribing
    to your rss feed and I hope you write again very soon!


  36. win real money online casino for free

    October 26, 2021 at 7:17 pm

  37. super slots casino

    October 27, 2021 at 10:04 pm

    internet casino bonus https://casinosonlinex.com/


  38. topwritemyessay

    October 29, 2021 at 4:11 pm

    writing a comparison and contrast essay https://buy1essay.com/


  39. write an essay about yourself

    October 29, 2021 at 5:48 pm

    someone write my essay https://dollaressays.com/


  40. BrandonNub

    November 5, 2021 at 3:21 pm

    essay writing companies
    [url=”https://student-essay.com/?”]how to start a reflective essay[/url]
    1000 word essay


  41. DonaldErumn

    November 8, 2021 at 8:23 pm

    2000 word essay
    [url=”https://essaytodo.com/?”]persuasive essay[/url]
    write my essay for me


  42. reallifecam nina and kira and friends sex games

    November 24, 2021 at 11:52 pm

    3d sex games android https://cybersexgames.net/


  43. girl and boy sex body games

    November 25, 2021 at 2:02 am

  44. sex games cancun sara blake

    November 26, 2021 at 10:56 pm

    money talks sex games https://sex4games.com/


  45. tranny sex games

    November 27, 2021 at 4:48 pm

    adult sex games adult pc games 3d sex games https://winsexgames.com/


  46. Donaldbuigh

    November 29, 2021 at 2:16 pm

    couples playing sex games
    [url=”https://sex4games.com/?”]jap sex games[/url]
    sex board games


  47. Donaldbuigh

    November 30, 2021 at 10:23 am

    sex games korra
    [url=”https://sex4games.com/?”]playing sex games online[/url]
    total drama sex games


  48. RonaldAnoke

    December 4, 2021 at 3:33 am

    group sex porn games
    [url=”https://sexgamesx.net/?”]sex games for couples iphone app[/url]
    virtual sex video games


  49. RonaldAnoke

    December 5, 2021 at 5:00 am

    shark tank keto diet
    [url=”https://ketogendiets.com/?”]keto diet guide[/url]
    hello fresh keto


  50. RonaldAnoke

    December 6, 2021 at 2:43 am

    keto friendly foods
    [url=”https://ketogenicdiets.net/?”]keto recipes chicken[/url]
    fruits for keto diet


  51. ChrisPredy

    December 10, 2021 at 6:19 pm

    blindfolded switch sex group games
    [url=”https://sexygamess.com/?”]sex scenes in games[/url]
    furry gay sex games


  52. Williamfog

    December 26, 2021 at 6:19 pm

    help writing a essay
    [url=”https://checkyouressay.com/?”]sat essay[/url]
    mla style essay


  53. Henryfer

    December 28, 2021 at 12:16 am

    memoir essay rubric
    [url=”https://essayprepworkshop.com/?”]american dream essay[/url]
    what is a synthesis essay


  54. Chrislob

    December 29, 2021 at 11:30 pm

    college essay writing help
    [url=”https://dollaressays.com/?”]expository essay examples[/url]
    write my essay free


  55. j.mp

    December 31, 2021 at 1:16 pm

    What’s Happening i am new to this, I stumbled upon this I have discovered It positively helpful and it
    has aided me out loads. I’m hoping to give a contribution & aid other users like its helped me.
    Great job.


  56. online free vpn n

    January 17, 2022 at 11:01 pm

    best free vpn for mobile
    [url=”https://addonsvpn.com”]best vpn for streaming[/url]
    best vpn router 2022


  57. 600 word essay m

    January 18, 2022 at 10:25 pm

    example act essay
    [url=”https://anenglishessay.com”]which sentence most likely comes from a narrative essay[/url]
    essay spanish


  58. westchester gay chat rooms n

    January 19, 2022 at 7:35 pm

    reddit gay chat room
    [url=”https://bjsgaychatroom.info”]aol chat room gay[/url]
    gay bi and male text chat


  59. best torrent vpn z

    January 20, 2022 at 7:21 pm

    free vpn for streaming
    [url=”https://choosevpn.net”]norton secure vpn[/url]
    free vpn for windows 7


  60. critical vs creative thinking u

    January 21, 2022 at 5:11 pm

    what critical thinking
    [url=”https://criticalthinking2020.net”]critical thinking standards[/url]
    three stages of critical thinking


  61. barriers of critical thinking n

    January 22, 2022 at 3:20 pm

    what is critical thinking
    [url=”https://criticalthinkingbasics.com”]problem solving critical thinking[/url]
    critical thinking book


  62. critical thinking game for adults g

    January 23, 2022 at 1:16 pm

    the importance of critical thinking
    [url=”https://criticalthinkinginstitute.com”]define critical thinking in psychology[/url]
    critical thinking in schools


  63. 5 paragraph essay format z

    January 24, 2022 at 11:25 am

    persuasive essay ideas
    [url=”https://essayscratch.com”]how to cite an essay[/url]
    descriptive essay topics


  64. essay writer service e

    January 25, 2022 at 9:54 am

    what is a descriptive essay
    [url=”https://essaysitesreviews.com”]essay writing[/url]


  65. free gay video chat sites f

    January 26, 2022 at 8:14 am

    local gay sex chat
    [url=”https://gay-buddies.com”]gay chat room upstate sc[/url]
    gay mature chat


  66. gay dating scams r

    January 27, 2022 at 4:27 am

    gay italian men dating site
    [url=”https://gayfade.com/”]san diego speed dating gay[/url]
    gay mucle dating


  67. palm springs ca mature gay bisexual dating l

    January 27, 2022 at 9:09 pm

    dating with herpes gay man
    [url=”https://gaypridee.com/”]knoxville gay dating[/url]
    gay latino’s dating


  68. gay dating sights y

    January 28, 2022 at 1:34 pm

    gay dating in louisiana
    [url=”https://gayprideusa.com/”]japan gay dating sites[/url]
    gay dating simulator tumblr


  69. gay dating hookup r

    January 29, 2022 at 5:34 am

    phone number dating gay
    [url=”https://gaysugardaddydatingsites.com/”]gay dating simulator[/url]
    minneapolis gay dating


  70. black bottom gay chat v

    January 30, 2022 at 1:11 am

    free chat on gay webcam
    [url=”https://gaytgpost.com/”]where to chat with gay pervs[/url]
    first gay chat


  71. what is a topic sentence in an essay n

    January 30, 2022 at 10:35 pm

    essay writing help
    [url=”https://howtowriteessaytips.com/”]how to write a rhetorical analysis essay[/url]
    essay mexican


  72. keto diet buddy v

    January 31, 2022 at 7:43 pm

    beans and keto diet
    [url=”https://ketogendiet.net/”]keto diet potatoes[/url]
    oatmeal keto diet


  73. plant based keto diet b

    February 1, 2022 at 5:17 pm

    keto diet review
    [url=”https://ketogendiets.com/”]keto diet dinner[/url]
    keto diet seizures


  74. inulin powder

    February 4, 2022 at 1:57 am

    Thanks for the sensible critique. Me and my neighbor were just preparing to do a little research about this. We got a grab a book from our local library but I think I learned more from this post. I am very glad to see such fantastic info being shared freely out there.


  75. zomenoferidov

    March 19, 2022 at 8:37 am

    An impressive share, I just given this onto a colleague who was doing a little analysis on this. And he in fact bought me breakfast because I found it for him.. smile. So let me reword that: Thnx for the treat! But yeah Thnkx for spending the time to discuss this, I feel strongly about it and love reading more on this topic. If possible, as you become expertise, would you mind updating your blog with more details? It is highly helpful for me. Big thumb up for this blog post!


  76. Porn Service in Markham

    June 3, 2022 at 5:27 am

    Just now I appended this web site to my preferred list of high-value content sources. 🙂


Leave a Reply

Your email address will not be published. Required fields are marked *

Check Also

Did Nets’ Kevin Durant Undergo Crazy Body Transformation? (Photos) – Game 7 – Game7

[ad_1] Brooklyn Nets star Kevin Durant is already arguably the best player in the NBA. Alt…