Can I Use a Paper Application to Get Obamacare?
When Obamacare first launched, the federal and state health insurance marketplaces (also called “exchanges”) were plagued by technical troubles. Many people who tried to sign up for new health insurance plans online in the early days were unable to complete their applications.
Because of these difficulties, some individuals and application assistants turned to the old-school way of getting health insurance -- paper applications.
Applying on Paper May Not Be Better or Faster
When facing a slow or broken online health insurance exchange, using a paper application may seem tempting -- at least it would provide the feeling of getting something done. However, paper forms may not speed up the process at all. On the contrary, they could slow down your application even more.
The worker who reviews your paper application must manually enter the information from your forms into the same system you would use online at your state’s exchange. It won’t work any faster for them than it does for you. Plus, using a paper application opens up more opportunity for error by putting more people between you and your goal of getting insurance.
It’s still best to apply online if you can. That said, if you feel that you’re unlikely to come back and apply for health insurance later, you may want to go ahead and complete a paper application now.
To get a paper application, call the Healthcare.gov customer service center and let them know you want to apply on paper. They'll point you to a downloadable application or send you one in the mail. For detailed Healthcare.gov contact information, see How To Sign Up for Obamacare in Illinois.
When Are You Legally Required to Report “Life Changes” to the Illinois Health Insurance Exchange?
Are you planning to get married, change jobs, or move to a new state? If so, you might have to share your big news with Healthcare.gov.
Which Changes Must You Report?
If you buy a health insurance plan through the Illinois marketplace, the Affordable Care Act requires you to report changes that may affect your insurance coverage. These changes include:
- moving to a new state or insurance coverage area
- significant changes in income
- getting new health coverage through a job
- signing up for Medicare or Medicaid
- getting married or divorced
- becoming pregnant, having a child, adopting a child, or placing a child for adoption
- losing or gaining a dependent
- becoming disabled, and
- other changes that affect your income or household size.
About This Website
We built this website to get people the answers they need about the Affordable Care Act (Obamacare). Our goal is to guide you to reliable, local information about your new health insurance options.
When you choose your state or enter your zip code here, you will quickly learn:
whether or not you're required to get health insurance
what the available plans cover
how much coverage will cost, and
how to sign up in your state.
For those concerned about cost, we show you how to determine whether you qualify for subsidies.