What Utah Residents Need to Know About Obamacare

Utah Obamacare

What Utah Residents Need to Know About Obamacare

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Obamacare > What You Need to Know About Obamacare > Utah

What Utah Residents Need to Know About Obamacare

In Utah, open enrollment for 2018 health insurance plans begins November 1, 2017 and ends December 15, 2017.

The Affordable Care Act, also known as Obamacare, has not been repealed. You are still required to comply with the ACA and you are still entitled to its benefits.

This website provides information about getting health insurance under the Affordable Care Act (ACA), including:

To begin, keep in mind these key points about health insurance in Utah:

1. You are legally required to have health insurance unless you qualify for an exemption.

The Affordable Care Act requires you to enroll in a health insurance plan unless you qualify for an exemption from the law. You must report whether you have coverage -- or whether you are exempt -- when you file your taxes in April.

To learn whether your current health plan satisfies the requirements of the Affordable Care Act or to find out whether you qualify for an exemption, see Do I Need to Get Obamacare in Utah?

2. Open enrollment for 2018 health insurance plans runs from November 1, 2017 to December 15, 2017.

For 2018 health plans, open enrollment runs from November 1, 2017 through December 15, 2017. That's only half the time of previous open enrollment periods, so act promptly to be sure you are covered.

During open enrollment, residents of Utah may use the website HealthCare.gov to choose their health insurance plan, apply for cost-saving subsidies, and get other help they need.

To get coverage beginning January 1, you must enroll by the end of the day on Friday, December 15.

If you are currently uninsured, you can use the state marketplace to compare plans and enroll in a plan that meets your needs. 

If you already have health insurance, you will be automatically re-enrolled in your existing plan if it is still available. Even if you can continue in the plan you have now, however, open enrollment provides an opportunity to review your coverage, compare plans, and switch to a new one if you find a better option.

To learn more about enrollment, see How To Sign Up for Obamacare in Utah.

3. Tax credits are still available to save you money.

Many people who sign up for insurance at the Utah exchange will be eligible for cost savings. For 2018 health insurance plans, savings are available in the form of tax credits to help you lower your premiums.

In addition, if your income is very low, you may qualify for free or low-cost coverage through Medicaid in Utah.

For more information, see Ways to Save Money on Obamacare in Utah.

4. Trump's cancellation of subsidies for insurers may not hit your pocketbook in 2018.

On October 12, 2017, the Trump administration ended subsidies for insurers called "cost-sharing reductions." These payments to insurance companies allowed them to reduce deductibles and co-payments for Americans with incomes between 100% and 250% of the federal poverty level.

In the long run, this decision could destabilize the Affordable Care Act's insurance marketplaces. For 2018 coverage, however, many people's pocketbooks may escape direct effects because HealthCare.gov tax credits will increase to cover the damages.

If you do NOT qualify for tax credits through HealthCare.gov, you may get a better deal by purchasing an insurance plan directly from an insurance company. Be sure to compare the costs of plans available to you through HealthCare.gov to those available directly from insurers in your area.

An insurance agent or broker may be the best bet for sorting out your options. To find one, see How To Sign Up for Obamacare in Utah.

5. You can get help signing up if you need it.

To find free, in-person enrollment assistance in your community or neighborhood, we recommend you begin with Take Care Utah. This nonprofit organization strives to help Utah residents understand their options for affordable health care coverage. Take Care Utah can connect you with a local enrollment specialist who will answer your questions and help you apply for a plan.

To reach Take Care Utah, go to www.takecareutah.org or call 2-1-1 (inside Utah). From there, you can type or say your ZIP Code to find the nearest enrollment assistants. 

Because the Trump administration slashed Take Care Utah's funding by 61% this year, getting help may require more patience than in the past -- but it's still a good place to begin.

For other resources available to you, see Get Help Finding a Health Insurance Plan in Utah.


You may also be interested in:

  • How Much Does Obamacare Cost in Utah?

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  • Do I Have to Get Obamacare in Utah?

    Learn which Utah residents must have health coverage under the Affordable Care Act (ACA or Obamacare) and find out about the penalty you'll pay if you don't have a qualifying health plan.

  • How To Sign Up for Obamacare in Utah

    Learn where Utah residents should go to get health plans under the Affordable Care Act (Obamacare) and how to get help with the application process.

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