Join Rep. Kendrick, MO Nurses Association President Rebecca McClanahan, Central MO Community Action Executive Director Darin Preis, MU Graduate Student Harly Moore, and Martha Stevens from the MO Rural Crisis Center at a 5:30pm press conference on the day that the Supreme Court announces their June ruling on King V. Burwell.
The press conference is sponsored by the MO Rural Crisis Center and will focus on the impact that the Supreme Court decision will have on tax credits and health care in Missouri and other states having refused to establish a state healthcare exchange.
Under the Affordable Care Act (ACA), which Missouri lawmakers have refused to acknowledge, 28 states and the District of Columbia have expanded Medicaid, while 14 states have established Health Insurance Marketplaces where citizens can purchase private health insurance and low income families can qualify for discounted, affordable health insurance through tax credits. Without a state Health Insurance Exchange, the only option for Missourians is to participate in the Federal Exchange.
The Supreme Court case hinges on the Court’s interpretation of “an Exchange established by the state”. Section 1311 of the Affordable Care Act grants “an Exchange established by the state” authority (to issue subsidies), but doesn’t expressly provide that power to issue subsidies to HealthCare.Gov, an Exchange established by the federal government on behalf of the states.
If the Supreme Court sides with the plaintiffs (King) instead of Burwell (the HHS secretary), millions of people in Missouri and other non-Exchange states will lose their health insurance as federal healthcare tax credits are denied. It is thought that the deciding votes will come down to Justice Kennedy and Chief Justice Roberts.
The press conference will be held in front of the Central Missouri Community Action offices, 807 N. Providence Rd., on the west side of Providence.
What are Health Insurance Marketplaces (Exchanges)?
ObamaCare (the Affordable Care Act) implements state-specific Health Insurance Exchanges (often called Marketplaces). These Health Insurance Marketplaces are online price comparison websites where consumers can purchase health insurance that counts as minimum essential coverage, receive federal subsidies, and be granted exemptions.
Signing Up For the Health Insurance Marketplace
State marketplaces offer 24/7 assistance to help you sign-up, enroll, or switch plans. Simply scroll down the page until you find your state’s marketplace to get started. Many states set up their own marketplaces, but 36 have not. If your state hasn’t set up their own marketplace, you’ll use HealthCare.Gov instead.
Getting Cost Assistance on the Marketplace
Americans making under 400% of the Federal Poverty Level (FPL) may qualify for cost assistance through the marketplace. Cost assistance includes: reduced premiums via tax credits for those making between 100% – 400% FPL, out-of-pocket cost assistance (on Silver plans only) for those making between 100% – 250% FPL, and Medicaid for those making under 138% FPL (if their State has implemented Medicaid expansion).
Marketplace Open Enrollment
Open enrollment in all marketplaces started on November 15th, 2014, and ended February 15th, 2015. If you missed the deadline for ObamaCare’s open enrollment, you won’t be able sign up again until the next open enrollment in 2016 unless you qualify for a special enrollment period.