health insurance exchange

Transcript

MICHEL MARTIN, HOST:

This is TELL ME MORE from NPR News. I'm Michel Martin. The Obama administration announced yesterday that 5 million Americans have now enrolled in the Affordable Care Act, and that might be surprising news for some who tried to sign up and were met by major website problems early in the rollout. If you are not one of those 5 million, you still have about two weeks to sign up or figure out if you might be able to stay in a plan you already have.

With a bit more than a month left for people to sign up for health insurance plans set up under the Affordable Care Act, the federal website known as HealthCare.gov finally seems to be working smoothly — in 36 states.

But what's happening in the 14 states that are running their own exchanges?

We're heading into the home stretch to sign up for insurance under the Affordable Care Act this year. The open enrollment period ends March 31 for most people.

But there are exceptions. And they are the subject of many of our questions this month.

Now that the problems with the balky HealthCare.gov website are largely fixed, the Obama administration is finally feeling comfortable enough to launch some of the outreach it planned for last fall.

Its top target: young adults, specifically those between 18 and 35.

If you think buying health insurance under the Affordable Care Act has been complicated, just wait. Buying dental coverage on the health exchanges, it turns out, is even more confusing.

Dental coverage for children is one of the benefits that must be offered under the law. But, it turns out, a loophole in the law means that — in most states — families don't actually have to buy that coverage.

These rules are so confusing that they even tripped me up.

New Year's Day marked the halfway point to sign up for health insurance through the Affordable Care Act for coverage this year.

And after a dismal start, things seem to be going a lot better on the HealthCare.gov website. Federal officials say more than 1 million people enrolled in coverage by the Christmas Eve deadline for coverage that began January 1.

Monday marks the first deadline to sign up for health insurance under the Affordable Care Act. Throughout the country, health care navigators are helping people with the enrollment process. In New Orleans, they're working hard to reach as many people as possible, spending time outside shopping malls, corner stores... even the airport.

There are seven shopping days left until Christmas. But there are just five days until another important deadline — the last day to sign up for health insurance under the Affordable Care Act if you want coverage to start January 1.

After a slow start, activity on the federal website HealthCare.gov has been heavy all month. And with the deadline approaching, some people are getting worried that they won't get signed up in time.

And this being the health care law, it's complicated. There is more than one deadline.

Your Questions About The American Health Care Act

Dec 18, 2013

In recent months, NPR staff has published a series of questions-and-answer stories related to the Affordable Care Act, also known as Obamacare. Now we've compiled them into an interactive so you can explore answers that are most relevant to you.

There are nearly 80 questions, ranging from who's eligible to how much insurance might cost, among two dozen topics. Filter the list by selecting categories or asking questions.

Did we miss an important question? Let us know.

Enrollment in the federal government's new health insurance exchange picked up sharply in November, but the number of people signing up for coverage still trails original forecasts. Officials from the Obama administration say they expect the pace of enrollments will continue to increase now that the insurance website is working more smoothly.

Users have until Dec. 23 to sign up for coverage that begins in January.

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