November 28, 2014 |
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Affordable Care Act (ObamaCare)

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Open enrollment for the exchanges is now closed, and will be reopened November 15, 2014.

December 15, 2014--Enroll by the 15th if you want new coverage that begins on January 1, 2015.  If your plan is changing or you want to change plans, enroll by the 15th to avoid a lapse in coverage.

December 31, 2014. Coverage ends for 2014 plans.  Coverge for 2015 plans can start as soon as January 1st.

Open enrollment ends February 15, 2015.

If you don't have insurance, here is a website that tells you some of your options.

For Individuals, Families and the Self-Employed:

To Speak to Someone Who Can Answer Your Questions:

24/7 federal hotline—Speak with a live person for information about the new law and how to find coverage at: 1.800.318.2596. Speakers available in Spanish.

 The Toledo/Lucas County CareNet’s Navigators will be available to assist individuals with enrolling/re-enrolling in health Insurance through the Healthcare.gov Marketplace or through Medicaid during the following dates and times:

 Main Library

Beginning Wednesday, November 19th:

Mondays from 2 p.m. - 8 p.m.

Wednesdays from 10 a.m. - 4 p.m.

Saturdays from 11 a.m. - 4 p.m. 

 Sanger Branch Library :

 Beginning Wednesday, November 19th:

 Wednesdays from 2 p.m. - 8 p.m

Sundays from 1 p.m. - 4 p.m.

To make an appointment with a navigator in Lucas County:

Call: 211

To make an appointment with a navigator in northwest Ohio (outside Lucas County):

Call: 1-800-648-1176

or see:


Informative Websites:
Healthcare website  
The main federal information site, with information for everybody.

Are You Covered Ohio  A website to enroll, re-enroll, find out about private options, and set up appointments with navigators for Ohioans.

If You Have Health Insurance
What to know if you already have health insurance.

What if Someone Doesn’t Have Health Insurance?
Tells you the fees for not having coverage, as well as who may be exempt from paying the fee for non-coverage.

How Can I Get Ready to Enroll in the Marketplace? 
Definitions of important words to know.

How Do I Apply for Marketplace Coverage?
Tells you what steps to take to enroll on the marketplace exchange.

Finding Your Insurance Plan
Answer a few questions to find out more about the insurance options available to you. Click the box in the lower right side of the screen for a live chat with someone who can help.

The Site to Choose and Sign on For Coverage
This is your starting point to sign on for coverage in the marketplace.

What if I’m Self-Employed? 

Watch out for fraud!

Scammers are trying to charge for information, get information to steal identities, and more!  Learn to protect yourself from these frauds.

Ohio Department of Insurance.  FAQs on the New Healthcare Law
A frequently asked question page explaining the new insurance exchanges, the penalties for non-insurance,  and whether or not you need to sign up for new insurance.

Kaiser Foundation Subsidy Calculator
Some people will be eligible for a subsidy for their health insurance.  If you would like to get an idea of whether you might be eligible, and how much financial help you may be able to get, try this website.

Tax Provisions for Individuals and Families 
What do you need to know about taxes and the new health care law?

Ohio Department of Insurance 
What you need to know about Affordable Care Act (ObamaCare) scams and how to avoid them. 

Window Shopping for Policies
The most relevant information for you before you apply for coverage in the Marketplace.

For Businesses:

To Speak to Someone Who Can Answer Questions
Small Business Healthcare Hotline: 1.800.706.7893 (TTY users: 1.800.706.7915).  Monday through Friday 9 a.m.-5 p.m.


The Center for Medicare and Medicaid Services, CMS, is offering a webinar series for small
business employers, agents, brokers and other interested stakeholders, about important changes
in the Small Business Health Options Program (SHOP).
The presentation will focus on the federally-run SHOP Marketplace and subject matter experts
will be on hand to take questions following the presentation.https://marketplace.cms.gov/technical-assistance-resources/training-materials/shop-training-webinars.pdf

Informative Websites:
Information for Small Business

Information for Business

SBA Health Care Law Information Page  
More in-depth coverage of the new health care law for business, with a glossary of terms, a timeline, and scheduled webinars.

Do I Have to Offer Health Insurance to My Employees?

What if My Business Has 50 or More Employees? 
Find out how ACA affects you.

Tax Provisions for Business 
What impact will the new law make on business taxes?

FAQs for Business
Answers commonly asked questions about the new law and business.

Text of the Affordable Care Act:
Read the Law
Includes links to the full text of the law, the Supreme Court decision on the law


Marketplace Application Process


Marketplace Enrollment Process


What is the Health Insurance Marketplace?


Community Events