As evaluating and selecting health insurance in today’s ever-changing environment is confusing, resources exist to help individuals and businesses choose the best option. At a recent community forum co-sponsored by the Chamber, panelists advised people on the marketplace to reevaluate their coverage. This year’s timeline for making changes is considerably shorter than in previous years, as open enrollment ends Dec. 15.
Recent changes to the Affordable Care Act are significantly impacting health insurance marketplace rates, particularly with silver-level plans, according to the panelists. In some cases, gold-level plans with better benefits can be competitive with silver plans. Group plans have also seen smaller annual increases, compelling small business owners to revisit the overall affordability of having an employer-sponsored plan.
The forum, held Nov. 15 at The Greenly Center, was co-sponsored by the United Way of Columbia and Montour County. Panelists included representatives of Geisinger Health Plan, the Columbia Montour Area Agency on Aging, the PA Health Access Network, and ChamberChoice, the Chamber’s member benefits program. The PA Health Access Network offers the services of free navigators to help individuals register and enroll with the marketplace. ChamberChoice agents can also help individuals select plans and work with members to set up group plans for employers, including health savings accounts and flexible spending accounts. Certified counselors at the Agency on Aging can work with anyone of any age who is eligible for Medicare. Geisinger Health Plan has local representatives to help individuals and businesses understand their options on and off the marketplace.