Low-income residents of Kansas and Missouri now have a brand-new special enrollment period to find affordable health insurance.

Now, for the first time, low-income people in Kansas and Missouri can buy health insurance on the federal exchange throughout the year. This new year-round enrollment period applies to those who earn 150% or less of the federal poverty line — meaning up to $39,750 for a family of four.

A pandemic stimulus law passed by Congress last year also offers more financial help to many people who buy coverage on Healthcare.gov.

In Missouri & Kansas, here’s what that translates to:

People who earn between 100% and 150% of the federally defined poverty level can get enough subsidies to fully cover the premiums of certain insurance

In Missouri, low-income individuals may also qualify for subsidies, although many might be eligible for Medicaid under the state’s expanded program.

Normally, people who want health insurance sign up for it in the fall. However, during the COVID-19 epidemic, the Biden administration increased access to coverage.

Even though the normal enrollment period has ended, individuals who earn up to 150 percent of the poverty level will be able to shop for a 2022 health plan on Healthcare.gov this month.

Beacon Point Insurance can assist those who want to know if they qualify for subsidies and understand their choices.

Our advisors can answer any questions you have regarding subsidies, premiums, deductibles, copays, and other elements of health plans.

Navigators recommend that people review their insurance options every year or at a minimum update their income because their subsidy eligibility can change, and so can the plan options and networks available in their area.

Many low-income people will be able to acquire silver-level plans without a monthly premium thanks to the pandemic’s rise in subsidies.

This year, the federal exchange offers more plans than it has previously – many more different health plans from multiple insurers. Local choices include Blue Cross Blue Shield of Kansas and national players like Cigna, Aetna, and Ambetter, while options differ by county in each state.

Kansas is one of twelve states that have not expanded Medicaid to cover more low-income people.

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