For the week of July 29, 2013
, we are featuring the website for Healthcare.gov
). This site provides information on enrollment in commercial health insurance and Medicaid under the Affordable Care Act (ACA). It is operated by the Centers for Medicare and Medicaid Services
Organizations providing housing and services to people with disabilities and persons experiencing homelessness should be knowledgeable about access to commercial insurance, as well as access to Medicaid. This knowledge can help such organizations better assure that their clients can access appropriate medical care and wrap-around services to support community living.
Organizations receiving funds via the Housing Opportunities for Persons With AIDS (HOPWA) and the Continuum of Care (CoC) programs should know the following items:
People who are homeless, living with HIV/AIDS, or have physical, intellectual or mental disabilities or substance use disorders may qualify for Medicaid coverage, or may become eligible in states that elect to expand their Medicaid program to single adults with incomes below 138% of the federal poverty level (FPL).
People with incomes between 138% and 400% of the federal poverty level may be eligible to obtain commercial insurance with income-based subsidies through their state’s health insurance exchanges.
In states that elect not to implement the Medicaid coverage expansion, some people may still be able to get commercial insurance through the insurance exchange.
Because of intermittent employment or other factors some people will move back and forth between Medicaid and commercial insurance coverage, and thus may need assistance applying for either or both at different times.
The Healthcare.gov website has direct links to commercial insurance options, and can provide online assistance for people wishing to enroll in commercial insurance after October 1, 2013.
The All Topics tab on the website home page includes information on:
Health insurance exchanges (marketplaces)
Other health insurance programs
The Other Health Insurance Programs tab includes:
Specific information on applying for Medicaid
Links to state Medicaid websites
Information relevant to American Indians, Alaska Natives, and Veterans
Under the Businesses tab there is specific information about opportunities for small businesses (including non-profit organizations) to increase reimbursement opportunities and to offer health insurance to employees through the Small Business Health Options Program (SHOP).
The full website is available in Spanish as well as in English.