Those who aren’t covered by some other means, can shop four levels of plans through the exchange, including bronze, silver, gold and platinum.
Plans with lower premiums will have higher costs when using the coverage and vice versa.
Those ages 21 through 30 will also have catastrophic plans available through the exchange with high deductibles for those who don’t often use healthcare providers.
Many people will qualify for reduced costs through tax credits that are automatically applied to monthly premiums based on income level.
Those who are eligible for insurance through an employer can use the marketplace but won’t qualify for lower costs based on income unless the insurance is unaffordable or doesn’t meet minimum requirements.
All the plans will offer the same essential benefits covering doctors, medication, hospitalization and preventative services but will have some differences, as well. Health insurance plans won’t be able to refuse coverage or charge more because of pre-existing conditions.
Quotes on health coverage plans aren’t available until an application is completed.
It appears that the two main insurance companies offering coverage through the exchange in Parker County are Cigna and Blue Cross Blue Shield, according to Orcutt.
Weatherford Regional Medical Center and Lonestar Medical Group doctors will be accepting both insurance providers, Orcutt said. It will be up to other local doctors which insurance companies they work with.
Each plan must provide a link to the health-care providers in their network, according to Orcutt.
Those who enroll through the marketplace by Dec. 15 should be covered by Jan. 1, though enrollment will be open through March 31.
More than a week after the website was unveiled, using the online marketplace still appeared to be difficult and time-consuming Thursday.
Though there did not appear to be a wait time Thursday afternoon and the application itself was straightforward, requiring basic information such as social security numbers and income information, other issues plagued the process.