Frequently Asked Questions
Click on a category to find a FAQ.
What is the Exchange and how will it benefit me?
The Exchange is an online marketplace where people will be able to shop for and purchase health insurance coverage. The Exchange will help Mississippians who have had trouble finding health insurance in the individual market and will help some Mississippians by providing financial assistance (subsides) to help pay for health insurance coverage.
When will the Exchange open in Mississippi?
Who will be able to purchase insurance through the Exchange?
Access to Exchanges will be limited to U.S. citizens and legal immigrants. Small businesses with up to 100 employees can purchase coverage through the Exchange.
Who will be eligible for Medicaid in 2014?
If Mississippi chooses to expand Medicaid, people with incomes up to 133% of the Federal Poverty Level (About $15,000 for an individual and about $30,000 for a family of four) will be eligible to enroll in Medicaid. As of January 2014, Mississippi has not chosen to expand Medicaid. Learn more about Medicaid expansion in Mississippi here.
How can I sign up for health insurance coverage through the Pre-Existing Condition Health Insurance Plan?
Visit the Pre-Existing Condition Insurance Plan website or call Health Help Mississippi, 1.877.314.3843, for assistance
I’ve heard that young adults up to age 26 can stay on their parent’s health insurance plan? Is this true?
Yes. Young adults between the ages of 18-25 can stay on their parent’s health insurance coverage even if they’re married, don’t live at home, are not dependents, etc. There are some exceptions, so check with your insurance provider to see if this option is available to you.
Will my insurance be required to cover preventive services?
If your health insurance plan is new or has been renewed since September 23, 2010, your insurance should cover preventive services such as mammograms, colonoscopies, and well-woman exams without cost-sharing. Check out this fact sheet from healthcare.gov to learn exactly which preventive services are available to you.
Where can I get help if I have questions about my health plan right now?
Call Health Help Mississippi for help with your health insurance questions. Their number is 1.877.314.3843. Visit their website at healthhelpms.org.
Who will be eligible for financial assistance to help pay for health insurance?
People who make up to 400% of the Federal Poverty Level (about $43,000 for an individual and $88,000 for a family of four) will be eligible for assistance as long as they do not qualify for public assistance or military coverage. Individuals who have access to insurance through their employer will only be eligible for coverage through the exchange if their share of health insurance premiums is more than 9.5% of their income.
What other provisions are in place to make insurance more affordable?
Mississippi has the authority to review any health insurance premium increases over 10% to see if they are reasonable. This will hold insurers accountable. Additionally, federal law requires that most health insurance companies spend at least 80% of premium dollars on health care and administrative costs. There are also other various administrative changes that will help with health care costs.
Does the new health care law affect me if I am a Mississippi senior on Medicare?
Health reform will not affect any of the current benefits that you receive. It will, however, gradually close the donut gap and lower prescription costs for those currently in the donut hole.
How are small businesses affected by health care reform?
The Affordable Care Act is helping small business owners offer health insurance to their employees by offering tax credits to owners who provide insurance to their employers. Health reform will also create a Small Business Health Insurance Options Program where small business owners can easily shop for health insurance for their employees. Find out more about how small businesses will be affected by health care reform by visiting the Small Business Majority’s website.