This past year, under the reign of one pussy-grabbing cheeto who shall not be named (his name is more triggering to me than any cuss word I’ve ever heard), we have seen human rights violations committed against almost every single demographic. Muslim and Middle Eastern peoples were actually banned from travelling to the U.S. Discrimination against the LGBTQIA community was made legal. Immigrants and their children are being deported. And women are losing any and all autonomy over their bodies. But there is one human right that is being attacked at a higher frequency than any other and it affects every single group of people: the right to healthcare.
Before he even took office, our cheeto-in-chief began laying the groundwork to systematically dismantle the Affordable Care Act, also known as Obamacare. However, it seems he is about as effective at repealing Obamacare as he is at releasing his tax returns: in other words, it’s just not happening. He and his administration have tried twice and failed twice to repeal the ACA. It would seem the American people are actually in favor of a healthcare plan that has increased coverage for millions of people, lowered insurance costs, and prevented insurance companies from refusing individuals with pre-existing conditions. Who would have thought!
However, although the cheeto was unable to replace Obamacare with his own plan—which was actually nothing more than a thinly veiled tax-cut for the rich—that doesn’t mean he's stopped trying to prevent people from getting coverage. Open enrollment for Obamacare started November 1 and ends December 15, 2017; however, few people are privy to this knowledge because the cheeto has slashed advertising for it. But fear not: your friends at Adolescent want you to get health insurance even if your president doesn’t. Check out our how-to guide for enrolling in Obamacare below!
1. Explore Your Options
The first step for enrolling in Obamacare is to explore your healthcare plan options. Each state has what is called a health insurance market. It’s basically a virtual store where all the insurance companies compete for your business by offering a variety of healthcare plans. Based on where you live, what your age is, how many people are in your family, and what your gross annual income is, you will be given several options to choose from. You can find your state’s health insurance marketplace here.
2. Compare Plans
The next step is to figure out which one of those plans works best for your body, wallet, and situation. The marketplace is designed to provide you with multiple plan options to choose from, so be sure to shop around for awhile. Plans range from bronze to platinum, with bronze being the cheapest with the least amount of coverage, and platinum being the most expensive with the most amount of coverage. Be sure to do your research on how health insurance works, so you understand what a deductible is, what PPO vs HMO means, and if the insurance company you’re getting the plan from suits your needs.
Once you’ve figured out which plan is the best for you, the next step is to apply. You will first be asked to create an account so that you can go through the application process. You will need the following materials/information to complete your application: your ID, proof of citizenship or lawful presence, social security number, zip code, and income information. Is the application stressing you out? Fret not! The website for your marketplace will also include links to enrollment centers or numbers you can call for professional assistance throughout the application process. They’ll help you get through it without too much trouble.
4. You Did It!
You will be given the option to pay your bill online or via mail, so set up your payment options to your liking. Then throw yourself a little party: thanks to Obamacare, your health is officially insured! Woo!
REMEMBER: open enrollment for Obamacare ends on December 15, 2017. Help spread the word so everyone who needs insurance can get it! We're all in this together and need to help each other in any way that we can!
This article was originally published on November 14.