Health Insurance Marketplace - Crozer-Keystone Health System - PA

Health Insurance Marketplace

The Health Insurance Marketplace, a source of information about consumers' health insurance options as well as an enrollment portal for Pennsylvanians, is available at Healthcare.gov.

Important Dates

New open enrollment dates for the Health Insurance Marketplace run from Nov. 1, 2015 to Jan. 31, 2016.

  • Nov. 1, 2015: Open Enrollment starts — first day you can enroll in a 2016 insurance plan through the Health Insurance Marketplace. Coverage can start as soon as Jan. 1, 2016.
  • Dec. 15, 2015: Last day to enroll in or change plans for new coverage to start Jan. 1, 2016.
  • Jan. 1, 2016: 2016 coverage starts for those who enroll or change plans by Dec. 15.
  • Jan. 15, 2016: Last day to enroll in or change plans for new coverage to start Feb. 1, 2016
  • Jan. 31, 2016: 2016 Open Enrollment ends. Enrollments or changes between Jan. 16 and Jan. 31 take effect March 1, 2016.
  • No enrollment deadlines for the SHOP Insurance Marketplace (Small Employers).
  • No enrollment deadlines for Medicaid or the Children's Health Insurance Program (CHIP). You can apply anytime.

If you don’t enroll in a 2016 health insurance plan by Jan. 31, 2016, you can’t enroll in a health insurance plan for 2016 unless you qualify for a Special Enrollment Period.

See a full list of plans and programs that meet the health law’s coverage requirements on the www.healthcare.gov website. Some people qualify for an exemption from the fee based on income or other situations.

Are You Required to Buy Coverage?

Use this handy guide to help you determine whether or not you are required to buy health insurance coverage under the Affordable Care Act.

Learn more: Marketplace Eligibility Quick Guide [PDF]

Explore Your Options

  • If you have job-based health insurance you like, you can keep it. You may be able to change to Marketplace coverage if you want to.
  • You can ask your employer if it plans to offer health insurance. If not, you may need to get insurance through the Marketplace or from other sources in 2015. If you don't have coverage, you may have to pay a fee.
  • If you run a small business, you can go to the Small Business Health Options Program (SHOP) Marketplace to find out about providing coverage for your employers.
  • If you have Medicare or Medicaid, you're already covered and don't have to make any changes.

Insurance Companies

Individual Marketplace

For the Individual Marketplace, there are three companies offering products in Southeastern Pennsylvania:

Company Name
Product Type
CKHS In-Network?

AETNA

HMO/PPO/POS and a new tiered network product “LEAP”

YES-CKHS participates in each product and is a tier 1 (low cost) provider in the LEAP products

Independence Blue Cross

HMO/PPO/POS and a tiered network product – “PROACTIVE”

YES-CKHS participates in each product and is a tier 1 (low cost) provider in Proactive

United

Compass (Limited Provider Network PPO plans)

NO - CKHS is not a participating provider in Compass products

SHOP Marketplace

For the SHOP (small employer) Marketplace, there are two companies offering products in Southeastern Pennsylvania:

Company Name
Product Type
CKHS In-Network?

Independence Blue Cross

HMO/PPO/POS Small Employer Plans and a tiered network product “PROACTIVE”

YES- CKHS participates in each product and is a tier 1 (low cost) provider

United Healthcare

POS Small Employer SHOP plans under the name “Navigate”

YES - CKHS participates in each product and is a tier 1 (low cost) provider

Prepare to Apply

The Marketplace offers different types of health plans to meet a variety of needs and budgets. You will need to figure out how much you want to spend on health coverage each month.

Most people using the Marketplace will qualify to save money. To find out how much you're eligible for when you apply, it will help to have these items close by:

  • Social Security numbers (or document numbers for legal immigrants)
  • Birth dates
  • Pay stubs, W-2 forms or Wag and Tax Statements
  • Policy numbers for any current health insurance
  • Information about any health insurance you or your family could get from your jobs.

How to Apply or Renew?

Go online to the Health Insurance Marketplace at http://www.healthcare.gov

Need Help?

Our financial counselors help you learn the basics of health coverage, compare coverage options and select the plan that best fits your budget and needs. To ask a question or request information, send an email to FinancialCounselor@crozer.org.

You can contact the Health Insurance Marketplace directly by phone 24 hours a day, 7 days a week at 1-800-318-2596 (TTY: 1-855-889-4325).

Need Help?

Contact a Crozer-Keystone financial counselor for help learning the basics of health coverage, comparing coverage options and selecting the plan that best fits your budget and needs.

Patient Portals

Crozer-Keystone patient portals make it easy for patients to securely access their inpatient and outpatient results and also view and pay bills online.

My CKHS Account

View and pay your CKHS bills online - comfortably, easily and securely.

Pay My Bill