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Iowa Residents have New Health Insurance Options

Beginning January 1, 2014, individuals will be required by federal law to purchase health insurance.

Liz Norgaard and Marjean Westerman have completed their certification to sell the new health insurance plans available on the Federally Facilitated Marketplace, bringing residents of Iowa a number of new health insurance options.

The Marketplace, formerly referred to as the Exchange, is where consumers can now go to purchase government approved health insurance and learn if they are eligible for premium subsidies. The Marketplace launched on October 1, and the initial election period lasts through the end of March 2014. During this time, individuals and families may purchase insurance.

The Marketplace presents many new opportunities to individuals and families. If you've been denied coverage before, that won't happen again. The new law guarantees coverage. If you couldn't afford coverage before, you might qualify for subsidies to help pay your premiums now. If you are 26 and transitioning off your parent's plan, there are options for you as well. It can be extremely beneficial to ask and find out what you qualify for.

Liz and Marjean are contracted with two carriers offering individual and family plans in the new Iowa Marketplace: Coventry Health Care and CoOportunity Health. These plans will be available statewide and individuals will have four levels to choose from: Bronze, Silver, Gold and Platinum; each will offer the same essential health benefits.

"There is a lot of information in the law for consumers, these plans can be confusing," agree both Liz and Marjean. There are multiple plan options, along with new opportunities for premium subsidies. It takes time to find out what works best for each individual and to see what he or she could qualify for. That is why we are here.

During the Marketplace enrollment period, individuals can call Liz Norgaard or Marjean Westerman at 712-928-2449 to have their health insurance questions answered.