Plans purchased on the Marketplace are just like regular private plans and doctors or clinics won't treat them any differently.
However, just like a typical private plan today, not all doctors will accept every plan. If being able to see a certain doctor is important to you, you will be able to verify if they are "in-network" before you purchase your plan.
I'm a small business owner. Will I have to offer health
insurance to all of my
Any business with fewer than 50 full-time employees is not required to provide health insurance for its employees. However, you can use the Small Business Health Options Program, or SHOP, to offer your employees coverage.
If you have less than 25 employees, you may qualify for significant business tax credits if offering insurance through the SHOP Marketplace.
I'm still confused. Who do I contact to get help?
Many people around the state have been trained to assist people in getting enrolled. You can search a list of these people to assist by county online at bewv.wvinsurance.gov and click "Where Can I Find Local Help?" There is also a national toll-free hotline at 1-800-318-2596.
In short, Obamacare is subsidized private insurance plans and expanded Medicaid for low-income households.
The additional regulations protect consumers by ensuring that health insurers offer plans that meet minimum requirements like primary care, prevent insurers from charging you more due to gender or previous illnesses, and prohibit insurers from setting annual or lifetime limits on the care you receive.
There will be many bumps along the way, just as there are with any large policy change, but over time they will become smoother and the debate over Obamacare will fade away as millions of Americans and hundreds of thousands of West
Virginians gain health insurance.
Brandon Merritt is health policy analyst for the W.Va. Center on Budget and Policy. Read his health care blog at www.wvpolicy.org.