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Individual Health Insurance Applications

Filling out a health insurance application post-ACA is much easier. There are no medical history questions, aside from tobacco use. If you are eligible for federal premium tax credits or Medicaid, you will see financial questions to screen you for these programs.

You can complete an application online or paper form. You will only have to fill out one application, and from there your eligibility for premium tax credits and cost-sharing subsides will be determined. This year, to help make open enrollment 2015 go as smoothly as possible, Healthcare.gov has been working on their online enrollment process.

While all applicants will be required to answer some screening questions, about 70 percent of applicants are expected to be re-directed to a shorter, updated application. The remaining 30 percent with “more complicated household scenarios” will use the traditional Marketplace application.

Necessary Documents for Enrollment Application

When you apply for or renew your individual health insurance policy during open enrollment, you’ll need to provide information about your household, income, and insurance coverage. Individual health insurance applications no longer ask medical history questions, but the application will ask financial questions to qualify you for the premium tax credits. So for many people, filling out an individual application will feel like filing income taxes.

Gathering the necessary materials for open enrollment will make applying for coverage quicker and easier when the time comes:

  • Home and/or mailing addresses for everyone in your household who is applying for coverage.
  • Social Security Numbers for individuals in your household.
  • Documentation verifying legal immigration status, if this applies to your household.
  • Employer and income information for every member of your household. This may come in the form of pay stubs or W-2 forms.
  • Your best estimate of your household income for 2015.
  • Policy numbers for any current health insurance plans covering household members.
  • A completed “Employer Coverage Tool” for every employer-sponsored health insurance plan you or your household members are eligible for. The form should be filled out for every employer-sponsored health insurance plan you are eligible for-- not just the ones you are enrolled in.
  • If you have health coverage in 2014, notices from your current plan that include your plan ID.