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.
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: