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How to Apply for Obamacare as a Senior

“What do I need to apply for Affordable Care Act benefits as a senior?” Discovering how to enroll in Affordable Care Act insurance coverage is one of the most frequently asked questions by prospective applicants. Knowing where to apply for the Affordable Care Act along with ways in which to submit an ACA application is beneficial for potential petitioners. Many applicants who hope to make the application process as seamless as possible ask, “Can I apply online for ACA insurance?” There are currently five ways in which a senior can apply for ACA program benefits. Depending on the option that best suits their needs, applicants will be able to enroll in coverage during the Open Enrollment Period or during a Special Enrollment Period if they qualify. To find out what is needed to sign up for Obamacare and more details about obtaining ACA insurance coverage, continue reviewing the sections below.

How To Enroll In Affordable Care Act Benefits

Seniors learning how to apply for Obamacare insurance will discover there are many to submit an application. The five ways eligible senior applicants can apply for Obamacare benefits include via online, by phone, with help in-person, through an insurance agent or broker and by mail. The way in which an applicant chooses to enroll in Affordable Care Act coverage will be entirely up to him or her. Learning how to get Obamacare online might be the most straightforward and convenient option. Applicants are able to submit an application from the comfort of their home and the steps are simple and easy to follow. All that is needed to apply online for ACA insurance is to create an account through the Health Care Marketplace or log in to an already existing account. The online application for ACA benefits will ask questions to determine eligibility and provide options for health insurance plans.

Enrolling in Affordable Care Act benefits by phone allows for a senior to be assisted over the telephone by a customer service representative. The representative will aid callers in enrolling in an ACA insurance plan by assisting with application completion and reviewing the choices available and enrolling in coverage. This is a useful option for who want to apply for Obamacare and have questions about their eligibility for other health care assistance programs provided by the government. Seniors will need to contact the Marketplace Call Center directly to apply.

Learning how to enroll in Affordable Care Act benefits in person is a popular choice for many seniors who seek to have a representative assist them. An applicant choosing in-person enrollment will need to know where to apply for the Affordable Care Act and will need to visit one of the Marketplace-trained representatives in the area. A specially trained representative will assist in filling out the application and enrolling in coverage on the spot. Seniors who prefer in-person help should bring with them all the documents and information needed for the ACA application process.

Many applicants choose to purchase ACA program health insurance through an agent or broker, as this option allows for an agent or broker to choose tailored options to best suit the applicant. Choosing this option to enroll in Affordable Care Act benefits will not be more or less expensive than any other option. However, some may only be selling particular companies’ plans. Applicants will need to find the local agents and brokers within their area who may help.

Learning how to apply for Obamacare insurance by mail will involve first accessing the paper application for benefits. Applicants will need to get an Obamacare application form online or pick one up in person. After completing the application, petitioners it will need to sign and mail it to the Health Insurance Marketplace Department of Health and Human Services. Postage rates will apply. Applicants can expect to hear back within one to two weeks of receiving the application. To find out more information regarding how to enroll in the Affordable Care Act benefits, download our helpful guide today.

What is needed to sign up for Obamacare?

Discovering what is needed to sign up for Obamacare before beginning the application process is beneficial to senior applicants. Part of knowing how to enroll in Affordable Care Act includes having the information and documentation needed to complete the application. To apply for Obamacare insurance, senior applicants will need to have the following information readily available:

  • Social Security Numbers (or necessary document numbers)
  • Citizenship status
  • Current job status
  • Employer and income information for each household member
  • Policy numbers for any current health care insurance
  • Information regarding any job-related health insurance options available

The information gathered for the ACA application will be used to determine coverage options and insurance costs will be applicable. Applicants will need to include as much information regarding a spouse or children as possible, especially if they are included on the applicant’s federal income tax return. Information involving unrelated people within the household, children not on the federal tax return and parents or adult siblings who live in the same household will not need to be included to sign up for Obamacare. To find out more information involving how to enroll in the Affordable Care Act as a senior citizen and where to apply for the Affordable Care Act benefits, download our comprehensive guide today.