The Affordable Care Act requires health insurance to be available to everyone, including those people who were previously denied individual health insurance. This means health insurers will no longer be able to deny coverage. Since MCHA was put into place to provide coverage for people who had been denied coverage for health insurance, MCHA will be going away.
As of October 1st, 2013 MCHA participants are able to look at plans on MNsure, the Minnesota Insurance Exchange, as well as private individual insurance since they can no longer be denied. After January 1st, 2014 people will no longer be able to apply to MCHA and should instead apply directly to MNsure or to private individual insurers.
If you are currently on MCHA and decide to stay on MCHA you may continue coverage until December 31st, 2014. After this the MCHA plan will no longer be available and all current participants must find other coverage.
If you would like to choose other coverage, it is now an option. Morgan Planning Group, LLC is here to help. We are a broker with both MNsure and in the private insurance market and will be able to help you find the coverage that is right for you.
If you are currently on MCHA and would like to look at other options, please contact us.