Affordable Health Insurance Since 1993

Frequently Asked Questions

Enroll by January 16 Deadline

At the Missouri Insurance Exchange, we are committed to helping Missouri residents understand and enroll in the Affordable Care Act, also known as Obamacare. On this FAQ page, we address a wide range of questions you might have about Obamacare, from the basics of what it is to its impact on individuals and the community. Whether you’re curious about enrollment, healthcare providers, concerns, or benefits, we’re dedicated to helping you navigate the complexities of healthcare and make informed decisions.

Answers to These FAQs

Is it REALLY free?

Yes, we’re serious. Our services are really free! As a Missouri resident, there is no charge to use our services. Missouri Insurance Exchange will never ask you for money! We are funded by participating insurance companies on the Health Insurance Marketplace.

Missouri Insurance Exchange - Care team

What is Obamacare?

The Affordable Care Act, also known as Obamacare, is a tax credit the government makes available to people to help them afford healthcare insurance. It is based on a sliding scale of help that uses your family size and income to determine the level of help you are entitled to.

The available plans are exactly the same as private healthcare plans available to the public for regular price. If you use the Marketplace, you are able to use your tax credit to help pay for most, if not all, of your monthly premium costs. Every year, there are about 100 plans for a person to choose from.

We are your Obamacare Outreach Office because we make enrolling easy!

Enroll by January 16 Deadline

Why should I consider enrolling in Affordable Care Act coverage through the Missouri Insurance Exchange?

Enrolling in a healthcare plan through the Missouri Insurance Exchange offers a host of advantages to ensure you make the best decision for your healthcare needs.

Unbiased Support

At the Missouri Insurance Exchange, we understand that healthcare decisions are a deeply personal choice. We are committed to providing unbiased information and support, recognizing that making informed decisions about your healthcare is crucial. We aim to empower you with the knowledge you need to choose the coverage that suits you best.

Understanding the Process

Navigating the world of healthcare coverage can be complex, and we’re here to simplify it for you. Our dedicated team of experts can help you understand the enrollment process. Whether you’re new to healthcare coverage or simply seeking guidance, our experts ensure you have all the information necessary to select the right plan that aligns with your unique needs. We walk you through the entire process.

Financial Assistance

Obamacare offers invaluable financial assistance, through tax subsidies, to reduce your healthcare costs. Through the Missouri Insurance Exchange, we can assist you in exploring these options to ensure you maximize your savings and access the coverage you need without breaking the bank.

Convenience

We understand that enrolling in healthcare coverage can sometimes seem daunting. Our experts are committed to making the process as convenient as possible. We’ll guide you through every step, answer your questions, assist with paperwork, and simplify the entire enrollment experience, ensuring you have peace of mind.

Legitimacy

It’s important to know that the Affordable Care Act is a legitimate government program designed to make healthcare accessible for all Americans. You can trust that the coverage and assistance provided through the Missouri Insurance Exchange are an integral part of this official initiative, ensuring you receive quality care and support.

Transparent Costs

Although we never charge a fee for our services, we believe in transparency when it comes to healthcare costs. Our mission is to provide clear and comprehensive information about the costs associated with different plans, guaranteeing no hidden fees or surprises. You’ll have a complete understanding of what you’re paying for, if anything at all.

Tax Filing

When we help you enroll in a healthcare plan, we have access to any tax papers you may need to file your taxes. You can pick them up at our office. You get them on the day you need them.

Enrolling in Obamacare doesn’t delay your tax filing; it’s a seamless process. In fact, we can ensure you meet all necessary requirements and deadlines without any hassle. Simply put, if you need a 1095 to file – we have it, today!

Enrolling in Obamacare through the Missouri Insurance Exchange is a straightforward and reliable way to access quality healthcare coverage, financial assistance, and expert support throughout the process. We’re here to make your healthcare journey as smooth and worry-free as possible.

Enroll by January 16 Deadline

Call Our Office

Talk to a real person who lives in the St Louis area.

Local & Trustworthy

  • We Never Ask for Money
  • Our Services are Completely FREE

Visit In Person

There is No Charge, Plus Free Parking!

  • Monday – Friday: 9 am – 6 pm
  • Saturday: 10 am – 3 pm

Quick Start

Fill Out This Form to Get Started 24/7

This field is for validation purposes and should be left unchanged.

Will I have to pay back money if I enroll in Obamacare?

No, enrolling in Obamacare does not mean you have to pay back the government for the premium tax credits or subsidies you receive to make your health insurance more affordable. These subsidies are designed to help people with lower incomes afford coverage.

However, if a person declares that they make way less money than they actually do, then that person shouldn’t have gotten as much help as a person that makes much less than them. In that case, the government will ask that person to pay the difference of what they should have received. Therefore, it’s crucial to report any major increases in your income or family size to the Marketplace promptly to ensure you receive the correct amount of financial assistance. We are here to help all year.

Enroll by January 16 Deadline

How can I enroll if I don't have transportation?

The Missouri Insurance Exchange understands that transportation can be a barrier for some individuals. You can enroll in Obamacare without the need for personal transportation.

You can call the Obamacare Outreach Center dedicated enrollment hotline, and our friendly staff will guide you through the process step by step.

Enroll by January 16 Deadline

Is Obamacare a welfare program?

No, Obamacare, officially known as the Affordable Care Act (ACA), is not a welfare program. This is for working people. It is a law that was enacted to help individuals and families access affordable health insurance coverage. It is a program designed to make private health insurance more accessible and affordable for a wider range of people. Not sure if you qualify? Try our short Income Calculator.

What if my doctor doesn't accept my Obamacare healthcare plan?

All doctors do not accept every insurance plan. If your current doctor does not accept your Obamacare healthcare plan, you still have options. You can:

  • Check with other healthcare providers in your network who accept your health plan.
  • Contact the Missouri Insurance Exchange for assistance in finding a doctor or healthcare facility that accepts your specific plan.
  • Consider switching to a different plan during the open enrollment period that includes your preferred healthcare provider in its network.
Man with his doctor

What if the deductible or copay is too high?

If you find that the deductible or copay for your Obamacare plan is too high for your budget, there are a few options:

  • Explore different plan options during the open enrollment period to find one with lower out-of-pocket costs.
  • Check if you qualify for additional financial assistance based on your income.
  • Consider enrolling in a plan with a Cost Share Reduction (CSR) if you are eligible; these plans often have lower out of pocket costs and can help you save on medical expenses.

Enroll by January 16 Deadline

Call Our Office

Talk to a Real Person Who Speaks English and Lives in the St Louis Area

Local & Trustworthy

  • We Never Ask for Money
  • Our Services are Completely FREE

Visit In Person

There is No Charge, Plus Free Parking!

  • Monday – Friday: 9 am – 6 pm
  • Saturday: 10 am – 3 pm

Quick Start

Fill Out This Form to Get Started 24/7

This field is for validation purposes and should be left unchanged.

What are some common concerns related to Obamacare enrollment?

Transportation

We understand that lack of transportation can be a significant concern for many individuals. However, rest assured that it should not be a barrier to enrolling in Obamacare through the Missouri Insurance Exchange. We offer remote assistance options, allowing you to complete the enrollment process from the comfort of your home. Our team is here to guide you through every step, ensuring that you have access to the healthcare coverage you need, regardless of your transportation situation.

Misconceptions

There are often misconceptions surrounding Obamacare, with some believing it to be a welfare program. It’s important to clarify that Obamacare is not welfare; it’s a government program designed to help you access affordable healthcare coverage. It focuses on making healthcare accessible and affordable for all Americans, providing financial assistance to those who need it most. Our experts are available to address any misconceptions and provide you with accurate information about how Obamacare works.

Choice of Doctor

One common concern is the choice of healthcare provider and whether your preferred doctor accepts your insurance plan. We understand the importance of continuity of care, and our team is dedicated to helping you find healthcare providers who accept your insurance plan. We can assist you in exploring different plans to ensure your preferred doctor is within the plan’s network, ensuring you can continue to receive care from a trusted healthcare professional. We are here to help.

Out-of-Pocket Costs

Concerns about out-of-pocket costs are entirely valid, and we’re here to address them. Our experts can guide you to insurance plans with lower out-of-pocket costs, helping you balance monthly premiums and expenses you might incur when accessing healthcare services. We’ll work with you to find a plan that aligns with your budget and healthcare needs, ensuring you receive the care you require without breaking the bank.

Enroll by January 16 Deadline

Why should I consider enrolling in Obamacare?

The primary reason to enroll in Obamacare through the Missouri Insurance Exchange is to ensure access to affordable healthcare precisely when needed. We believe that healthcare should be accessible to all, and here are some compelling reasons to consider enrolling:

Access for All

Obamacare has positively impacted the lives of many individuals and families across the country. By enrolling, you ensure that you and your loved ones have access to essential healthcare services. Whether you’re seeking routine check-ups, specialist care, or emergency services, Obamacare provides a safety net that ensures healthcare is within reach, regardless of your financial situation.

Preventive Care

Obamacare goes beyond just providing coverage for illness; it also emphasizes preventive care. Enrolling in Obamacare means you have access to important benefits like free women’s wellness visits and free birth control. These preventive services are designed to keep you healthy and address healthcare needs proactively, saving you both time and money in the long run.

Woman getting healthcare

Enrolling in Obamacare is not just about securing insurance coverage; it’s about securing peace of mind, knowing that you and your family have the support and resources needed to maintain good health and well-being. We’re here to assist you every step of the way, making the enrollment process straightforward and ensuring you make the most of the benefits Obamacare has to offer.

Enroll by January 16 Deadline

How does Obamacare benefit the community and individuals?

Obamacare brings significant benefits to both individuals and the community at large. Here’s how it positively impacts both:

Peace of Mind

One of the most significant advantages of enrolling in Obamacare is the peace of mind it provides. Life is unpredictable, and health issues can arise unexpectedly. By having Obamacare coverage, you ensure that you and your loved ones are protected during such unforeseen circumstances. Knowing that you have access to medical care when needed eliminates the stress and financial burden that can accompany health emergencies.

Community Health

Your decision to enroll in Obamacare extends beyond your personal well-being; it also contributes to the health of your family and community. When more individuals are covered, it creates a healthier and more resilient community. Preventive care and early intervention become more accessible, reducing the overall burden on healthcare systems and improving the well-being of everyone in the community.

Strengthens Community

Obamacare is built on the principle of collective support. By enrolling, you become a part of a broader effort to strengthen and enhance the health and well-being of our community. Together, we can create a community that prioritizes health, fosters resilience, and offers a safety net for those in need. Together we are strong.

Reducing Uninsured

Enrolling in Obamacare is crucial in reducing the number of uninsured individuals within our community. As more people gain access to healthcare coverage, it improves overall healthcare access and quality of care. This, in turn, leads to a healthier and more prosperous community where everyone has the opportunity to lead a fulfilling and healthy life. Health leads to wealth.

Enrolling in Obamacare through the Missouri Insurance Exchange not only benefits you as an individual but also contributes to the greater good of our community. It’s a win-win situation that fosters well-being, security, and access to quality healthcare for all. We move forward together.

Enroll by January 16 Deadline

What are the benefits of Obamacare enrollment with the Missouri Insurance Exchange?

Free Preventive Services

Obamacare includes a wide range of preventive services that are covered at no extra cost to you. These services are designed to keep you healthy and catch potential health issues early. Our team can help you understand the full scope of these preventive services, ensuring you take full advantage of the benefits available to you.

Your Civil Right

Enrolling in Obamacare is not just an option; it’s your civil right. It’s a fundamental step in safeguarding your health and well-being. We are committed to assisting you in exercising this right, ensuring that you have access to the healthcare coverage you need to lead a healthy and fulfilling life.

Locating a Doctor

Your choice of healthcare provider is essential. We can help you find healthcare professionals in your area who accept your insurance plan. Whether you have a preferred doctor or need recommendations for compatible healthcare providers, our team is here to assist you in making the right choice. If you need to find a doctor, we will help you.

Enrolling in Obamacare through the Missouri Insurance Exchange means you have a dedicated partner every step of the way. We offer personalized support, ensure you access to free preventive services, emphasize your civil right to healthcare, make enrollment quick and hassle-free, and assist in finding the right healthcare provider for your needs. Your well-being is our priority.

What about dental care?

Dental care is a crucial aspect of your overall health and well-being. While standard Obamacare plans do not include dental coverage, the Missouri Insurance Exchange is here to assist you in addressing your dental care needs. Here’s how we can help:

Health and Dental Insurance Coverage Cards

Dental Coverage

We understand the importance of dental health, and that’s why we can help you find affordable dental coverage that complements your healthcare plan. Whether you’re looking for basic dental services or comprehensive coverage, our experts can guide you to the dental insurance options that align with your needs and budget.

Tailored Plans

Your dental care needs are unique, and we recognize that a one-size-fits-all approach may not work for everyone. That’s why we offer tailored solutions. Our team will work with you to understand your specific dental care requirements, helping you select a dental insurance plan that provides the coverage you need for routine check-ups, cleanings, and any potential dental procedures.

Children’s Coverage

We also prioritize the dental health of children. In many cases, children may be eligible for Medicaid, which includes dental coverage. Our experts can help you navigate the options available for your children, ensuring they receive the dental care they need to maintain healthy smiles.

Can I enroll in Obamacare at any time, or are there specific enrollment periods?

Enroll by January 16 Deadline

Enrolling in Obamacare is generally subject to specific enrollment periods, but there are exceptions to be aware of. Here’s what you need to know:

Special Enrollment

Certain life events, such as marriage, having a child, or losing other coverage, can trigger special enrollment periods. During these special periods, you have the opportunity to enroll in or make changes to your Obamacare plan, even outside of the standard open enrollment period.

Personalized Assistance

In person assistance does not cost extra. The Missouri Insurance Exchange is here to provide you with personalized assistance and document support to simplify the enrollment process during both standard and special enrollment periods. Our experts can guide you through the steps required to secure the healthcare coverage you need.

Annual Renewal

You have to sign up again every year. It’s important to remember that your Obamacare tax credit needs to be re-certified annually to ensure continuous access to healthcare services. Our team can assist you in navigating the recertification process to avoid any disruptions in your coverage.

Income Eligibility

Eligibility for Obamacare subsidies is based on various factors, including household size and income. Our experts can help you determine if you qualify for financial assistance, ensuring that you access the maximum benefits available to you.

Income Changes

Changes in income can affect your eligibility for subsidies and the level of financial assistance you receive. Promptly reporting any income changes to the Missouri Insurance Exchange is essential to ensure you continue to receive the appropriate level of support.

Transitioning from Medicaid

If you’re transitioning from Medicaid to Obamacare, we can provide guidance and support to make the process as smooth as possible. Our goal is to ensure that you maintain access to healthcare coverage during this transition.
At the Missouri Insurance Exchange, we are committed to providing you with the information and support you need to navigate the complexities of Obamacare healthcare enrollment. Our goal is to ensure that you have access to quality healthcare coverage, regardless of your circumstances or the time of year.

If you have more questions or need assistance with Obamacare enrollment, please contact us.

We’re here to help you navigate the process and ensure you have access to affordable healthcare. Remember, your best guess estimate of next year’s income is all we need, and we’re here to make sure you get the coverage you deserve.

Enroll by January 16 Deadline

Call Our Office

Talk to a Real Person Who Speaks English and Lives in the St Louis Area

Local & Trustworthy

  • We Never Ask for Money
  • Our Services are Completely FREE

Visit In Person

There is No Charge, Plus Free Parking!

  • Monday – Friday: 9 am – 6 pm
  • Saturday: 10 am – 3 pm

Quick Start

Fill Out This Form to Get Started 24/7

This field is for validation purposes and should be left unchanged.

Please make sure to enter the correct income amount or you will be rejected

You will now be directed to our Online Enrollment Portal. Please make sure you use the amount below as your estimated income in portal. Any other amount may cause errors. If you have problems, please contact us.

Your estimated income is per year.

Please make sure to enter the correct income amount or you will be rejected

Be sure to use as your estimated income.

Use the Annual Income from our Income Calculator to make sure you are approved.