October 14

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dn the

dailynebraskan.com

monday, october 14, 2013 volume 113, issue 036

Inside Coverage

Cornhusker Native communication storytellers Speech team shares stories of travels, success

5

Morrill Hall hosts cultural celebration

3

Nebraska defense dominates Purdue

10

Some of the estimated 15,000 Nebraska fans who made the trip to the Purdue game, cheer during the Huskers’ 44-7 victory in West Lafayette, Ind., Saturday.

W BE OM NE EN FIT ’S S

Insurance ensured As the Affordable Care Act rolls out, Nebraskans insured and uninsured wonder what’s in store.

EM IN P M DIV LOY AN ID E DA UA R & TE L S

Story by Whitney Carlson | Art by Inga Johanssen

E

ver since learning a close friend was diagnosed with an autoimmune disorder last year, Drew Worster ’s been worried about getting

sick. The junior broadcasting pro-

duction major has been uninsured for four years. If something similar happened to him, the 21-year-old said, he’d be up to his neck in medical bills.

Worster said he’s wanted health care coverage all along, but after his dad dropped him from his insurance plan for financial reasons, he could never afford the premiums on his own. Now with the expanded insurance coverage offered through the Affordable Care Act, he says, health insurance is finally starting to seem within financial reach. The only problem: the new law’s details are time-consuming and little confusing, Worster said. Like many young Americans, he has questions about the Affordable Care Act — President Barack Obama’s signature legislation that was enacted in March 2010 and is commonly referred to as “Obamacare.” Disagreements regarding the law have led to a nearly two-week-long federal government shutdown after members of the United States House of Representatives couldn’t agree on a budget that would fund it. The shutdown is the

Prices should not render young adults unable to prevent health risks.” alex langley

enroll america employee

first of its kind since 1996. The Affordable Care Act requires all Americans to enroll in health insurance, a task that can be daunting for students buying coverage for the first time. Those who do not sign up will be fined by the government, one of the more hotly contested aspects of the legislation. According to Get Covered America, the 2014 penalty will be about $95 for an adult. It will increase to around $325 in 2015 and $695 in 2016. People must sign up for coverage by Dec. 15, 2013, to receive insurance through the Affordable Care Act beginning Jan. 1, 2014. Open enrollment lasts until March 31, 2014; people who don’t sign up by then will be fined. To smooth the program’s transition to public usage, numerous websites and organizations are dedicating time to distributing information about the law and helping people sign up through the health care exchange. Worster said the first time he went to healthcare.gov for help, the site crashed. And then, when the federal government’s online health insurance marketplace did load, it failed to give him a clear picture of his options. “Most news stories just focus on the debate, not how it affects people,” Worster said. I’m still confused on the details and billing stuff.” To combat some of the uncertainty people might have about the new law, local groups such as Nebraska Appleseed have devised specific health care outreach programs. Nebraska Appleseed is working with organizations such as Enroll Nebraska, AARP, Nebraska Health Care Association and the Nebraska AIDS Project. These organizations are focused on helping people enroll in health insurance and are a good place for someone to ask questions, said James Goddard, the director of the Nebraska Appleseed Health Care Access program.

“Our goal is to work to ensure that all Nebraskans can have access to affordable health care,” Goddard said. “We’re doing a lot of work around trying to collaborate with statewide partners to help different groups get the resources that they need.” Goddard said the sweeping changes wrought by the Affordable Care Act can work to young people’s advantage if they can simply understand them. “It’s a completely new world for health care,” Goddard said. “There are so many more options for young people considering getting insurance. Just check it out to see what’s available.” As executive director of Community Action of Nebraska — a group that received a grant from the U.S. Department of Health and Human Services to fund a statewide network of Marketplace Navigators – Roger Furrer is charged with helping families and individuals enroll in health insurance under the Affordable Care Act. Furrer said there are numerous opportunities for young adults through the Affordable Care Act, including access to care through the marketplace, parents’ insurance, employers’ coverage or a university plan. Under the health care law, young adults can stay covered under a parent’s insurance until age 26, even if the person is married and financially independent. “For people whose parents aren’t covered or someone who has no parents, there are provisions under the ACA that would allow to them to gain access to special coverage,” Furrer said. “For folks who are in good health but want coverage in case of an accident, there are special plans for those under the age of 30.” These so-called catastrophic plans will have a high deductible but cover emergency care. Goddard said that now, health in-

COVERAGE FOR PRE-EXISTING CONDITIONS

HOW TO USE THE HEALTH INSURANCE MARKETPLACE 1. Go to healthcare.gov and click the “Apply Now” button. 2. Create an account First you’ll provide some basic personal information, including your address. Then you’ll choose a user name, password and security questions. 3. Apply You’ll enter information about yourself (and your family, if you have dependents). This information will include your income, household size and tax information. 4. Pick a plan Here’s where you go shopping. You’ll see all the insurance plans you’re eligible for and be able to compare them side-by-side. This is also where you’ll find out whether you qualify for lower costs or extra financial aid. 5. Enroll This is the last step. You’ll choose a plan that fits your needs and enroll in it. If you enroll by Dec. 15, your coverage will start on Jan. 1, 2014.

health care: see page 2

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