Exemptions to the Individual Mandate
There are some cases where there is no penalty to not having coverage.
If you have a current agent or company, use them. You can go to them for coverage through the Health Insurance Market or outside it.
When you contact the Health Insurance Marketplace, you’ll have the option to contact a navigator. They are specifically trained to help you choose the best health coverage or insurance product for your needs.
Certified Application Counselors also are available through trusted community health centers, other health care providers, hospitals, or many social service agencies.
When you are buying a plan, make should be sure you’re given a “Summary of Benefits and Coverage” (SBC).
This form also should be available through the Marketplace here.
The SBC indicates whether a particular insurance plan provides “minimum essential coverage.”
If someone comes to your home, calls you out the blue, or sends you an email offering health insurance at a terrific price, be cautious!
Remember this simple formula: STOP - CALL - CONFIRM
Ask the person for identification and a phone number where they may be reached later.
If the person says no for any reason or tries pressuring you into signing any document: hang up, close the door, or walk away.
You should NOT give your Social Security number or a credit/debit card number to anyone unless you personally know the individual. Likewise, you should NOT sign any paperwork or write a check.
You should then contact the Kansas Insurance Department or the Health Insurance Marketplace.
The insurance company or agent must be licensed with the Kansas Insurance Department before they can sell coverage and counsel you about the Health Insurance Marketplace.
The department also will have information about federally registered navigators.
Consumers should always confirm that the company or agent is authorized. Whether it be a navigator, agent, or counselor always confirm.
Do this before you sign any documents or give any personal information.
Remember that if something seems too good to be true, it usually is.
This article is published on KansasMoney.gov. Find more information by contacting these state agencies: