Medicaid will end for millions of Americans in the coming months, pushing many into unfamiliar territory: the health insurance marketplace. The search for affordable insurance can be daunting, but it helps to start with a plan.
States are already verifying eligibility. Some, like Arizona, Arkansas and Idaho are expected to start ending coverage for ineligible people in April. Most states will be doing that in May, June and July.
Individual insurance differs from Medicaid in several ways. Some marketplace plans come with a big deductible that people must pay before most coverage starts. Individual insurance also groups hospitals and doctors in networks. The insurance may cover much less of the bill for care received outside those networks. Shoppers should learn how any regular doctors and medications are covered before enrolling in a new plan.Individual insurance also can give people more care choices. Many doctors don’t accept Medicaid, and states may pay for only a limited amount of prescriptions.
“Everyone should do that before April,” said said Joshua Brooker, an independent broker based in Lancaster, Pennsylvania. “It’s going to make a smoother transition.”
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