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Health experts answer questions about health insurance

The ACA deadline is just days away. Know this before you select a plan

GREENSBORO, N.C. — Time is running out — the deadline to apply for the Affordable Care Act is Jan. 15.

We asked experts: What do you need to know about ACA, Medicaid, and Medicare as well?

Here's what they said. 

How do you sign up?

To be accepted for ACA, you must meet certain qualifications.
Costs vary depending on the plan you choose and where you live, but you may be able to qualify for help from the government in the form of tax credits and/or the ability to minimize out-of-pocket expenses. 

Healthcare.gov is the best resource. You have until Dec. 15 to sign up for your benefits to begin on Jan. 1, 2024.

For Medicaid, you can apply in person at the local DSS office, or you can apply online through a website called ePASS. To apply you'll need your social security number or in some cases your immigration documents, proof that you live in North Carolina like an electric bill, and information about your income like a W-2 or a tax return. 

How much does it cost?

A big question online from people is: how much are the monthly premiums and copay with Medicaid? According to the state, "You do not have to pay any monthly premiums. Medicaid pays the cost of most healthcare services. The highest copay is $4 and that is only required for some services."

Can you have Medicare and receive Medicaid expansion?

According to the state's website: "No. Some people who have Medicare coverage may be eligible for other existing Medicaid programs. For example, people who are disabled and are 64 and under may be eligible for Medicaid through disability coverage."

How long does it take?

If you think you might qualify, apply as soon as possible because it can take more than 40 days to be fully enrolled.

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