Do you need help understanding your health insurance options? Central Missouri Community Action can assist you! Our trained and licensed Certified Application Counselors offer the following free services:
✓ One-on-one enrollment and re-enrollment assistance for the Health Insurance Marketplace
✓ Post-enrollment assistance with using your health insurance
✓ Presentation explaining the Affordable Care Act and Health Insurance Marketplace
✓ Presentation on how to understand your health insurance
✓ Information booth at health fairs or local festivals to educate attendees on the Health Insurance Marketplace
When can I apply?
Special Enrollment Periods are available throughout the year within 60 days of any of these qualifying life events: Marriage, have or adopt a baby, becoming lawfully present in the U.S., release from incarceration, moving out of the Medicaid Gap, and loss of health insurance coverage.
The next Open Enrollment Period for the Health Insurance Marketplace is November 1, 2018 to December 15, 2018.
Who qualifies for tax credits and cost sharing?
Advance Premium Tax Credits are available to help eligible people pay their monthly health insurance premiums. Cost Sharing Reductions lower out-of-pocket costs such as deductibles, co-pays, co-insurance, and out-of-pocket maximums.
Find your estimated 2018 gross family income and the total number of individuals in your tax household in the charts below to see if you qualify for Advance Premium Tax Credits and Cost Sharing Reductions.
|Family Size||2018 Yearly Income|
|1||$12,060 - $48,240|
|2||$16,240 - $64,960|
|3||$20,420 - $81,680|
|4||$24,600 - $98,400|
|5||$28,780 - $115,120|
|6||$32,960 - $131,840|
|Family Size||2018 Yearly Income|
|1||$12,060 - $24,120|
|2||$16,240 - $32,480|
|3||$20,420 - $40,840|
|4||$24,600 - $49,200|
|5||$28,780 - $57,560|
|6||$32,960 - $65,920|
If you do not have access to quality health insurance at an affordable cost, you may be eligible for an exemption from the penalty for not having health insurance. Other circumstances may qualify you or your family members for an exemption. Click here for more information.
Where and how can I make an appointment?
- Certified Application Counselors can meet with individuals in: Audrain, Boone, Callaway, Cole, Cooper, Howard, Moniteau and Osage counties.
- Appointments can be made to meet Certified Application Counselors in any CMCA office, local library, or public location where Wi-Fi is available. Appointments can also be made for in-home visits on a case-by-case basis.
What to bring to an enrollment appointment?
- Active email address and its password
- For everyone in the household:
- Social Security numbers
- Income information (W-2s, pay stubs, self-employment records, etc.)
- Any information about employer-sponsored health insurance
- Checking account information or debit/credit card to make first premium payment
- Immigration documents (if applicable)
What are some good resources?
- CoverMissouri.org: a project of the Missouri Foundation for Health (MFH) to promote quality, affordable health coverage for every Missourian.
- HealthCare.gov: information available in multiple languages on the Health Insurance Marketplace, Small Business Health Insurance Options Program (SHOP), Medicaid, Medicare, the Children’s Health Insurance Program (CHIP), fees, and exemptions.