Health Insurance Marketplace

The Marketplace is a new way to find health coverage. It has everything in one location to help you find health insurance that fits your budget and meets your needs, with less hassle. It's where you need to go to search, apply and enroll for health insurance coverage under the federal Affordable Care Act.

Essential Benefits
The plans are offered by private companies, but every plan in the Marketplace will offer these essential health benefits:

  • preventative and wellness care
  • hospitalization
  • prescriptions
  • emergency care
  • ambulatory services
  • maternity and newborn services
  • pediatric services including dental and vision
  • lab services
  • mental health and substance abuse services
  • rehabilitation

In addition, insurers will cover 100 percent of the cost of many preventative services, such as wellness visits, immunizations, and screenings for cancer and other diseases. That means you will not pay a deductible, copayment or co-insurance for these three services.

Four levels of coverage are available. The differences are in what you pay for a service and the monthly cost of the plan. A fifth option is only available for certain groups, such as young people and those with extreme financial hardship. Called catastrophic plans, these plans will offer the same essential benefits, but have significantly higher deductibles and lower premiums.

Comparison Shopping
No matter where you are, you'll be able to compare your health insurance options in the Marketplace and find the right health plan for you. The Marketplace provides clear information and details about benefits and prices in language you can understand. That way, you'll know what your premiums, deductibles and other costs will be before you make a choice.

It's easy. You just create an account and enter information about you, including income and household size. Then you'll be able to see all of the plans for which you are eligible and can compare them side by side. Then, when you're ready, you select a plan and enroll. It's that simple.

Enrollment begins October 1, 2013 and runs through Mrach 31, 2014. Coverage can start as soon as January 1.

Once you've decided on a plan, you can enroll directly with the Marketplace beginning October 1. There's also a toll-free number (1-800-318-2596) with trained representatives available 24 hours a day if you want to speak with someone.

For more information here at NCC, please contact John Koretski @ (610) 332-6161 ( in the Admissions Office or Rachel Benko @ ((610) 332-6326 ( in College Center 203.

© Northampton Community College 3835 Green Pond Rd Bethlehem, PA 18020 610-861-5300