Insurance 'marketplace' expected to launch Oct. 1 - WFLA News Channel 8

Insurance 'marketplace' expected to launch Oct. 1

Posted: Updated:
HERNANDO COUNTY, FL (WFLA) -

Cindy McNulty spends a lot of time trying to help pregnant women get health care and health coverage. But McNulty, a community liaison for Healthy Start Coalition of Pinellas County, doesn't have health insurance herself.

"I just feel like I'm living on the edge," McNulty said.

Although she gets physicals and traditional mammograms, she says she's avoided things like an expensive colonoscopy and a more advanced mammogram despite a concerning family history.

McNulty, 58, is hoping the new insurance "marketplace" launching in connection with the Affordable Care Act on Oct. 1 will be her answer to finding affordable coverage.

She is among 3.8 million Floridians who are uninsured. About 24.8 percent of residents under age 65 had no insurance in 2011, according to data released by the U.S. Census Bureau.

In addition to her salary from the non-profit, McNulty says she's given extra money to cover benefits, but the plan options she found were too expensive for her. Several years ago the estimate she got for coverage was $900 a month with a $1,000 deductible, she said.

Based on an online survey she took through the Kaiser Foundation, she thinks her options for premiums through the "marketplace" will be less than half that amount. Florida isn't running its own "marketplace" or "exchange," so she'll have to wait for the federal one to launch before she gets firm numbers.

BY THE NUMBERS: Check the subsidy calculator provided by the Kaiser Family Foundation

McNulty says she plans to be online and shopping for insurance "probably by 12:05" on Oct. 1.

News Channel 8 learned about McNulty through Melanie Hall, who serves as one of the new "navigators" designated to help people through the process of applying for and choosing an insurance plan.

The navigators program has been under fire in Florida, where Gov. Rick Scott has raised privacy concerns about the personal information they could handle, and where that information might end up. Hall said she's confident people's personal information will be safe.

"The federal government will be protecting this information the same way they're already protecting people's private information," she said.

While individuals signing up for insurance will have to put their social security number into the system, Hall says they won't have to give that information to a "navigator."

Once the info is in, some people will be eligible for discounts. Officially, they are "tax credits," but they can be applied immediately, according to information the government provides on healthcare.gov.

There are some misconceptions about who will qualify, Hall said.

"They tend to think this is a program only for low-income families," Hall said. "They don't realize 400 percent of the federal poverty level for a family of four goes up to $94,000. This is a middle income program."

Depending on income, some people will also be eligible for lower "out of pocket" costs insurance companies offer through the marketplace.

Sign up for free breaking news and headline email alerts http://8.wfla.com/18DCEqk

RELATED STORIES:

  • 8 On Your SideMore>>

  • FDLE opens investigation into Spring Hill sinkhole home

    FDLE opens investigation into Spring Hill sinkhole home

    Tuesday, September 16 2014 4:52 PM EDT2014-09-16 20:52:00 GMT
    The Florida Department of Law Enforcement has opened an investigation into whether a Spring Hill home seller committed fraud by lying about a sinkhole under the home. This follows an 8 On Your Side investigation that showed that Glenn Jasen, the former homeowner, cashed a check from Citizens Property Insurance for $153,745 in January 2009. But he didn't use the money to fix the sinkhole. Instead, Jasen sold the home to Kelly Magbee's family in March. The Magbees moved in with their five ch...
    The Florida Department of Law Enforcement has opened an investigation into whether a Spring Hill home seller committed fraud by lying about a sinkhole under the home. This follows an 8 On Your Side investigation that showed that Glenn Jasen, the former homeowner, cashed a check from Citizens Property Insurance for $153,745 in January 2009. But he didn't use the money to fix the sinkhole. Instead, Jasen sold the home to Kelly Magbee's family in March. The Magbees moved in with their five ch...
  • UPS won't pay for Tampa veteran's damaged computer

    UPS won't pay for Tampa veteran's damaged computer

    Tuesday, September 16 2014 10:31 AM EDT2014-09-16 14:31:49 GMT
    The damaged computerThe damaged computer
    Vincent Farina had a plan when he left the Marines to pursue his degree in game design.
    Vincent Farina had a plan when he left the Marines to pursue his degree in game design.
  • Sales Tax Holiday for appliances this weekend

    Sales Tax Holiday for appliances this weekend

    Tuesday, September 16 2014 8:49 AM EDT2014-09-16 12:49:17 GMT
    You can buy appliances tax free this weekend Sept. 19-21 but they have to be energy and water efficient, Florida Department of Revenue announced this week.
    You can buy appliances tax free this weekend Sept. 19-21 but they have to be energy and water efficient, Florida Department of Revenue announced this week.
  • NewsMore>>

  • President visits MacDill Air Force Base in Tampa

    President visits MacDill Air Force Base in Tampa

    Tuesday, September 16 2014 11:37 PM EDT2014-09-17 03:37:55 GMT
    President Barack Obama is scheduled to arrive at MacDill Air Force Base Tuesday.
    President Barack Obama is scheduled to arrive at MacDill Air Force Base Tuesday.
  • Man attacks 80-year-old woman in Winter Haven robbery

    Man attacks 80-year-old woman in Winter Haven robbery

    Tuesday, September 16 2014 11:10 PM EDT2014-09-17 03:10:31 GMT
    Winter Haven police are looking for a man they report attacked an 80-year-old woman during a robbery.
    Winter Haven police are looking for a man they report attacked an 80-year-old woman during a robbery.
  • Three Tampa Bay area Arigatos close. Leaves workers payless.

    Three Tampa Bay area Arigatos close. Leaves workers payless.

    Tuesday, September 16 2014 9:56 PM EDT2014-09-17 01:56:39 GMT
    Employees of three Arigato Japanese in the Tampa bay area are fuming mad. “It's a shame that they're treating us this way” said server, Jamie Burns.No warning. Just closed, for good! One in Clearwater, another in St. Petersburg, a third in Tampa... Shut down!
    Employees of three Arigato Japanese in the Tampa bay area are fuming mad. “It's a shame that they're treating us this way” said server, Jamie Burns.No warning. Just closed, for good! One in Clearwater, another in St. Petersburg, a third in Tampa... Shut down!
  • Sign up for WFLA News Channel 8 Email Alerts

    * denotes required fields






    Thank you for signing up! You will receive a confirmation email shortly.
  • Most Popular StoriesMost Popular StoriesMore>>

  • The 10 cities with America’s worst drivers

    The 10 cities with America’s worst drivers

    Tuesday, September 16 2014 1:25 PM EDT2014-09-16 17:25:20 GMT
    Driving in cities on the East Coast doesn't sound too appealing, based on the latest edition of the Allstate America's Best Drivers Report. Of the 200 most populated cities in the country, 9 of the 10 places where it's least safe to drive are located in eastern states.
    Driving in cities on the East Coast doesn't sound too appealing, based on the latest edition of the Allstate America's Best Drivers Report. Of the 200 most populated cities in the country, 9 of the 10 places where it's least safe to drive are located in eastern states.
  • Florida Missing Child Alert: 15-year-old girl

    Florida Missing Child Alert: 15-year-old girl

    Tuesday, September 16 2014 4:23 PM EDT2014-09-16 20:23:50 GMT
    Lindsey Turner (left) could be with Hailey Vallier (right).Lindsey Turner (left) could be with Hailey Vallier (right).
    A Florida Missing Child Alert has been issued for Lindsey Turner, a white female, 15 years old, 5 feet 02 inches tall, 140 pounds, blonde hair, blue eyes, a smiley face scar on inner right wrist, last seen in the 1900 block of W 60th Street in Hialeah.
    A Florida Missing Child Alert has been issued for Lindsey Turner, a white female, 15 years old, 5 feet 02 inches tall, 140 pounds, blonde hair, blue eyes, a smiley face scar on inner right wrist, last seen in the 1900 block of W 60th Street in Hialeah.
  • 'Real Housewife' Teresa Giudice selling New Jersey home before sentencing

    'Real Housewife' Teresa Giudice selling New Jersey home before sentencing

    Monday, September 15 2014 5:54 PM EDT2014-09-15 21:54:06 GMT
    Photo Courtesy Today.com via ZillowPhoto Courtesy Today.com via Zillow
    After pleading guilty to a money fraud scheme, “Real Housewives of New Jersey” stars Joe and Teresa Giudice have put their ornate suburban mansion on the market for $3.999 million.
    After pleading guilty to a money fraud scheme, “Real Housewives of New Jersey” stars Joe and Teresa Giudice have put their ornate suburban mansion on the market for $3.999 million.
Powered by WorldNow

200 South Parker Street, Tampa, FL 33606

Telephone: 813.228.8888
Fax: 813.225.2770
Email: news@wfla.com

Can’t find something?
Powered by WorldNow
All content © Copyright 2000 - 2014 Media General Communications Holdings, LLC. A Media General Company.