Insurance 'marketplace' expected to launch Oct. 1 - WNCN: News, Weather

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>>

  • Outpouring of support for New Port Richey soldier dealing with squatters

    Outpouring of support for New Port Richey soldier dealing with squatters

    Wednesday, April 23 2014 1:21 PM EDT2014-04-23 17:21:16 GMT
    Soldier & homeowner Michael Sharkey was deployed to Afghanistan two years ago. Facebook photoSoldier & homeowner Michael Sharkey was deployed to Afghanistan two years ago. Facebook photo
    Our 8 On Your Side story about a New Port Richey soldier who says his home has been taken over by squatters is striking a nerve in the community. Many News Channel 8 viewers and Facebook followers are angry about what happened to the soldier.
    Our 8 On Your Side story about a New Port Richey soldier who says his home has been taken over by squatters is striking a nerve in the community. Many News Channel 8 viewers and Facebook followers are angry about what happened to the soldier.
  • Pricey processing issue at Tampa hair academy resolved

    Pricey processing issue at Tampa hair academy resolved

    Wednesday, April 23 2014 9:35 AM EDT2014-04-23 13:35:13 GMT
    Loretta Maloy says she always expected to pay for the courses she took those several weeks, but thought $10,000 in loans just wasn’t right.
    Loretta Maloy says she always expected to pay for the courses she took those several weeks, but thought $10,000 in loans just wasn’t right.
  • New Port Richey soldier says squatters won't leave his home

    New Port Richey soldier says squatters won't leave his home

    Wednesday, April 23 2014 8:58 AM EDT2014-04-23 12:58:50 GMT
    Soldier & homeowner Michael Sharkey was deployed to Afghanistan two years ago. Facebook photoSoldier & homeowner Michael Sharkey was deployed to Afghanistan two years ago. Facebook photo
     When soldier Michael Sharkey was deployed to Afghanistan two years ago, he asked a friend to watch over his New Port Richey house. Now, they're fighting to get their house back.
    When soldier Michael Sharkey was deployed to Afghanistan two years ago, he asked a friend to watch over his New Port Richey house. Now, they're fighting to get their house back.
  • NewsMore>>

  • TPD homicide detective subject of federal probe

    TPD homicide detective subject of federal probe

    Wednesday, April 23 2014 6:02 PM EDT2014-04-23 22:02:03 GMT
    File photo: TPD homicide Detective Eric HoustonFile photo: TPD homicide Detective Eric Houston
    Tampa police detective Eric Houston is one of the investigators who worked the crime scene at the New Tampa home of Julie Schenecker. She's the mother accused of killing her two teenaged children.
    Tampa police detective Eric Houston is one of the investigators who worked the crime scene at the New Tampa home of Julie Schenecker. She's the mother accused of killing her two teenaged children.
  • Home alone: Sarasota kids help deputies catch burglary suspects

    Home alone: Sarasota kids help deputies catch burglary suspects

    Wednesday, April 23 2014 5:57 PM EDT2014-04-23 21:57:07 GMT
    Burglary suspects from left to right: Marcus Felder, Darian Jones, Trevor Jackson and Gary Saulby. Sarasota Co. Jail booking photosBurglary suspects from left to right: Marcus Felder, Darian Jones, Trevor Jackson and Gary Saulby. Sarasota Co. Jail booking photos
    Some quick-thinking kids in Sarasota are being credited for helping sheriff's deputies catch a group of burglary suspects who investigators say broke into the kids' home.
    Some quick-thinking kids in Sarasota are being credited for helping sheriff's deputies catch a group of burglary suspects who investigators say broke into the kids' home.
  • Homicide under investigation in Plant City

    Homicide under investigation in Plant City

    Wednesday, April 23 2014 5:49 PM EDT2014-04-23 21:49:24 GMT
    Plant City Police are investigating a murder on South Maryland Ave. Wednesday afternoonPlant City Police are investigating a murder on South Maryland Ave. Wednesday afternoon
    Plant City Police are investigating a homicide that occurred Wednesday afternoon at 516 South Maryland Avenue.
    Plant City Police are investigating a homicide that occurred Wednesday afternoon at 516 South Maryland Avenue.
  • 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>>

  • Woman claims pedicure crossed the line

    Woman claims pedicure crossed the line

    Tuesday, April 22 2014 11:45 PM EDT2014-04-23 03:45:39 GMT
    A Shreveport woman said a nail tech from Style Nails in Shreveport crossed the line during a pedicure, and that she has cell phone video to prove it.
    A Shreveport woman said a nail tech from Style Nails in Shreveport crossed the line during a pedicure, and that she has cell phone video to prove it.
  • Mom bites off dog's ear to save daughter during attack

    Mom bites off dog's ear to save daughter during attack

    Tuesday, April 22 2014 2:49 PM EDT2014-04-22 18:49:19 GMT
    Image from CNN/KHOU-TVImage from CNN/KHOU-TV
    In a backyard in Alvin, swings a very lucky girl. Her name is Mackenzi Plass, or Kenzi for short, and she survived a dog attack and has undergone several surgeries."She'll be two and a half in May," said her very proud mother Chelsi Camp. "She's doing great. You wouldn't know it if you couldn't see."Mackenzi has scars on her face after the ordeal just weeks ago that put her mother's animal instincts to the test."You do whatever you can," said Camp. "I don't have physical strength at my side."...
    In a backyard in Alvin, swings a very lucky girl. Her name is Mackenzi Plass, or Kenzi for short, and she survived a dog attack and has undergone several surgeries."She'll be two and a half in May," said her very proud mother Chelsi Camp. "She's doing great. You wouldn't know it if you couldn't see."Mackenzi has scars on her face after the ordeal just weeks ago that put her mother's animal instincts to the test."You do whatever you can," said Camp. "I don't have physical strength at my side."...
  • Search halted for missing Gaboon Viper

    Search halted for missing Gaboon Viper

    Tuesday, April 22 2014 7:08 PM EDT2014-04-22 23:08:20 GMT
    The missing viper could still be out there, but the search has been halted for safety concerns.
    The missing viper could still be out there, but the search has been halted for safety concerns.
Powered by WorldNow

1205 Front St., Raleigh
N.C., 27609

Telephone: 919.836.1717
Fax: 919.836.1687
Email: newstips@wncn.com

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