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can be complex choices on the exchanges.
"Whether they decide to enroll or not, it's
good to have somebody" to run a variety
of scenarios depending on plan selection
and qualification for a subsidy, he says.
"At least then you know you've made an
informed decision."
Those who aren't concerned with
changes to their plans going into effect
Jan. 1 can make adjustments before or
after Dec. 15, even if they've set their
plans to auto-renew, Ballard said.
For most people, the primary route to
ACA coverage is through the federal
marketplace, but the 14 states listed,
and Hawaii, operate separate exchanges.
For private assistance with determining
eligibility for a subsidy and other
questions, wherever you live, owner-
operators can use the three trucking-
focused private marketplaces listed.
For those who qualify for a subsidy, the
Owner-Operator Independent Drivers
Association's exchange is not equipped
to take operators through the entirety of
the process, but it can help them make
the determination and steer them in
the right direction. Despite others' high
estimates of those who might qualify
for a subsidy, OOIDA representatives say
few of their members actually do.
HOW TO GET COVERED IN THE EXCHANGES
States operating their own exchanges
California: CoveredCA.com, (800) 300-1506
Colorado: ConnectforHealthCO.com,
(855) 752-6749
Connecticut: AccessHealthCT.com,
(855) 805-4325
District of Columbia: DCHealthLink.com,
(855) 532-5465
Idaho: YourHealthIdaho.org, (855) 944-3246
Kentucky: KYEnroll.KY.gov, (855) 326-4650
Maryland: MarylandHealthConnection.gov,
(855) 642-8572
Massachusetts: MAHealthConnector.org,
(877) 623-6765
Minnesota: MNSure.org, (855) 366-7873
New Mexico: MyNMHC.org, (877) 769-6642
New York: NYStateofHealth.NY.gov,
(855) 355-5777
Rhode Island: HealthSourceRI.com,
(855) 840-4774
Vermont: HealthConnect.Vermont.gov,
(855) 899-9600
Washington: WAHBExchange.org,
(855) 923-4633
Private owner-operator-focused
health insurance marketplaces
OOIDA MEMBERS HEALTH CARE EXCHANGE:
OOIDA.com, click "Benefits and Services"
TRUCKERS INSURANCE EXCHANGE:
TIEMarketplace.com, (800) 388-8284
TRUE CHOICES (operated by True North
Insurance): TrueChoicesMarketplace.com,
(800) 877-9637
Federal exchange states
HealthCare.gov, (800) 318-2596
2016 marks the first year businesses
employing 50-99 employees will be re-
quired to offer health insurance to most
employees or pay a fine of up to $2,000
a person. The so-called "employer man-
date," originally set to go into effect in
2014 with the individual mandate, was
delayed to 2015 for businesses with
100 or more employees, and to 2016 for
smaller businesses.
For fleets with fewer than 50 employ-
ees, no requirement to offer insurance
exists. As with other areas of tax law,
owner-operators are not counted as
employees.
Fleets that want to provide benefits
as a perk for employed drivers can
search "Small Business Health Options
Program" at healthcare.gov for informa-
tion on employer-based insurance
available on the exchanges.
HEADS-UP, SMALL
FLEET OWNERS
OBAMACARE: ROUND THREE
