Health Insurance Marketplace

Since 2013, ICAP Navigators have assisted thousands of people to understand their options in obtaining affordable health insurance plans through the Health Insurance Marketplace. Certified Navigators from ICAP provide free, non-biased enrollment assistance for individuals and families throughout the service area. Many consumers are eligible for financial assistance in the form of tax credit subsidies, resulting in lower monthly premiums and more affordable health insurance coverage. Some people also qualify for lower deductibles and copays based upon household size and income.

In addition to personal enrollment assistance during the Open Enrollment Period, Navigators help consumers to take advantage of Special Enrollment Periods which may be triggered by qualifying life events such as the loss of job-based coverage, release from incarceration, a move to another state or country, marriage, birth or adoption. Certified Marketplace Navigators conduct outreach and education year-round so that South Dakotans have the knowledge to make informed health care choices.

Navigators also provide post-enrollment assistance for consumers who may not completely understand their new health insurance or the protections afforded them through the Affordable Care Act. Ongoing support in health insurance literacy encourages consumers to fully utilize their health insurance benefits. Navigators assist consumers who wish to apply for exemptions from the penalty for non-coverage, or file appeals related to Marketplace decisions.

South Dakota Navigators

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The project described was supported by Funding Opportunity Number CA-NAV-15-001 from the Centers for Medicare & Medicaid Services. The contents provided are solely the responsibility of the authors and do not necessarily represent the official views of HHS or any of its agencies.

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