Frustration and Confusion Over Iowa's Health Care Insurance

Frustration and confusion surrounding Iowa's struggling health insurance market could be driving people away from something they need. It's something insurance counselors are noticing.

Those insurance navigators say they're not seeing as many people asking for help since open enrollment started this week.  Iowa is down to one company offering coverage on the exchange next year. And, it will be a lot more expensive. People seem to be shying away because of it.

"Health insurance is an important thing to have because that's how they can keep themselves healthy,"said Genesis Insurance Navigator Jennifer Busch.

Iowans face a new deadline to sign up for health insurance, a big price change, and now only one true option.
Medica is the only insurance company left on the market for the Affordable Care Act. But what many don't realize is this: 

"Genesis is not  an in-network provider for Scott county with medica," said Medica Vice President Goeff Bartash. "Those who have a genesis provider will need to move to unity point provider."
Thousands of Iowans are at risk of losing their access to health care come January1st. 
"We're hearing that they're going to be increasing premium rates by 60 to 70 percent which is going to make it almost unaffordable for iowans to purchase, " said State Representative John Forbes.

These changes add to the confusion. And, insurance counselors who help guide people through the insurance marketplace say they're not seeing as many people reaching out for help.

"I'm just there to provide answer questions and provide enrollment assistance,"  said Busch.

Those high premiums and high deductibles are not easy to understand. 

"Don't not do anything because you're afraid of the price,"said Busch.

All of the details that go into health coverage can be difficult to understand. And, with only one expensive choice available, counselors worry that people are giving up and putting themselves at risk.

"I've seen cases where small things that could've been cured turned into big crisis because and i would encourage people to get health insurance for more reasons than not getting the penalty," said Busch.

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