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This Month in Rental Management
Health insurance marketplaces open Tuesday
Health insurance marketplaces open Tuesday

In the biggest roll-out of the Affordable Care Act (ACA) to date, the health insurance marketplaces (formerly referred to as exchanges) will be available starting this Tuesday, Oct. 1, in order to assist individuals in need of health care coverage and small businesses looking for employee coverage.

Howver, the Small Business Health Option Program (SHOP) marketplaces are facing some delays. In the 36 states where the federal government is running the marketplaces, businesses with 50 or fewer full-time employees will be able to shop for coverage on the government’s website beginning Oct. 1, but they won’t be able to sign up employees for coverage until November.

While the individual mandate provision in the ACA requires that individuals obtain health insurance by Jan. 1, 2014, doing so through the marketplaces is voluntary. In order to have coverage that meets the Jan. 1 deadline, marketplace plans must be purchased no later than Dec. 15, 2013.

Each state has determined how its exchange will run, but they all will provide insurance options available in a given area, so those looking for coverage can compare plans based on price, benefits, quality and other features. Subsidies will be available for those earning less than 400 percent of the poverty line.

Last week, the American Rental Association (ARA) sent state-specific emails outlining how each state plans to run its marketplace. See the chart below for specific information about how the marketplace will be handled in your state.

AL, AK, AZ, AR*, DE*, FL, GA, IL*, IN, IA*, KS, LA, ME, MI*, MS, MO, MT, NE, NH*, NJ, NC, ND, OH, OK, PA, SC, SD, TN, TX, VA, WV*, WI, WY www.healthcare.gov

Federal exchange

California www.coveredca.com Covered California
Colorado www.connectforhealthco.com Connect for Health
Connecticut www.accesshealthct.com Access Health Connecticut
D.C. www.hbx.dc.gov Health Benefit Exchange Authority
Hawaii www.hawaiihealthconnector.com Hawaii Health Connector
Idaho www.yourhealthidaho.org Your Health Idaho
Kentucky http://kynect.ky.gov Kentucky’s Healthcare Connection
Maryland www.marylandhealthconnection.gov Maryland Health Connection
Massachusetts www.mahealthconnector.org Health Connector
Minnesota http://mn.gov/hix/ MNsure
Nevada www.nevadahealthlink.com Nevada Health Link
New Mexico http://nmhix.com/ New Mexico Health Insurance Exchange
New York http://healthbenefitexchange.ny.gov/ New York State of Health
Oregon www.coveroregon.com Cover Oregon
Rhode Island www.healthsourceri.com Health Source RI





Federal site for individual and/or family coverage;

State site for small business coverage

Vermont Healthconnect.vermont.gov/ Health Connect
Washington www.wahealthplanfinder.org Washington Health Plan Finder


*Although federal Marketplace will be in place on Oct. 1, this state plans to partner with federal government in its implementation.

Residents of Puerto Rico and the Virgin Islands should contact their territorial government for Marketplace information.

Click here to read the U.S. Department of Health and Human Services press release regarding the SHOP delay. 
Click here for detailed information on the SHOP application and enrollment process. 
Click here for more information and answers to frequently asked questions about the marketplaces. 
Click here for additional help and resources regarding new insurance options for businesses.




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