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Health Care Reform:

Health Insurance & Affordable Care Act

Complex Personal Issues Cloud Insurance Decisions


"I think most navigator training should be able to identify these people who need extra special help," says Elisabeth Benjamin, vice president of health initiatives at Community Service Society of New York, which will contract with 38 community-based organizations statewide to provide navigator services in New York.

Sometimes even though the questions are complicated, the answers may not be. In the case of the infant whose two parents are covered on their own parents' plans, for example, experts say the baby would be eligible for a child-only policy on the health insurance marketplace, and if the parents' income is less than 400 percent of the federal poverty level ($78,120 for a family of three in 2013), they could receive a premium tax credit.

Still, figuring out how to work through a multi-layered question to get to the simple answer will take practice.

"You almost have to be doing this stuff on a daily basis in order to learn it," says Corlette. "But [the assisters] will get up to speed, and they'll probably get up to speed really quickly."

Please send comments or ideas for future topics for the Insuring Your Health column to .

Kaiser Health News is an editorially independent program of the Henry J. Kaiser Family Foundation, a nonprofit, nonpartisan health policy research and communications organization not affiliated with Kaiser Permanente.

Mon, Dec 19 2011

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