PORTLAND -- President Barack Obama's health care overhaul requires most Americans to have insurance coverage next year or pay a fine.
A key component to make that work is a health insurance exchange where people can shop for coverage and accept federal subsidies that will begin enrolling people on Oct. 1.
It's called Cover Oregon.
Cover Oregon's multi-million dollar advertising campaign featured Portland musicians Laura Gibson and Matt Sheehy. While the clever TV and radio spots were certainly recognizable, the ads don't explain many of the details about Oregon's new exchange.
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On Saturday's Straight Talk on KGW, Cover Oregon spokeswoman Amy Fauver explained who's eligible and how Cover Oregon works.
"Much like people do online--compare three products side by side--people will be able to do that with their health insurance plans for the first time, so they really know what they’re buying and what the costs are," Fauver said.
Tax credits are also available for families. Fauver said that a family of four making $92,000 can still potentially qualify for help on its premiums.
To sign up for coverage go to CoverOregon.com. They've also contracted with a number of community organizations and licensed insurance agents.
People who are uninsured, or who have insurance they've purchased on their own, may be able to get discounts by enrolling through Cover Oregon.
Anyone with health insurance from an employer is already set. So are those on the Oregon Health Plan or Medicare.
Fauver said Cover Oregon has added competition to the health insurance marketplace, which she said has resulted in some of the lowest insurance rates in the country.
More: Straight Talk