• What You Need To Know About The ‘Affordable Healthcare Act’

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    If you are uninsured or looking for other healthcare options, today marks the day you can apply for the long anticipated Affordable Healthcare Act which takes affect next year. And, if you’re like me, you have lots of questions. Here are some basics from Healthcare.gov:

    Workers Trained To Help Ease Transition To Affordable Care Act Insurance Marketplaces

    Here’s a quick rundown on the most important things to know about the Health Insurance Marketplace, sometimes known as the health insurance “exchange.” Follow the links for more information on each topic.

    The new Health Insurance Marketplace helps uninsured people find health coverage.When you fill out the Marketplace application we’ll tell you if you qualify for:

    No matter what state you live in, you can use the Marketplace. Some states operate their own Marketplace. In some states, the Marketplace is run by the Federal government.Find the Health Insurance Marketplace in your state.

    Most people must have health coverage in 2014 or pay a fee. If you don’t have coverage in 2014, you’ll have to pay a penalty of $95 per adult, $47.50 per child, or 1% of your income (whichever is higher). The fee increases every year. Some people may qualify for anexemption to this fee.

    You’re considered covered if you have MedicareMedicaidCHIP, any job-based plan, anyplan you bought yourselfCOBRAretiree coverageTRICARE, VA health coverage, or some other kinds of health coverage.

    If you’re eligible for job-based insurance, you can consider switching to a Marketplace plan. But you won’t qualify for lower costs based on your income unless the job-based insurance is unaffordable or doesn’t meet minimum requirements. You also may lose any contribution your employer makes to your premiums.

    If you have Medicare, you’re considered covered and don’t have to make any changes.You can’t use the Marketplace to buy a supplemental or dental plan.

    Marketplace open enrollment ends March 31, 2014. If you enroll by December 15, 2013, coverage can begin as soon as January 1, 2014.

    CLICK HERE FOR MORE INFORMATION OR CALL:  24 hours a day, 7 days a week: 1-800-318-2596 (TTY: 1-855-889-4325)

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