Affordable Care Act Information
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Do I Qualify?
If you are not already on a government sponsored health plan (e.g. Medicare) then you can shop for coverage at the health care marketplaces being established in the state.
How do I Enroll?
You have different options for enrolling. (Process takes about 30-45 minutes)
- Over the telephone:
National Marketplace Toll-Free Call Center for Federally Facilitated and State-Parnership Marketplaces
1-800-318-2596 (TTY 1-855-899-4325).
Customer service representatives available 24-7 in English and Spanish
There is also a Language line for 150 additional languages.
1) Go to an online marketplace (https://www.healthcare.gov/ or Cuidadodesalud.gov for Spanish)
2) Create an account
4) Pick a Plan
Is a Subsidy Available?
There is a subsidy available based on income. Check the online subsidy calculator: http://kff.org/interactive/subsidy-calculator
What types of plans are offered?
The Marketplace will offer four categories of plans, plus a catastrophic plan:
- Bronze – Covers 60% of essential health benefits, with out of pocket limit to HSA (Health Savings Account) current law limit ($5,950 individuals and $11,900 for families)
- Silver – Covers 70% of essential health benefits, with HSA limits
- Gold – Covers 80% of essential health benefits, with HSA limits
- Platinum – Covers 90% of essential health benefits
- Catastrophic Plan – Available up to age 30
What if I choose NOT to have coverage?
If an individual does not have coverage in 2014, a penalty fee will be assessed:
- $95/adult; $47.50/child or 1% of income, whichever is higher ($285/family max).
- The penalty increases in subsequent years.
What if I Have More Questions?
- Affordable Care Act Resources - These are great websites that are available with a variety of information and resources.
- Understanding the Health Insurance Marketplace. (Extraction taken from OCLC WebJunction posting).
- You can call toll free: 1-800-318-2596
Note: Be aware of scams. Only use credible resources!