Health Insurance Marketplace-obama Care Kicks In!
In fewer than 100 days, the new health care reform law takes an important step forward. On October 1, 2013, Health Insurance Marketplaces will open in every state, and millions of Americans will be eligible to apply for coverage. Between now and then, we’re sure that lots of people will be looking for information about the upcoming changes.
On the updated site, you’ll be able to get a personalized list of coverage options, tailored to your situation, and a checklist to help prepare for October 1. You’ll find a rich set of answers to frequently asked questions, powerful search features to help you find the specific information you need, and two great ways to talk to customer service representatives, 24/7: a new 1-800 number (1-800-318-2596) and online chat.
When open enrollment starts on October 1, 2013, you’ll be able to use the site to compare various health care plans side by side to find a plan that fits your life and your budget. You’ll even be able to use HealthCare.gov to apply for coverage or be directed to your own state’s application portal.
What if someone doesn’t have health coverage in 2014?
IF YOU DON’T HAVE HEALTH INSURANCE= YOU’RE CHARGED A “FEE”
Starting January 1, 2014, if someone doesn’t have a health plan that qualifies as minimum essential coverage, he or she may have to pay a fee that increases every year: from 1% of income (or $95 per adult, whichever is higher) in 2014 to 2.5% of income (or $695 per adult) in 2016. The fee for children is half the adult amount. The fee is paid on the 2014 federal income tax form, which is completed in 2015. People with very low incomes and others may be eligible for waivers.
Rights, Protections, and the Law
Health Insurance Marketplace
There are 3 key dates you’ll want to mark on your calendar:
- October 1, 2013: Marketplace open enrollment starts
- January 1, 2014: Health coverage can start
- March 31, 2014: Open enrollment ends
- Dept. of Health & Human Services launches Health Insurance Marketplace (ahadvocates.com)
- Business | Smart Benefits: Taxpayers Could Get Stung By Local Healthcare Cost (golocalprov.com)
- U.S. Unveils Tools to Help Consumers Choose Health Insurance (news.health.com)
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