Affordable Health Insurance Is Here
The New Law
The Affordable Care Act requires everyone legally living in the U.S. to have health insurance beginning January 1, 2014. But it also gives millions of uninsured people access to health plans at different cost levels and it provides financial assistance to those who qualify based on family size and income.
Beginning October 1, 2013, you will be able to shop at a new online Health Insurance Marketplace, also known as an exchange, where you can one-stop-shop for a plan that fits your budget and coverage needs. We’re here to help you learn about the law and how to select the right plan for you and your family.
What Will The Plans Cover?
There will no longer be denials for pre-existing conditions. Coverage will include doctor visits, hospital stays, wellness care, prescriptions, emergency service and more. In fact, Ten Essential Health Benefits must be covered in every plan and certain Preventive Care services will be provided at no additional cost to patients.
Sign Up Begins October 1, 2013.
If you do not have health insurance, you are required to sign up during open enrollment, from October 1, 2013 to March 31, 2014. You can shop for plans by phone, through a broker, or at the online Marketplace, where you can easily compare benefits and costs. If you do not sign up, you will face tax penalties.
Official Consumer Resources
Short Overview Video
Long Overview Video
The New Marketplace
The Health Insurance Marketplace is available online, by phone, or through an approved insurance broker, and it’s designed to make buying health coverage easier by comparing plans side by side, in simple language and with no fine print. You will be able to choose between four levels of health plans—Platinum, Gold, Silver, and Bronze—from a variety of approved insurance providers, and each will have different amounts of coverage and different monthly premiums. Only one simple application will be required.
To find your Marketplace, click below.
Official Consumer Resources
The Marketplace for Individuals & Families
El Mercado de Seguros Medicos
Starting in 2014, a surprisingly large number of people will qualify for financial help. For example, an individual earning up to $45,900 a year, or a family of four earning up to $94,200 a year, will qualify for a reduction of their monthly premiums, or a tax credit at the end of the year. The calculator and chart on this page will give you a good idea of how much assistance will be available. Once you apply at the Marketplace, you will find out the exact amount.
Financial Assistance Calculator
To determine if you qualify for financial assistance, you can use the Financial Assistance Calculator.
Financial Assistance Income Chart
Look for your income and household size on this chart to see if you qualify for financial assistance.
Why Choose Us?
When you compare plans, you’ll be able to see what hospitals are included in each one. Make sure you choose a plan that includes Holy Cross Hospital so you’ll always have the latest treatment options, leading-edge technology, and physicians from some of the nation’s finest medical schools.
Phone: 954-958-4859 or