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The Health Care Law

According to the Affordable Care Act, everyone who legally lives in the United States must have health insurance. In addition, for millions of uninsured people, this law gives access to healthcare plans at different cost levels. Based on their income and family size, those who qualify also may receive financial assistance when purchasing these plans.

You may compare plans at the Health Insurance Marketplace, also known as an exchange. This  one-stop shop allows you to choose 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? 

Coverage includes doctor visits, hospital stays, wellness care, prescriptions, emergency service and more. In fact, 10 essential health benefits must be covered in every plan, and certain preventive care services will be provided at no additional cost to patients. Insurers cannot deny coverage because of pre-existing conditions.

Get Covered. Stay Covered.

Open enrollment for 2015 coverage runs from November 15, 2014 to February 15, 2015. If you do not have insurance, visit the Marketplace at www.HealthCare.gov. There you can compare benefits and costs easily. Those who do not sign up will face tax penalties. If you need assistance, call the Marketplace at 1-800-318-2596. You also can work with a Certified Application Counselor or a broker. If you want coverage to start on January 1, 2015, purchase your coverage no later than December 15, 2014.

If you purchased insurance through the Marketplace last year, in many cases you will be automatically re-enrolled for 2015. You will receive notice from the Marketplace and your insurance carrier if you will be automatically renewed.

You also can shop for a new plan. If your income or household size has changed, you will need to report that to the Marketplace so you get the right premium tax credit. If you do not update this information, you will get the same tax credit as in 2014. If your income has gone up or your household size changes and you do not report these changes to the Marketplace, you may owe money when you file your tax return in 2015.

If you currently have “charity care,” you are encouraged to sign up for Medicaid. With Medicaid, you will be covered for things like doctors’ visits and medicine. You can sign up for Medicaid at any time of the year.


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