Affordable Care Act and Individuals
Affordable Care Act
HealthCare.gov, a website created by the U.S. government, includes a comprehensive review for individuals of the Health Insurance Marketplace, enrollment, coverage, etc.:
For individuals with current coverage under an individual plan:
For individuals with current coverage under an employer plan:
For individuals who do not currently have health insurance:
IRS Provides Transition Relief from the Individual Mandate Due to Employer Plan-Year Gaps
DELAY announced March 5, 2014 permitting individuals and small groups to keep plans that don’t comply with the minimum standards requirement of the Affordable Care Act. Insurance carriers and state commissioners will determine which of these plans to continue. This extension will expire October, 2017.
INDIVIDUAL MANDATE DEFINED:
The Affordable Care Act requires nearly everyone to have health insurance that meets minimum standards. With some exceptions, people who do not maintain health insurance coverage will have to pay a penalty starting in 2014.
View more information on the individual mandate at:
AFFORDABLE CARE ACT CALCULATOR FOR INSURANCE PREMIUM ESTIMATES:
Use the Kaiser Family Foundation calculator to view estimates of health insurance premiums and subsidies for people purchasing insurance on their own in new health insurance exchanges. The calculator enables you to enter different income levels, ages and family sizes to obtain estimates.
FREQUENTLY ASKED QUESTIONS FOR INDIVIDUALS:
How does the Affordable Care Act help individuals?
What key dates do I need to know?
What is the Marketplace in my state?
If you live in Pennsylvania or New Jersey, you’ll use the website, HealthCare.gov, to apply for coverage, compare plans, and enroll. Specific plans and prices will be available on October 1, 2013, when Marketplace open enrollment begins. Coverage can start as soon as January 1, 2014. I have Medicare. Do I need to do anything?
Can adult children stay on a parent’s plan?
What if I’m a part-time employee without health coverage?
What if I have job-based insurance?
What if I have a pre-existing health condition?
What does Marketplace health insurance cover?
What are my preventive care benefits?
What if someone doesn’t have health coverage in 2014?
What if I am self-employed?
How can I get an estimate of costs and savings on Marketplace health insurance?
Are lifetime and annual limits ended under the Act?