|By Mary Meehan, Lexington Herald-Leader|
|McClatchy-Tribune Information Services|
In fact, beginning
What is this?
Under the Affordable Care Act, also known as Obamacare, every American -- with very limited exceptions -- must have health insurance or face a penalty. State officials estimate 640,000 people are without health insurance in
What happens if I am on
State officials have said people now on
Will someone contact me about signing up?
It doesn't work that way. It is up to everyone to determine the best option for themselves and their families and to take action. There will be help available.
The center of activity for health care reform in
What can I do today?
About 60 people have been answering questions since a
What are the plan options?
A platinum plan has a higher premium but lower out-of-pocket costs. A bronze plan has a lower premium and higher out-of-pocket cost. Specific coverage details will be available when open enrollment begins
What companies are offering plans through the state program?
There are five providers sanctioned in
What determines how much I will pay for insurance?
The rating system takes into account four things -- your age, where you live, whether you smoke or otherwise use tobacco, and how many people are on your policy.
Wait -- if you smoke or use tobacco?
What if I have a pre-existing condition, such as diabetes?
You cannot be denied coverage because of a pre-existing condition.
What do I need to do to get insurance?
You can sign up for health insurance beginning
Is enrolling early better?
Those who apply by