Confused about the Affordable Care Act?
By Morales, Nikoleta | |
Proquest LLC |
Breaking down the new health law in detail
The Affordable Care Act (ACA), also referred to as Obamacare, can be a confusing and frustrating process for many. Below you will find detailed information on the process and where to find help.
Get Covered Illinois is the official
"On
Get Covered Illinois has been open since
"There are 42 million Americans who will be eligible for coverage. This is historic. We should embrace it and get healthy. No longer can anyone be denied for having a pre-existing condition. No longer can insurance companies exterminate. These are changes that will affect everyone," said
Under the new health care law, almost all will need health insurance. If someone who can afford health insurance doesn't have coverage in 2014, they may have to pay a fee. They also have to pay for all of their health care. The fee in 2014 is 1 percent of the uninsured yearly's income or
After open enrollment ends on
Who is eligible for ACA?
Citizens and legal residents with an income below the 400 percent poverty line.
How to get help?
"What constitutes a good plan depends on the individual - what plan they need, what plan to access, what type of medication. The best plan will depend on the individual and what they are looking for. That's why there are over 15,000 navigators across the state trained to provide information and help people through the process. Find out whether or not you qualify or are eligible for
The chart below gives information on when the coverage begins based on the date the health insurance plan was purchased:
Plan Purchase Date Coverage
Start Date
According to Get Covered Illinois, if someone already has
By going to getcoveredillinois.gov/events, consumers can find information on enrollment workshops by just putting in their zip code. "Each case is individual. That's the reason why it is important that consumers seek assistance of an expert and a navigator who has been trained by the state to handle these cases," said
"We are here to serve and we are bilingual," said
List of some local workshops in
Family-Friendly Enrollment (Afterhours) at
Location:
Time:
Lead Org & Person: El Valor - Olivia Sánchez
(312) 882-4761
Location: 2021 South Morgan
Time:
Lead Org & Person: Alivio -
312-743-0493
Location:
Time:
Lead Org & Person:
312.502.3116
- Mujeres Latinas en
-
2418 W. Division
2418 W. Division
Health Services -- 2nd Floor
Health Services -- 2nd Floor
2418 W. Division
2418 W. Division
What documents to bring?
*
* Employer and income information - pay stubs
* Tax information - W2 forms, tax forms
What about those who have a pre-existing health condition?
Beginning in 2014, adults cannot be denied insurance, or be charged more for current or past health issues. This protection is already in place today for children.
What if someone already has insurance through their job?
For those who have coverage from their jobs, they are covered. They do not need to buy more health insurance.
What is the Small Business Health Care Tax Credit and who is eligible?
If you are a small business owner, you may qualify for the federal Small Business Health Care Tax Credit to help pay for the cost of your employees' health insurance. The tax credit is worth up to 50 percent of your contribution toward employees' premium costs, or 35 percent for nonprofits. Employers that qualify would receive the tax credit when filing taxes in 2015.
Beginning in
In
Land of
Are there people who will not have to pay a penalty for not having health insurance?
Yes. The penalty may not apply if someone is:
* A member of a recognized health care sharing ministry.
* In jail or prison .
* An undocumented immigrant.
* Has an income below the federal income tax filing threshold. In 2012 this was an annual income below
*
* Does not have access to affordable health insurance. This means that health insurance would cost more than 8 percent of their income.
How much will health insurance on the
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