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FAQ's About ACA

What is the new Affordable Healthcare Act?

The Affordable Healthcare Act expands health insurance for more people and includes more affordable coverage. Many Americans, more than 50 million of them, who have been uninsured will be able to get health insurance because it will be more affordable. As of January 2014, everyone will be required to have health insurance or they will face a penalty.

How does the Affordable Healthcare Act affect me?

The Affordable Care Act will provide more coverage options at a variety of price points so you can pick the plan that is right for you. Not only is having health insurance the right thing to do, but it will help cover expenses in case of an emergency. 

What if I cannot afford to have health insurance?

If you don't think you can afford health insurance, don't fret! Even though there are going to be more options in 2014 that might be more affordable, there will still be tax credits to lower monthly premiums. The government has rebate programs depending on your income. Before you enroll, you can see exactly what you are eligible for.

What dates should I remember that are important to this healthcare reform?

The first important date is October 1st. The first open enrollment period starts then and you will be able to go online and look at all of the insurance plans and pick the right on for you. December 15, 2013 is the last day to purchase on the exchange in order for it to go into effect the first day of 2014. January 1, 2014 is when coverage begins and the last day for enrollment is March 31st, 2014.

Who will be covered by this new law?

All Americans will be required to have health insurance under the new law.

What is the penalty if I do not sign up for health insurance by 2014?

If you don't have health insurance in 2014, you will have to pay a penalty that is the higher of the two amounts- $95 or 1 percent of income. The penalties can increase every year so it is important that you have health insurance.

Am I buying insurance from the government?

The Affordable Care Act is meant so people will buy health insurance from insurance companies and not the government. The government's job is to make sure the plans provided by insurance companies meet the standards, provide assistance for people who need to buy health insurance, and broaden the qualifications to be eligible for public insurance programs. The government is helping the efforts to improve quality and control costs of health insurance.