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  1. I am 23 and just graduated college. Can I stay on my parent's health insurance even though I am no longer a student?
  2. I am 27 and I no longer have health insurance under my parents. What health care option is affordable for me?
  3. I currently work full time but I am worried about getting dropped to part time because my company doesn't want to pay for my insurance. What can I do?
  4. I work a couple part time jobs. What can I do to afford health insurance?
  5. I am on Medicaid. How does this affect me?
  6. I am 62 years old. I would love to retire but I don't qualify for Medicaid yet and my wife and I both have pre-existing health conditions. I have heard insurance companies can't turn us down. Is this true?
  7. I am a college student with loans and debt and can't afford health insurance.
  8. I am a stay at home mom and my husband has health insurance through his work. Will it cover our family?
  9. I work in a business with only 25 employees. How will the Affordable Care Act affect me?
  10. My wife is employed by a large corporation and her insurance currently covers me. How will this change with the Affordable Care Act?
  11. I live alone, work 3 jobs, and can't afford health insurance, what can I do?
  12. My husband and I already have health insurance. Do we have to change?
  13. I have a family of 5 and I have health insurance through work. Does the Affordable Care Act still cover my family?
  14. I don't have health insurance because I never get sick. Why do I need to purchase health insurance?
  15. I have health insurance currently but what are the changes that can help me?
  16. I own a small business. How does the Affordable Care Act affect me?
  17. I work at a large company and I currently have their health insurance. How does the Affordable Care Act affect me?

 


 

1. I am 23 and just graduated college. Can I stay on my parent's health insurance even though I am no longer a student?

The Affordable Care Act has a provision that requires private insurers to continue dependent coverage of children until age 26. Young adults still can qualify for this coverage even if they no longer live with the parent or not on parent's tax return. Both married and unmarried young adults can qualify for dependent coverage extension but it doesn't extend to the spouse or children of the dependent. For employer plans that were in place prior to March 23, 2010, young adults can only be a dependent on their parent's insurance if they are not covered by another employer-sponsored insurance plan. Insurers that do not offer coverage to dependent children will not be required to offer this coverage to young adults.

 

2. I am 27 and I no longer have health insurance under my parents. What health care option is affordable for me?

There are many options for you. You have a wide variety of options that will be available to you and you can select the best option for your lifestyle.

 

3. I currently work full-time but I am worried about getting dropped to part-time because my company doesn't want to pay for my insurance. What can I do?

If you are dropped to part-time, your employer isn't required to pay for your health insurance; however they might offer an insurance plan to you at a higher price than a full-time employee. The Affordable Care Act is making sure there are more options at more price levels than ever so you can pick the insurance that you can afford.

 

4. I work a couple part-time jobs. What can I do to afford health insurance?

If you work for a large employer, you might be offered health insurance however you may have to pay more than a full-time employee. The Affordable Care Act is making sure there are more options at more price levels than ever so you can pick the insurance that you can afford.

 

5. I am on Medicaid. How does this affect me?

Because of the Affordable Care Act, Medicaid will be expanding and will be able to cover more people than ever. There will be increased federal funding to upgrade Medicaid eligible systems, money to improve care for those who need "health home" services, and chronic disease prevention funding.  

 

6. I am 62 years old. I would love to retire but I don't qualify for Medicaid yet and my wife and I both have pre-existing health conditions. I have heard insurance companies can't turn us down. Is this true?

Starting in 2014, all health insurers will have to sell coverage to everyone who applies no matter what their medical history or health status is. Also, insurers are not allowed to charge more to individuals with pre-existing conditions and will not be able to exclude coverage of those conditions from insurance plans they sell.

 

7. I am a college student with loans and debt and can't afford health insurance.

College students have options when it comes to health insurance. You can stay on your parent's plan until you are 26. There are student health plans that aren't as expensive and cover everything you need while you are in college.

 

8. I am a stay at home mom and my husband has health insurance through his work. Will it cover our family?

His health insurance will still cover your family. The only change would be that you may no longer have to pay co-insurance, copayments, or deductables on preventive care.

 

9. I work in a business with only 25 employees. How will the Affordable Care Act affect me?

Not only will you still be covered but you may have the ability to no longer pay a copayment, co-insurance or deductable on preventative care.  

 

10. My wife is employed by a large corporation and her insurance currently covers our family. How will this change with the Affordable Care Act?

Plans established on March 23, 2010 are called "grandfather plans" are have to follow some of the new rules but are exempt from others. Starting in 2014, grandfathered employer plans will be required to eliminate any limits on coverage, not exclude adults with pre-existing health conditions, and limit waiting periods for coverage to no more than 90 days. However, grandfathered plans will not be required to change their benefits to meet the new minimum benefit standards and will not have to limit enrollee cost sharing or provide coverage for preventive services with no cost-sharing. In order to keep their "grandfather" status, the plan can't reduce or eliminate benefits to treat particular conditions, increase employee cost-sharing (including deductibles, co-insurance, and co-payments) above certain thresholds, reduce employer share of the premium cost, or change insurers. If a plan loses grandfathered status, it will have to comply with all of the new rules.

 

11. I live alone, work 3 jobs, and can't afford health insurance, what can I do?

There are government programs that can help those who can't afford it. If you make less that X% you may be eligible for rebates and special programs.

 

12. My husband and I already have health insurance. Do we have to change?

You do not have to change but if you would like to change there are a lot of new options that can might better fit your lifestyle. Using insurance exchange, you can find a great option for you.

 

13. I have a family of 5 and I have health insurance through work. Does the Affordable Care Act still cover my family?

The Affordable Care Act will still cover your family. You may also be able to no longer pay co-insurance, copayments, or deductables on preventive care.

 

14. I don't have health insurance because I never get sick. Why do I need to purchase health insurance?

Insurance is here to help you. If you have an emergency, you can avoid major financial struggles by having health insurance. It is more affordable than ever with options for every lifestyle and budget and  you are ultimately doing the right thing for yourself and others.

 

15. I have health insurance currently but what are the changes that can help me?

There will be more options than ever that mgiht be better for your budget or lifestyle. There are also government programs that based on your income, could help pay for your health insurance.

 

16. I own a small business. How does the Affordable Care Act affect me?

Starting in 2010, businesses with fewer than 25 full time equivalents and average annual wages of less than $50,000 that pay at least half of the cost of health insurance for their employees were eligible for a tax credit. The full credit was available to employers with 10 or fewer employees and average annual wages of less than $25,000.  The credit phases-out as firm size and average wage increases. The credit is capped based on the average health insurance premium in the area where the small business is located.
 
The tax credit for small business owners will be introduced in two phases. The first was introduced in 2010 where eligible employers were able to possibly receive a tax credit up to 35% of the employer's contribution toward the employee's health insurance premium. This lasts from 2010 to the end of 2013. From 2014 and every year after, eligible small businesses that purchase coverage through the state Exchange may receive a tax credit of up to 50% of the employer's contribution toward the employee's health insurance premium. Employers are eligible to take the tax credit for two years. Tax-exempt small businesses meeting these requirements will be eligible for tax credits up to35% of the employer's contribution toward the employee's health insurance premium starting in 2014.

Businesses with fewer than 50 employees are exempt from penalties faced by larger employers that do not offer coverage.

Small businesses with fewer than 100 employees will be able to purchase coverage through Small Business Health Options Program (SHOP) Exchanges beginning in 2014. These state-based exchanges are put in place to allow employers to shop for qualified coverage and more easily compare prices and benefits.  In 2017, states will have the option to allow businesses with more than 100 employees to purchase coverage through the SHOP Exchanges.

 

17. I work at a large company and I currently have their health insurance. How does the Affordable Care Act affect me?

You will still be under your companies insurance but you may be able to no longer pay deductables, copayments, or co-insurance.