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Affordable Care Act Overview

And the New Health Insurance Marketplace
by

Charlyn Hill

on 17 December 2013

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Transcript of Affordable Care Act Overview

Affordable Care Act
On March 23, 2010, President Obama signed the Affordable Care Act into law, putting in place comprehensive reforms that improve access to affordable health coverage for everyone and protect consumers from abusive insurance company practices.
If you already have health insurance, the only changes you will see under the law are new benefits, better protections from insurance company abuses, and more value for every dollar you spend on health care. If you like your plan you can keep it and you don’t have to change a thing due to the health care law.
If you are uninsured or don’t get your coverage through work, on October 1st the new Health Insurance Marketplace opens for business, allowing millions of Americans to comparison shop for a variety of quality, affordable plans that best meet their health care needs.
The Affordable Care Act creates a new Patient’s Bill of Rights
End to Pre-Existing Condition Discrimination
End to Limits on Lifetime Care even for serious or chronic illness
End of Coverage Cancellations due to paperwork errors
Affordable Care Act
will create a
Health Insurance Marketplace
New ways to find health coverage that fits your budget and meets your needs
One application to see all your options and to enroll
Essential health benefits, including doctor visits, preventive care, hospitalization, & prescriptions
Compare plans based on price, benefits, & quality
You can apply for Marketplace coverage online, by mail, or in-person
Telephone help and online chat will be available 24/7
Open enrollment starts October 1, 2013
Plans and prices will be available then
Coverage starts as soon as January 1, 2014
Health Insurance Marketplace
If you live in Florida, you’ll use HealthCare.gov to apply for coverage, compare plans, and enroll. Enrollment starts October 1, 2013.
Get Ready NOW!
Sign up for email or text updates
Learn about different kinds of insurance
HMOS
PPOS
HDHP
Catastrophic Health Plans
Understand how coverage works
premiums, deductibles, out-of-pocket maximums, copayments, and coinsurance
Watch Informational Videos

How do premium subsidies work?


Additional
Educational
Websites of Interest

Subsidy Calculator
Premium Assistance for Coverage in Exchanges
Information About Your Household
Enter annual income?
Is employer coverage available?
Number of people in family?
Number of adults in exchange coverage?
Age?
Uses Tobacco?
Number of children (20 and younger) enrolling?

Calculate your health insurance premiums and subsidies if you are purchasing coverage in new health insurance exchanges (or “Marketplaces”). Beginning in October 2013, middle-income people under age 65, who are not eligible for coverage through their employer, Medicaid, or Medicare, can apply for tax credit subsidies available through state-based exchanges.
Kaiser Family Foundation Health Insurance Subsidy Calculator
Estimates based on income, family size, age, and tobacco usage
People purchasing coverage on their own will be eligible for government subsidies (through a tax credit) towards their health insurance premiums based on income
http://tinyurl.com/mor329h
Website managed by the U.S. Centers for Medicare & Medicaid Services.
What is the Health Insurance Marketplace?
How can I lower my costs?
What do small businesses need to know?
Where do I go for info about my state?
What if I have Health Insurance ?
What about Medicare?
http://kff.org/health-reform/
The latest on health and policy
FAQs & Quizzes
Local Resources
Subsidy Calculator
Resources for making informed choices
Kaiser Family Foundation
http://101.communitycatalyst.org
Health Insurance 101
All you need to know about private health insurance:
What is health insurance and how does it work?
How do people get health insurance today?
How will health insurance change under health care reform?
From Community Catalyst and the Georgetown University Health Policy Institute
http://tinyurl.com/4rrcgu8
AARP's Health Care Law
FACT SHEETS
Just the facts, ma'am
Available in Spanish, Chinese, Korean, Vietnamese and Tagalog.
For FREE copies of these fact sheets email fulfillment@aarp.org.
http://tinyurl.com/bqvk94u
The Commonwealth Fund
Promoting a high performing health care system with better access, improved quality, and greater efficiency
Local Health Care Ranking with Interactive Maps
https://www.healthcare.gov/
For more details

please visit your

Citrus County Libraries!

http://www.citruslibraries.org/
Full transcript