Affordable Care Act & You: What every consumer should know

What is the ACA (“Obamacare”)? The Patient Protection and Affordable Care Act (ACA) ACA reforms our complex health care system 85% of working Americans receive healthcare as a benefit of their full-time employment. Consumers can now purchase insurance from the federal Marketplace. ACA makes healthcare care more accessible and affordable Preventive care Family planning Related healthcare services No discrimination due to pre-existing conditions or gender

How the ACA Works Consumers can enroll in a Qualified Health Plan (QHP) through the Marketplace They can compare available plan options including monthly premiums, co-pays, deductibles, service networks, etc. There is a single, streamlined application for private health plans, Medicaid and/or CHIP options. ACA requires you to have coverage. The 2014 Individual Responsibility Fee Penalty can be $95 per individual; $285 per family; or 1% family income. A number of exemptions are available.

How the Marketplace Works https://www.healthcare.gov/marketplace/individual

Application Process Enroll in Qualified Health Plan Submit application to the Marketplace Eligibility determined and verified Eligibility determined for Qualified Health Plan, Medicaid or CHIP Enroll in Medicaid or CHIP Online By Phone In Person Supported by Data Services Hub

Ways to Apply Online: In Person: By Phone (24/7, 150 languages): www.HealthCare.gov By Phone (24/7, 150 languages): 1-800-318-2596 In Person: Certified Application Counselors & Navigators Visit your nearest federally qualified health center or go to www.LocalHelp.HealthCare.gov.

Eligibility Eligibility: Live in the service area US citizen or lawfully present non-citizen for the period of enrollment Not incarcerated

Affordable Coverage A refundable or Advanced Premium Tax Credit (APTC): Can only be used to buy insurance from the Marketplace You can take it now and have it reduce your monthly premium. Or, you can take it later and have it reduce your income tax liability. Eligibility for the APTC is based on: Tax filing status and family size Household income of 100%-400% Federal Poverty Level Consumer is ineligible for government or employer insurance Additional Cost-Sharing Reductions are also available Household income of 100%-250% of Federal Poverty Level

Lawfully Present Non-Citizens Lawfully present non-citizens are not eligible for federal benefits until they have been residents for 5+ years. However, if they are ineligible for Medicaid because of their immigration status, they can receive APTC even if their income is below 100% Federal Poverty Level.

Federal Poverty Level Table For households with more than 8 individuals, add $4060 for each. Households earning less than 100% FPL will not be eligible for APTC. Households earning more than 400% FPL will not be eligible for APTC. Medicaid was not expanded in Florida.

Types of Plans Types of health plans Platinum 90% of covered costs paid by plan Maximum services Lower deductible, higher premiums Gold 80% of covered costs paid by plan Silver 70% of covered costs paid by plan Bronze 60% of covered costs paid by plan Minimum services Higher deductible, lower premiums Catastrophic coverage is also available for adults under age 30 and/or those who obtain a hardship waiver.

Essential Health Benefits Each plan must include, at a minimum, 10 essential health benefits (below) More expensive plans offer additional benefits Ambulatory Patient Services Prescription Drugs Emergency Services Rehabilitative Services and Devices Hospitalization Laboratory Services Maternity and Newborn Care Preventive & Wellness Services and Chronic Disease Management Mental Health and Substance Use Disorder Services (to include behavioral health care) Pediatric services, including oral & vision care (pediatric oral services may be provided by stand-alone plan)

Enrollment Open Enrollment is November 15, 2014 through February 15, 2015. Health coverage is effective January 1, 2015 if purchased by December 15, 2014.

For more information …. In Person: [Insert Contact Info Here] By Phone: Marketplace Call Center at 1 (800) 318-2596 On-line: www.HealthCare.gov