The Affordable Care Act in Arizona Also Known As

Questions to Explore  What are the aims of the ACA?  How many more Arizonans are covered?  How does it work?  What can Assisters and Brokers do?  Where can I find help?

ACA – Triple Aim  Reduce number of uninsured  Reduce total healthcare expenses  Improve healthcare quality Context

Results

Who is Eligible  US Citizens  Lawfully Present  Deferred Action  Undocumented

Coverage – Four Important Facts How It Works

Important Fact #1 It’s Time  Health Insurance Marketplace Open Enrollment, Nov 1, 2015 to Jan 31, 2016  Special enrollment periods for life changes all year long; births, marriage etc.  AHCCCS (Medicaid) open year around How It Works For Jan 1 by Dec 15

Important Fact # 2  8 out of 10 received financial assistance  Received an average of $155 a month to lower monthly premiums  86 out of 100 could have bought a plan for less than $100 a month. How It Works Arizonans:

Important Fact # 2 Approximately 350,000 Arizonans are eligible but not enrolled in free health care - AHCCCS How It Works

Marketplace Financial Assistance AHCCCS Making Insurance Affordable 3. Premium Tax Credits 400% FPL $79,160 (3 people) 250% FPL $49,475 (3 people) 138% FPL $27,724 (3 people) 2. Cost Sharing Reduction 1. Medicaid AHCCCS How it Works

Making Insurance Affordable Family SizeOneTwoThreeFourFive AHCCCS 138% $16,243$21,983$27,724$33,465$39,206 PTC & CSR 250% $29,425$39,825$50,225$60,625$71,025 PTC 400% $47,080$63,720$80,360$97,000$113,640 “The more you earn, the more you pay”

Marketplace Financial Assistance Example Premium Tax Credits How it Works Monthly Insurance Premium for the Family $400 Premium Tax Credit goes to Insurance Co. - $200 Your share$200 When you pay your income tax, you balance the books; take more than you should – must give it back; take too little, get a check.

Marketplace Financial Assistance Example You pay for a Silver plan, but get a Gold plan. Your out-of-pocket costs to see a doctor, visit a hospital or get a prescription are less. Because you earn less, you get a reduction in your portion of the bill when you receive medical care. Cost Sharing Reduction How it Works

A Few Simple Steps Create an Account Apply Pick a PlanEnroll & Pay Determination Notice $$ Financial Aid $$ How It Works

Get Covered or Pay $95 or 1% of income 2014 $325 or 2% of income 2015 $ 695 or 2.5% of income 2016 “Whichever is greater” How It Works

Options for shopping & enrolling Do It Yourself healthcare.gov Broker Agent 1000’s to choose from Assisters One on one local help $$ No charge to you – all are free $$

Statewide Scheduling Talk to a Navigator Appointments How It Works

 Arizona’s largest primary care network; serving rural, urban and tribal areas  Comprehensive primary care, located in underserved areas, open to anyone with or without insurance coverage Community Health Centers

700 E. Jefferson Street, Suite 100 Phoenix, AZ (602)