The 2013 level for a single person is $11,490. Your son should be eligible for subsidy.
It is true that alot of the plans in the exchange will have limited networks
Because of the individual mandate, you have a penalty to pay if you don't have qualified medical coverage
As a reminder, you have until December to obtain coverage. I would recommend that you wait a couple of weeks to allow the system to be running properly. You can go to Healthcare.gov, contact a navigator or a licensed agent that has been certified for the Market place. You can go to National Association of Health Underwriters at www.NAHU.org and find an agent.
Yes, and it may be as an advantage if you qualify for the subsidy
Yes, see my previous answer
It means that the plan can stay as is and not have to meet some of the requirement of the Act
For individual policies, the cost will go up at renewal time in 2014 in most cases as more beneits willbe required and you may have to a lower out of pocket cost
Healthcare.gov is currently backlogged. Wait a couple of weeks and hopefully the bugs will be worked out.
A certified licensed agent can also help you with the details of this coverage. If you need an agent, you can go to the National Association of Health Underwriters. Their website is nahu.org and you can find an agent in your area.
There are also navigators who have been trained to help with the process
You will need to look at the details of the plan and the drug formulary for medications.
No you are not required to sign up for coverage through the exchange
It is part of the law know as the individual mandate. This part of the law was upheld by the Supreme Court.
These coverages are not effective until January 1st. I would find an agent that can help you find the best coverage to meet your needs
Healthcare.gov is the website fior the Marketplace and the telephone number is 800-318-2596. Be patient as the system is overloaded. You may want to wait a few days and try
The subsidy available will be based on your income and your dependents. You can recieve a subsidy up to 400% of the Federal Poverty Level. For a family of 4, 400% of Federal Poverty Level is family income of $94.200
It depends on the size of the employer group. For employers with less than 50 lives, they are not required to provide coverage. For grops with more than 50 employees they will have to offer coverage beginning in 2015 or face a penalty
The susidy is based on income and size of family. There will be no discount for physical limitations.
Do you currently have coverage?
You need to see if your coverage will be subsidied by the government. If you decide not to buy coverage, you wil have a penatly of the greater of $95 or 1% of your income
Yes continue to see if you are eligible for the subsidy. You ned to look at each carrier's coverage and their networks. We are finding that they are limiting networks for exchange coverage. Also be aware of whether it is an HMO or PPO network as you make your decision. Within the four levels of plans, Platium, Gold, Silver and Bronze there may be more than one plan per carrier
The whole process is confusing. I recommend you consider using a navigator or certified licensed agent.
The phones are still ringing. Can I help you?
Yes the Platium and Gold cover more than silver and bronze. The levels are based on the acturial amount of pocket. For instance, the platium cover 90% and the bronze only covers 60%. Just review plans for network; PPO an HMO
It is based off your income. If you are lucky to win the lottery, you will have to include that income
I hope it will be prorated, but you need to check with your tax professional to be sure
sure, what can I help you with?
She will be able to go on her employer's sponsored group plan when she becomes eligible for that coverage
If your income increases =, it is possible that you would have to oay oart of the subsidy back to the government. That will be determined when you file your taxes. If your income decreases, I don't believe there is a way to get a larger subsidy until the next year
I would suggest that he goes through the exchange and obtain coverage there. Since he is 23, it will be the best approach.
You are locked into the plan for the year. You can cancel but you won't be eligible until the next open enrollment period. There are some qualifying events that aloow mid year sign up but just wanting to change won't be such an event
Thanks for participating in this web chat. As a reminder, you can get help at nahu.org and you can find a certified licenced agent to help you. You can also get the help of a navigator. If you are trying this yourself, I would recommend that you wait for a week to 10 days to try the website, healthcare.gov.