Health Care Reform – Individual FAQ’s

What is the goal of federal health reform?

The goal of federal health reform – also known as the Affordable Care Act (ACA) and Obamacare – is to provide Americans with access to affordable coverage. In 2013, as many as 1.2 million Michiganders are uninsured.

4 ways to get coverage

What is a Health Insurance Marketplace?

Insurance Marketplaces offer a new way to get affordable health coverage. Each state will have a Health Insurance Marketplace where you can find an insurance plan that best fits your needs. All plans in the exchange are run by private companies, will have the same core set of essential health benefits and cannot deny coverage for pre-existing conditions. You can compare plans based on price, benefits and other features. With one application, you can see all options and enroll.

Video courtesy of HealthCare.gov

Key dates for signing up for 2014 health insurance


*if enrolled by 12/15 and your first premium is paid

How can I save money?

You can save money in the Health Insurance Marketplace, depending on your income and family size.

  • You may qualify for lower monthly premiums.
  • You may qualify for lower out-of-pocket costs.
  • You or your child may get free or low-cost coverage through Medicaid or the Children’s Health Insurance Program (CHIP). Some states will be expanding Medicaid so that more people than ever will qualify beginning in 2014.

Do I have to get health insurance?

Having health insurance ensures that you will be covered in the case of an emergency or a change in your health. It is also your ticket to the doctor’s office and all Marketplace policies will include free preventive care such as mammograms, immunizations, annual physicals and more.

Additionally, the law requires most Americans to have health insurance or to pay a penalty on your annual taxes for failing to do so. Penalties will increase through 2016.

Where can I learn more?

Contact us at 877-668-6660 ext 1005