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2014 Health Insurance, Common Questions

How do I get an exemption from the fee for not having health coverage?

Starting 2014, most people must have health coverage or pay a fee (the “individual shared responsibility payment”). You can get an exemption in certain cases.

What if I need coverage that starts before January 2015?

You can buy individual insurance that starts before January 1, 2014. We can help you find your options. Generally, to apply for coverage outside of the Open Enrollment period, you may have to have a Qualifying Life Event.

What if someone doesn’t have health coverage in 2015?

If someone can afford it but doesn’t have health insurance coverage in 2015, they may have to pay a fee. They must also pay for all of their care.

What if I’m self-employed?

If you’re self-employed with no employees, you’re not considered an employer. You can use the Marketplace to find coverage that fits your needs.

What if I have a pre-existing health condition?

Starting in 2014, most health insurance plans can’t refuse to cover you or charge you more just because you have a pre-existing health condition.

How does the Affordable Care Act help people like me?

If you need coverage, you can use the Marketplace. If you have coverage, you gain new protections. If you don’t have coverage, you may have to pay a fee.

What are my health coverage options if I’m unemployed?

If you’re unemployed you may qualify for Medicaid, the Children’s Health Insurance Program, or lower costs on Marketplace insurance based on your income.

What are my breastfeeding benefits?

The health care law requires most health insurance plans to provide breastfeeding equipment and counseling for pregnant and nursing women

Can I get dental coverage in the Marketplace?

In the Health Insurance Marketplace, you generally can get dental coverage as part of a health plan or by itself through a separate, stand-alone dental plan.

What if I’m a part-time employee without health coverage?

If you’re a part-time worker without job-based coverage, you may be able to buy health insurance in the Marketplace and get lower costs based on your income

Why should I have health coverage?

No one plans to get sick or hurt, but most people need medical care at some point. Health insurance covers these costs and protects you from very high expenses.

What key dates do I need to know?

Learn about the 3 key dates you’ll want to know as you prepare to shop for health insurance coverage through the Health Insurance Marketplace.

What if I have job-based insurance?

If you have job-based health insurance you like, you can keep it. You’re considered covered. You may be able to change to Marketplace coverage if you want to. Generally, if the cost of your employers insurance is more than 9.5% of your monthly income, you may be eligible for subsidies through the Marketplace.

What if I’m losing job-based insurance?

If you lose your job-based health insurance, you have 2 primary options for health insurance coverage: a Marketplace plan or COBRA continuation coverage. If the cost of your Cobra insurance is more than 9.5% of your monthly income, you may be eligible for subsidies through the Marketplace.

What are the different types of health insurance?

Different types of health insurance plans meet different needs. When you compare options, it’s important to understand the differences.

Help Center

Help with the Health Insurance Marketplace is available by phone, live chat, and online. Starting in November, in-person help will be available in many communities.

Contact Us

Help with the Health Insurance Marketplace is available by phone, live chat, and online. Starting in October, in-person help will be available in many communities. 1-855-55-ENROLL

Can I use a Flexible Spending Account (FSA) to pay some medical expenses?

You can use a Flexible Spending Account (FSA) to pay for copayments, deductibles, some drugs, and other health care costs. FSAs are limited to $2,500 per year.

Can I keep my own doctor?

Depending on the plan you choose in the Marketplace, you may be able to keep your current doctor

HealthCare Reform 2014 located at 201 E. Pine St. , Orlando, FL . Reviewed by 7,691 customers rated: 4.9 / 5