Category Archives: State Affordable Care Act

Wyoming Affordable Care Act

Wyoming Affordable Care Act Comprehensive Guide

In this article, you will learn about the Affordable Care Act health care reform laws in Wyoming.  You will get an understanding of how the health care law impacts you as a citizen of the state.  Learn how to sign-up for Affordable Care Act, learn about the Affordable Care Act penalty and subsidies, and much more.

What is Wyoming Affordable Care Act?

Affordable Care Act, also know as Obama Care, was signed into law in March 2010.  The goal of Affordable Care Act is to provide US citizens with affordable health insurance and to reduce the cost of health care spending for families and in America.

The Key Points of the Affordable Care Act / Wyoming Obamacare:

How to Apply for Wyoming Affordable Care Act?

Wyoming Affordable Care Act marketplace is run by the Federal government.  Click on HealthCare.gov to access Wyoming Affordable Care Act Marketplace.  You can preview the different insurance plans and see participating doctors before selecting the final health insurance plan.

State Federal or State Marketplace  Website Medicaid Expansion?
Wyoming Federal www.HealthCare.gov No

When can I apply for Wyoming Affordable Care Act (Wyoming ACA)?

Wyoming Affordable Care Act’s Open Enrollment 2015-2016 starts on November 1, 2015, and ends on January 31, 2016.  To have health insurance coverage beginning on January 2016, you must apply before December 15, 2015, deadline.

In order to qualify for Tax Credit or Premium Tax Subsidies, you must purchase health insurance from the Affordable Care Act Marketplace during Open Enrollment period.

If you qualify for Wyoming Medicaid health insurance, then you can sign-up Medicaid anytime of the year.

When is the deadline for Wyoming Affordable Care Act (WY ACA)?

Important dates for Wyoming Affordable Care Act deadlines:  The absolute last day to purchase health insurance from the Marketplace is January 31, 2016.

  • December 15, 2015: Last day to enroll in or change plans for new coverage to start January 1, 2016
  • January 1, 2016: 2016 coverage starts for those who enroll or change plans by December 15.
  • January 15, 2016: Last day to enroll in or change plans for new coverage to start February 1, 2016
  • January 31, 2016: 2016 Open Enrollment ends. Enrollments or changes between January 16 and January 31 take effect March 1, 2016.

How much is Wyoming Affordable Care Act?

There are four different plans within the Wyoming Affordable Care Act.  The metal plans represent the various levels of coverage you receive and what the plan pays on average.  The plan levels DO NOT represent the quality of the health coverage/doctors you receive.

  • Bronze Plan: The plan pays 60% of the cost, you pay 40% of the cost
  • Silver Plan: The plan pays 70% of the cost, you pay 30% of the cost
  • Gold Plan: The plan pays 80% of the cost, you pay 20% of the cost
  • Platinum Plan: The plan pays 90% of the cost, you pay 10% of the cost

The cost of Affordable Care Act in Wyoming depends on the metal plan you choose and the number of people in the household.   Platinum plans have the highest insurance premiums (monthly cost) and Bronze plans have the lowest insurance premiums.

State Year Avg. Monthly Silver Plan (before Tax Credits) US Average
Wyoming 2015 $407 $268

What are the Wyoming Affordable Care Act Eligibility Requirements?

In order to get Wyoming Affordable Care Act, you must meet the following requirements:

  • Must live in Wyoming
  • Must be a US citizen, national, or lawfully present immigrant
  • Cannot be currently incarcerated (be in jailed)
  • Have a valid Social Security Number
  • and few other requirements

Do I need to get Wyoming Affordable Care Act?

Yes, every individual in Wyoming needs to have health insurance.  The Individual Mandate of Affordable Care Act health care law requires US Citizen to enroll in a health insurance plan or pay a penalty.  If you have Medicaid or company sponsored health insurance, you have met the insurance coverage requirement.

You can choose not to have health insurance, but you have to pay the penalty in addition to the hospitals/doctors medical fee if you do get sick.

How much is Affordable Care Act Penalty in Wyoming?

The penalty (or also called individual shared responsibility payment) is calculated in two ways.

For 2016 year, the ACA penalty is as follows:

  1. By percentage of income (2.5% of household income or maximum of National Average Bronze plan premium)
  2. By number of people in the household ($695 per adult, $347.50 per child or maximum $2085)

You’ll pay whichever penalty is higher. 

How much are Wyoming ACA Subsidies? What are the requirements?

Affordable Care Act Subsidies are also called, “Premium Tax Credits.”

ACA subsidy lowers your premium – the amount you pay each month to your insurance plan.The amount of your ACA Subsidy depends on the estimated household income that you put on your ACA Marketplace application.

In order to qualify for Affordable Care Act Subsidy, your income must be between 100% to 400% of the Federal Poverty Level.

Affordable Care Act - Federal Poverty Level
Federal Poverty Level Insurance Premium After PTC Subsidy
Up to 133% FPL 2% of income
133-150% FPL 3%-4% of income
150-2000% FPL 4%-6.3% of income
200-250% FPL 6.3%-8.05% of income
250-300% FPL 8.05%-9.5% of income
300-400% FPL 9.5 of income
Over 400% FPL No Government Subsidy

Medicaid Expansion under the Affordable Care Act

With the new health care reform, the Federal government offered incentives for states to expand the Medicaid program.  30 states out of the 50 states plus Washington DC expanded Medicaid program while 20 states decided not to expand Medicaid due to expected future cut back funding from the Federal government.

Wyoming did not expand the Medicaid program under the Affordable Care Act Health Care Reform as of 2015/2016.

State Medicaid Expansion
Wyoming No

Insurance Companies that offer Affordable Care Act Health Insurance Plans in Wyoming:

The following insurance companies are offering Affordable Care Act Plans in the Marketplace.

  • Blue Cross Blue Shield of Wyoming (28 plans)
  • WINhealth Partners (12)

Frequently Asked Questions (FAQ) on Wyoming Affordable Care Act:

  1. Who runs the Wyoming Affordable Care Act? Federal
  2. Where can I sign up for Wyoming Affordable Care Act? Click here
  3. Do I need to get health insurance or Affordable Care Act? Yes, if not, you have to pay a penalty.
  4. How much is Wyoming Affordable Care Act? Click here for the average ACA premium
  5. Did Wyoming expand Medicaid under Affordable Care Act? No

Click here for more Frequently Asked Questions on Obamacare / Affordable Care Act.

For more Information on Wyoming Obamacare / Affordable Care Act:

Federal HealthCare.Gov Marketplace
Toll-Free: 1-800-318-2596
Website: HealthCare.gov

Wyoming Department of Insurance
Toll-Free: (800) 438-5768
Local: (307) 777-7401
Website: State Department Insurance Website

Wyoming five largest cities in terms of population: Cheyenne, Casper, Laramie, Gillette, and Rock Springs.  You can apply for Affordable Care Act Health Insurance in any city in Wyoming.

Vermont Affordable Care Act

Vermont Affordable Care Act Comprehensive Guide

In this article, you will learn about the Affordable Care Act health care reform laws in Vermont.  You will get an understanding of how the health care law impacts you as a citizen of the state.  Learn how to sign-up for Affordable Care Act, learn about the Affordable Care Act penalty and subsidies, and much more.

What is Vermont Affordable Care Act?

Affordable Care Act, also know as Obama Care, was signed into law in March 2010.  The goal of Affordable Care Act is to provide US citizens with affordable health insurance and to reduce the cost of health care spending for families and in America.

The Key Points of the Affordable Care Act / Vermont Obamacare:

How to Apply for Vermont Affordable Care Act?

Vermont Affordable Care Act marketplace is run by the state of Vermont.  Click on Health Connect Vermont to access Vermont Affordable Care Act Marketplace.  You can preview the different insurance plans and see participating doctors before selecting the final health insurance plan.

State Federal or State Marketplace  Website Medicaid Expansion?
Vermont State healthconnect.vermont.gov Yes

When can I apply for Vermont Affordable Care Act (Vermont ACA)?

Vermont Affordable Care Act’s Open Enrollment 2015-2016 starts on November 1, 2015, and ends on January 31, 2016.  To have health insurance coverage beginning on January 2016, you must apply before December 15, 2015, deadline.

In order to qualify for Tax Credit or Premium Tax Subsidies, you must purchase health insurance from the Affordable Care Act Marketplace during Open Enrollment period.

If you qualify for Vermont Medicaid health insurance, then you can sign-up Medicaid anytime of the year.

When is the deadline for Vermont Affordable Care Act (VT ACA)?

Important dates for Vermont Affordable Care Act deadlines:  The absolute last day to purchase health insurance from the Marketplace is January 31, 2016.

  • December 15, 2015: Last day to enroll in or change plans for new coverage to start January 1, 2016
  • January 1, 2016: 2016 coverage starts for those who enroll or change plans by December 15.
  • January 15, 2016: Last day to enroll in or change plans for new coverage to start February 1, 2016
  • January 31, 2016: 2016 Open Enrollment ends. Enrollments or changes between January 16 and January 31 take effect March 1, 2016.

How much is Vermont Affordable Care Act?

There are four different plans within the Vermont Affordable Care Act.  The metal plans represent the various levels of coverage you receive and what the plan pays on average.  The plan levels DO NOT represent the quality of the health coverage/doctors you receive.

  • Bronze Plan: The plan pays 60% of the cost, you pay 40% of the cost
  • Silver Plan: The plan pays 70% of the cost, you pay 30% of the cost
  • Gold Plan: The plan pays 80% of the cost, you pay 20% of the cost
  • Platinum Plan: The plan pays 90% of the cost, you pay 10% of the cost

The cost of Affordable Care Act in Vermont depends on the metal plan you choose and the number of people in the household.   Platinum plans have the highest insurance premiums (monthly cost) and Bronze plans have the lowest insurance premiums.

State Year Avg. Monthly Silver Plan (before Tax Credits) US Average
Vermont 2015 $436 $268

What are the Vermont Affordable Care Act Eligibility Requirements?

In order to get Vermont Affordable Care Act, you must meet the following requirements:

  • Must live in Vermont
  • Must be a US citizen, national, or lawfully present immigrant
  • Cannot be currently incarcerated (be in jailed)
  • Have a valid Social Security Number
  • and few other requirements

Do I need to get Vermont Affordable Care Act?

Yes, every individual in Vermont needs to have health insurance.  The Individual Mandate of Affordable Care Act health care law requires US Citizen to enroll in a health insurance plan or pay a penalty.  If you have Medicaid or company sponsored health insurance, you have met the insurance coverage requirement.

You can choose not to have health insurance, but you have to pay the penalty in addition to the hospitals/doctors medical fee if you do get sick.

How much is Affordable Care Act Penalty in Vermont?

The penalty (or also called individual shared responsibility payment) is calculated in two ways.

For 2016 year, the ACA penalty is as follows:

  1. By percentage of income (2.5% of household income or maximum of National Average Bronze plan premium)
  2. By number of people in the household ($695 per adult, $347.50 per child or maximum $2085)

You’ll pay whichever penalty is higher. 

How much are Vermont ACA Subsidies? What are the requirements?

Affordable Care Act Subsidies are also called, “Premium Tax Credits.”

ACA subsidy lowers your premium – the amount you pay each month to your insurance plan.The amount of your ACA Subsidy depends on the estimated household income that you put on your ACA Marketplace application.

In order to qualify for Affordable Care Act Subsidy, your income must be between 100% to 400% of the Federal Poverty Level.

Affordable Care Act - Federal Poverty Level
Federal Poverty Level Insurance Premium After PTC Subsidy
Up to 133% FPL 2% of income
133-150% FPL 3%-4% of income
150-2000% FPL 4%-6.3% of income
200-250% FPL 6.3%-8.05% of income
250-300% FPL 8.05%-9.5% of income
300-400% FPL 9.5 of income
Over 400% FPL No Government Subsidy

Medicaid Expansion under the Affordable Care Act

With the new health care reform, the Federal government offered incentives for states to expand the Medicaid program.  30 states out of the 50 states plus Washington DC expanded Medicaid program while 20 states decided not to expand Medicaid due to expected future cut back funding from the Federal government.

Vermont expanded the Medicaid program under the Affordable Care Act Health Care Reform.

State Medicaid Expansion
Vermont Yes

Insurance Companies that offer Affordable Care Act Health Insurance Plans in Vermont:

The following insurance companies are offering Affordable Care Act Plans in the Marketplace.

  • Blue Cross Blue Shield
  • MVP

Frequently Asked Questions (FAQ) on Vermont Affordable Care Act:

  1. Who runs the Vermont Affordable Care Act? Vermont
  2. Where can I sign up for Vermont Affordable Care Act? Click here
  3. Do I need to get health insurance or Affordable Care Act? Yes, if not, you have to pay a penalty.
  4. How much is Vermont Affordable Care Act? Click here for the average ACA premium
  5. Did Vermont expand Medicaid under Affordable Care Act? Yes

Click here for more Frequently Asked Questions on Obamacare / Affordable Care Act.

For more Information on Vermont Obamacare / Affordable Care Act:

Federal HealthCare.Gov Marketplace
Toll-Free: 1-800-318-2596
Website: HealthCare.gov

Vermont Division of Financial Regulation
89 Main Street
Montpelier, VT 05620-3101
(802) 828-3301
Vermont Health Insurance | Vermont Health Connect

Vermont Affordable Care Act Marketplace

If you have a hard time affording health coverage and you have questions about eligibility for Medicaid or about current Medicaid benefits, go to: 
Vermont Department of Human Services
103 South Main Street
Waterbury, VT 05676-1500
http://dcf.vermont.gov/esd/health_insurance

Vermont five largest cities in terms of population: Burlington, Essex, South Burlington, Colchester, and Rutland.  You can apply for Affordable Care Act Health Insurance in any city in Vermont.

Washington DC Affordable Care Act

Washington DC Affordable Care Act Comprehensive Guide

In this article, you will learn about the Affordable Care Act health care reform laws in Washington DC.  You will get an understanding of how the health care law impacts you as a citizen of the state.  Learn how to sign-up for Affordable Care Act, learn about the Affordable Care Act penalty and subsidies, and much more.

What is Washington DC Affordable Care Act?

Affordable Care Act, also know as Obama Care, was signed into law in March 2010.  The goal of Affordable Care Act is to provide US citizens with affordable health insurance and to reduce the cost of health care spending for families and in America.

The Key Points of the Affordable Care Act / Washington DC Obamacare:

How to Apply for Washington DC Affordable Care Act?

Washington DC Affordable Care Act marketplace is run by District of Columbia  Click on DC Health Link to access Washington DC Affordable Care Act Marketplace.  You can preview the different insurance plans and see participating doctors before selecting the final health insurance plan.

State Federal or State Marketplace  Website Medicaid Expansion?
Washington DC State dchealthlink.com Yes

When can I apply for Washington DC Affordable Care Act (Washington DC ACA)?

Washington DC Affordable Care Act’s Open Enrollment 2015-2016 starts on November 1, 2015, and ends on January 31, 2016.  To have health insurance coverage beginning on January 2016, you must apply before December 15, 2015, deadline.

In order to qualify for Tax Credit or Premium Tax Subsidies, you must purchase health insurance from the Affordable Care Act Marketplace during Open Enrollment period.

If you qualify for Washington DC Medicaid health insurance, then you can sign-up Medicaid anytime of the year.

When is the deadline for Washington DC Affordable Care Act (DC ACA)?

Important dates for Washington DC Affordable Care Act deadlines:  The absolute last day to purchase health insurance from the Marketplace is January 31, 2016.

  • December 15, 2015: Last day to enroll in or change plans for new coverage to start January 1, 2016
  • January 1, 2016: 2016 coverage starts for those who enroll or change plans by December 15.
  • January 15, 2016: Last day to enroll in or change plans for new coverage to start February 1, 2016
  • January 31, 2016: 2016 Open Enrollment ends. Enrollments or changes between January 16 and January 31 take effect March 1, 2016.

How much is Washington DC Affordable Care Act?

There are four different plans within the Washington DC Affordable Care Act.  The metal plans represent the various levels of coverage you receive and what the plan pays on average.  The plan levels DO NOT represent the quality of the health coverage/doctors you receive.

  • Bronze Plan: The plan pays 60% of the cost, you pay 40% of the cost
  • Silver Plan: The plan pays 70% of the cost, you pay 30% of the cost
  • Gold Plan: The plan pays 80% of the cost, you pay 20% of the cost
  • Platinum Plan: The plan pays 90% of the cost, you pay 10% of the cost

The cost of Affordable Care Act in Washington DC depends on the metal plan you choose and the number of people in the household.   Platinum plans have the highest insurance premiums (monthly cost) and Bronze plans have the lowest insurance premiums.

State Year Avg. Monthly Silver Plan (before Tax Credits) US Average
Washington DC 2015 $242 $268

What are the Washington DC Affordable Care Act Eligibility Requirements?

In order to get Washington DC Affordable Care Act, you must meet the following requirements:

  • Must live in Washington DC
  • Must be a US citizen, national, or lawfully present immigrant
  • Cannot be currently incarcerated (be in jailed)
  • Have a valid Social Security Number
  • and few other requirements

Do I need to get Washington DC Affordable Care Act?

Yes, every individual in Washington DC needs to have health insurance.  The Individual Mandate of Affordable Care Act health care law requires US Citizen to enroll in a health insurance plan or pay a penalty.  If you have Medicaid or company sponsored health insurance, you have met the insurance coverage requirement.

You can choose not to have health insurance, but you have to pay the penalty in addition to the hospitals/doctors medical fee if you do get sick.

How much is Affordable Care Act Penalty in Washington DC?

The penalty (or also called individual shared responsibility payment) is calculated in two ways.

For 2016 year, the ACA penalty is as follows:

  1. By percentage of income (2.5% of household income or maximum of National Average Bronze plan premium)
  2. By number of people in the household ($695 per adult, $347.50 per child or maximum $2085)

You’ll pay whichever penalty is higher. 

How much are Washington DC ACA Subsidies? What are the requirements?

Affordable Care Act Subsidies are also called, “Premium Tax Credits.”

ACA subsidy lowers your premium – the amount you pay each month to your insurance plan.The amount of your ACA Subsidy depends on the estimated household income that you put on your ACA Marketplace application.

In order to qualify for Affordable Care Act Subsidy, your income must be between 100% to 400% of the Federal Poverty Level.

Affordable Care Act - Federal Poverty Level
Federal Poverty Level Insurance Premium After PTC Subsidy
Up to 133% FPL 2% of income
133-150% FPL 3%-4% of income
150-2000% FPL 4%-6.3% of income
200-250% FPL 6.3%-8.05% of income
250-300% FPL 8.05%-9.5% of income
300-400% FPL 9.5 of income
Over 400% FPL No Government Subsidy

Medicaid Expansion under the Affordable Care Act

With the new health care reform, the Federal government offered incentives for states to expand the Medicaid program.  30 states out of the 50 states plus Washington DC expanded Medicaid program while 20 states decided not to expand Medicaid due to expected future cut back funding from the Federal government.

Washington DC expanded the Medicaid program under the Affordable Care Act Health Care Reform.

State Medicaid Expansion
Washington DC Yes

Insurance Companies that offer Affordable Care Act Health Insurance Plans in Washington DC:

The following insurance companies are offering Affordable Care Act Plans in the Marketplace.

  • Aetna Inc.
  • CareFirst BlueCross BlueShield
  • Kaiser Permanente

Frequently Asked Questions (FAQ) on Washington DC Affordable Care Act:

  1. Who runs the Washington DC Affordable Care Act? Washington DC
  2. Where can I sign up for Washington DC Affordable Care Act? Click here
  3. Do I need to get health insurance or Affordable Care Act? Yes, if not, you have to pay a penalty.
  4. How much is Washington DC Affordable Care Act? Click here for the average ACA premium
  5. Did Washington DC expand Medicaid under Affordable Care Act? Yes

Click here for more Frequently Asked Questions on Obamacare / Affordable Care Act.

For more Information on Washington DC Obamacare / Affordable Care Act:

Federal HealthCare.Gov Marketplace
Toll-Free: 1-800-318-2596
Website: HealthCare.gov

District of Columbia Healthcare Finance
Office of the Ombudsman
441 4th St, NW (9th and 10th Fl.)
Washington, DC 20001
(877) 685-6391
healthcareombudsman@dc.gov

Washington DC Affordable Care Act Marketplace

 

North Dakota Affordable Care Act

North Dakota Affordable Care Act Comprehensive Guide

In this article, you will learn about the Affordable Care Act health care reform laws in North Dakota.  You will get an understanding of how the health care law impacts you as a citizen of the state.  Learn how to sign-up for Affordable Care Act, learn about the Affordable Care Act penalty and subsidies, and much more.

What is North Dakota Affordable Care Act?

Affordable Care Act, also know as Obama Care, was signed into law in March 2010.  The goal of Affordable Care Act is to provide US citizens with affordable health insurance and to reduce the cost of health care spending for families and in America.

The Key Points of the Affordable Care Act / North Dakota Obamacare:

How to Apply for North Dakota Affordable Care Act?

North Dakota Affordable Care Act marketplace is run by the Federal government.  Click on HealthCare.gov to access North Dakota Affordable Care Act Marketplace.  You can preview the different insurance plans and see participating doctors before selecting the final health insurance plan.

State Federal or State Marketplace  Website Medicaid Expansion?
North Dakota Federal www.HealthCare.gov Yes

When can I apply for North Dakota Affordable Care Act (North Dakota ACA)?

North Dakota Affordable Care Act’s Open Enrollment 2015-2016 starts on November 1, 2015, and ends on January 31, 2016.  To have health insurance coverage beginning on January 2016, you must apply before December 15, 2015, deadline.

In order to qualify for Tax Credit or Premium Tax Subsidies, you must purchase health insurance from the Affordable Care Act Marketplace during Open Enrollment period.

If you qualify for North Dakota Medicaid health insurance, then you can sign-up Medicaid anytime of the year.

When is the deadline for North Dakota Affordable Care Act (ND ACA)?

Important dates for North Dakota Affordable Care Act deadlines:  The absolute last day to purchase health insurance from the Marketplace is January 31, 2016.

  • December 15, 2015: Last day to enroll in or change plans for new coverage to start January 1, 2016
  • January 1, 2016: 2016 coverage starts for those who enroll or change plans by December 15.
  • January 15, 2016: Last day to enroll in or change plans for new coverage to start February 1, 2016
  • January 31, 2016: 2016 Open Enrollment ends. Enrollments or changes between January 16 and January 31 take effect March 1, 2016.

How much is North Dakota Affordable Care Act?

There are four different plans within the North Dakota Affordable Care Act.  The metal plans represent the various levels of coverage you receive and what the plan pays on average.  The plan levels DO NOT represent the quality of the health coverage/doctors you receive.

  • Bronze Plan: The plan pays 60% of the cost, you pay 40% of the cost
  • Silver Plan: The plan pays 70% of the cost, you pay 30% of the cost
  • Gold Plan: The plan pays 80% of the cost, you pay 20% of the cost
  • Platinum Plan: The plan pays 90% of the cost, you pay 10% of the cost

The cost of Affordable Care Act in North Dakota depends on the metal plan you choose and the number of people in the household.   Platinum plans have the highest insurance premiums (monthly cost) and Bronze plans have the lowest insurance premiums.

State Year Avg. Monthly Silver Plan (before Tax Credits) US Average
North Dakota 2015 $272 $268

What are the North Dakota Affordable Care Act Eligibility Requirements?

In order to get North Dakota Affordable Care Act, you must meet the following requirements:

  • Must live in North Dakota
  • Must be a US citizen, national, or lawfully present immigrant
  • Cannot be currently incarcerated (be in jailed)
  • Have a valid Social Security Number
  • and few other requirements

Do I need to get North Dakota Affordable Care Act?

Yes, every individual in North Dakota needs to have health insurance.  The Individual Mandate of Affordable Care Act health care law requires US Citizen to enroll in a health insurance plan or pay a penalty.  If you have Medicaid or company sponsored health insurance, you have met the insurance coverage requirement.

You can choose not to have health insurance, but you have to pay the penalty in addition to the hospitals/doctors medical fee if you do get sick.

How much is Affordable Care Act Penalty in North Dakota?

The penalty (or also called individual shared responsibility payment) is calculated in two ways.

For 2016 year, the ACA penalty is as follows:

  1. By percentage of income (2.5% of household income or maximum of National Average Bronze plan premium)
  2. By number of people in the household ($695 per adult, $347.50 per child or maximum $2085)

You’ll pay whichever penalty is higher. 

How much are North Dakota ACA Subsidies? What are the requirements?

Affordable Care Act Subsidies are also called, “Premium Tax Credits.”

ACA subsidy lowers your premium – the amount you pay each month to your insurance plan.The amount of your ACA Subsidy depends on the estimated household income that you put on your ACA Marketplace application.

In order to qualify for Affordable Care Act Subsidy, your income must be between 100% to 400% of the Federal Poverty Level.

Affordable Care Act - Federal Poverty Level
Federal Poverty Level Insurance Premium After PTC Subsidy
Up to 133% FPL 2% of income
133-150% FPL 3%-4% of income
150-2000% FPL 4%-6.3% of income
200-250% FPL 6.3%-8.05% of income
250-300% FPL 8.05%-9.5% of income
300-400% FPL 9.5 of income
Over 400% FPL No Government Subsidy

Medicaid Expansion under the Affordable Care Act

With the new health care reform, the Federal government offered incentives for states to expand the Medicaid program.  30 states out of the 50 states plus Washington DC expanded Medicaid program while 20 states decided not to expand Medicaid due to expected future cut back funding from the Federal government.

North Dakota expanded the Medicaid program under the Affordable Care Act Health Care Reform.

State Medicaid Expansion
North Dakota Yes

Insurance Companies that offer Affordable Care Act Health Insurance Plans in North Dakota:

The following insurance companies are offering Affordable Care Act Plans in the Marketplace.

  • Blue Cross Blue Shield of North Dakota
  • Medica (in 8 counties)
  • Sanford Health Plan

Frequently Asked Questions (FAQ) on North Dakota Affordable Care Act:

  1. Who runs the North Dakota Affordable Care Act? Federal
  2. Where can I sign up for North Dakota Affordable Care Act? Click here
  3. Do I need to get health insurance or Affordable Care Act? Yes, if not, you have to pay a penalty.
  4. How much is North Dakota Affordable Care Act? Click here for the average ACA premium
  5. Did North Dakota expand Medicaid under Affordable Care Act? Yes

Click here for more Frequently Asked Questions on Obamacare / Affordable Care Act.

For more Information on North Dakota Obamacare / Affordable Care Act:

Federal HealthCare.Gov Marketplace
Toll-Free: 1-800-318-2596
Website: HealthCare.gov

North Dakota Insurance Department
State Capitol, fifth floor
600 E. Boulevard Ave.
Bismarck, ND 58505-0320
(701) 328-2440
(800) 247-0560
TTY: (800) 366-6888
http://www.nd.gov/ndins/
insurance@nd.gov

If you have a hard time affording health coverage and you have questions about eligibility or current Medicaid benefits, go to:  

North Dakota Medicaid Program
Medical Services Division
North Dakota Department of Human Services
600 E. Boulevard Ave., Dept 325
Bismarck, ND 58505-0250
(701) 328-2321
Toll Free: (800) 755-2604
http://www.nd.gov/dhs/services/medicalserv/medicaid/
dhsmed@nd.gov

North Dakota five largest cities in terms of population: Fargo, Bismarck, Grand Forks, Minot, and West Fargo.  You can apply for Affordable Care Act Health Insurance in any city in North Dakota.

Alaska Affordable Care Act

Alaska Affordable Care Act Comprehensive Guide

In this article, you will learn about the Affordable Care Act health care reform laws in Alaska.  You will get an understanding of how the health care law impacts you as a citizen of the state.  Learn how to sign-up for Affordable Care Act, learn about the Affordable Care Act penalty and subsidies, and much more.

What is Alaska Affordable Care Act?

Affordable Care Act, also know as Obama Care, was signed into law in March 2010.  The goal of Affordable Care Act is to provide US citizens with affordable health insurance and to reduce the cost of health care spending for families and in America.

The Key Points of the Affordable Care Act / Alaska Obamacare:

How to Apply for Alaska Affordable Care Act?

Alaska Affordable Care Act marketplace is run by the Federal government.  Click on HealthCare.gov to access Alaska Affordable Care Act Marketplace.  You can preview the different insurance plans and see participating doctors before selecting the final health insurance plan.

State Federal or State Marketplace  Website Medicaid Expansion?
Alaska Federal www.HealthCare.gov Yes

When can I apply for Alaska Affordable Care Act (Alaska ACA)?

Alaska Affordable Care Act’s Open Enrollment 2015-2016 starts on November 1, 2015, and ends on January 31, 2016.  To have health insurance coverage beginning on January 2016, you must apply before December 15, 2015, deadline.

In order to qualify for Tax Credit or Premium Tax Subsidies, you must purchase health insurance from the Affordable Care Act Marketplace during Open Enrollment period.

If you qualify for Alaska Medicaid health insurance, then you can sign-up Medicaid anytime of the year.

When is the deadline for Alaska Affordable Care Act (AK ACA)?

Important dates for Alaska Affordable Care Act deadlines:  The absolute last day to purchase health insurance from the Marketplace is January 31, 2016.

  • December 15, 2015: Last day to enroll in or change plans for new coverage to start January 1, 2016
  • January 1, 2016: 2016 coverage starts for those who enroll or change plans by December 15.
  • January 15, 2016: Last day to enroll in or change plans for new coverage to start February 1, 2016
  • January 31, 2016: 2016 Open Enrollment ends. Enrollments or changes between January 16 and January 31 take effect March 1, 2016.

How much is Alaska Affordable Care Act?

There are four different plans within the Alaska Affordable Care Act.  The metal plans represent the various levels of coverage you receive and what the plan pays on average.  The plan levels DO NOT represent the quality of the health coverage/doctors you receive.

  • Bronze Plan: The plan pays 60% of the cost, you pay 40% of the cost
  • Silver Plan: The plan pays 70% of the cost, you pay 30% of the cost
  • Gold Plan: The plan pays 80% of the cost, you pay 20% of the cost
  • Platinum Plan: The plan pays 90% of the cost, you pay 10% of the cost

The cost of Affordable Care Act in Alaska depends on the metal plan you choose and the number of people in the household.   Platinum plans have the highest insurance premiums (monthly cost) and Bronze plans have the lowest insurance premiums.

State Year Avg. Monthly Silver Plan (before Tax Credits) US Average
Alaska 2015 $547 $268

What are the Alaska Affordable Care Act Eligibility Requirements?

In order to get Alaska Affordable Care Act, you must meet the following requirements:

  • Must live in Alaska
  • Must be a US citizen, national, or lawfully present immigrant
  • Cannot be currently incarcerated (be in jailed)
  • Have a valid Social Security Number
  • and few other requirements

Do I need to get Alaska Affordable Care Act?

Yes, every individual in Alaska needs to have health insurance.  The Individual Mandate of Affordable Care Act health care law requires US Citizen to enroll in a health insurance plan or pay a penalty.  If you have Medicaid or company sponsored health insurance, you have met the insurance coverage requirement.

You can choose not to have health insurance, but you have to pay the penalty in addition to the hospitals/doctors medical fee if you do get sick.

How much is Affordable Care Act Penalty in Alaska?

The penalty (or also called individual shared responsibility payment) is calculated in two ways.

For 2016 year, the ACA penalty is as follows:

  1. By percentage of income (2.5% of household income or maximum of National Average Bronze plan premium)
  2. By number of people in the household ($695 per adult, $347.50 per child or maximum $2085)

You’ll pay whichever penalty is higher. 

How much are Alaska ACA Subsidies? What are the requirements?

Affordable Care Act Subsidies are also called, “Premium Tax Credits.”

ACA subsidy lowers your premium – the amount you pay each month to your insurance plan.The amount of your ACA Subsidy depends on the estimated household income that you put on your ACA Marketplace application.

In order to qualify for Affordable Care Act Subsidy, your income must be between 100% to 400% of the Federal Poverty Level.

Affordable Care Act - Federal Poverty Level
Federal Poverty Level Insurance Premium After PTC Subsidy
Up to 133% FPL 2% of income
133-150% FPL 3%-4% of income
150-2000% FPL 4%-6.3% of income
200-250% FPL 6.3%-8.05% of income
250-300% FPL 8.05%-9.5% of income
300-400% FPL 9.5 of income
Over 400% FPL No Government Subsidy

Medicaid Expansion under the Affordable Care Act

With the new health care reform, the Federal government offered incentives for states to expand the Medicaid program.  30 states out of the 50 states plus Washington DC expanded Medicaid program while 20 states decided not to expand Medicaid due to expected future cut back funding from the Federal government.

Alaska expanded the Medicaid program under the Affordable Care Act Health Care Reform as of 2015/2016.

State Medicaid Expansion
Alaska Yes

Insurance Companies that offer Affordable Care Act Health Insurance Plans in Alaska:

The following insurance companies are offering Affordable Care Act Plans in the Marketplace.

  • Moda Health (10 plans)
  • Premera Blue Cross Blue Shield of Alaska (18)
  • Multi-State Plan (36)

Frequently Asked Questions (FAQ) on Alaska Affordable Care Act:

  1. Who runs the Alaska Affordable Care Act? Federal
  2. Where can I sign up for Alaska Affordable Care Act? Click here
  3. Do I need to get health insurance or Affordable Care Act? Yes, if not, you have to pay a penalty.
  4. How much is Alaska Affordable Care Act? Click here for the average ACA premium
  5. Did Alaska expand Medicaid under Affordable Care Act? Yes

Click here for more Frequently Asked Questions on Obamacare / Affordable Care Act.

For more Information on Alaska Obamacare / Affordable Care Act:

Federal HealthCare.Gov Marketplace
Toll-Free: 1-800-318-2596
Website: HealthCare.gov

Alaska Division of Insurance
9th Floor, State Office Bldg.
333 Willoughby Avenue
Juneau, AK 99801
(907) 465-2515
(800) INSURAK (1-800-467-8725)

If you have a hard time affording health coverage and you have questions about eligibility or current Medicaid benefits, go to:

Alaska Medicaid Program
State of Alaska Health & Social Services
Eligibility:
Division of Public Assistance
400 Gambell Street
Anchorage, AK 99501
(907) 269-6599

Alaska five largest cities in terms of population: Anchorage, Juneau, Fairbanks, Sitka, and Ketchikan.  You can apply for Affordable Care Act Health Insurance in any city in Alaska.

South Dakota Affordable Care Act

South Dakota Affordable Care Act Comprehensive Guide

In this article, you will learn about the Affordable Care Act health care reform laws in South Dakota.  You will get an understanding of how the health care law impacts you as a citizen of the state.  Learn how to sign-up for Affordable Care Act, learn about the Affordable Care Act penalty and subsidies, and much more.

What is South Dakota Affordable Care Act?

Affordable Care Act, also know as Obama Care, was signed into law in March 2010.  The goal of Affordable Care Act is to provide US citizens with affordable health insurance and to reduce the cost of health care spending for families and in America.

The Key Points of the Affordable Care Act / South Dakota Obamacare:

How to Apply for South Dakota Affordable Care Act?

South Dakota Affordable Care Act marketplace is run by the Federal government.  Click on HealthCare.gov to access South Dakota Affordable Care Act Marketplace.  You can preview the different insurance plans and see participating doctors before selecting the final health insurance plan.

State Federal or State Marketplace  Website Medicaid Expansion?
South Dakota Federal www.HealthCare.gov No

When can I apply for South Dakota Affordable Care Act (South Dakota ACA)?

South Dakota Affordable Care Act’s Open Enrollment 2015-2016 starts on November 1, 2015, and ends on January 31, 2016.  To have health insurance coverage beginning on January 2016, you must apply before December 15, 2015, deadline.

In order to qualify for Tax Credit or Premium Tax Subsidies, you must purchase health insurance from the Affordable Care Act Marketplace during Open Enrollment period.

If you qualify for South Dakota Medicaid health insurance, then you can sign-up Medicaid anytime of the year.

When is the deadline for South Dakota Affordable Care Act (SDACA)?

Important dates for South Dakota Affordable Care Act deadlines:  The absolute last day to purchase health insurance from the Marketplace is January 31, 2016.

  • December 15, 2015: Last day to enroll in or change plans for new coverage to start January 1, 2016
  • January 1, 2016: 2016 coverage starts for those who enroll or change plans by December 15.
  • January 15, 2016: Last day to enroll in or change plans for new coverage to start February 1, 2016
  • January 31, 2016: 2016 Open Enrollment ends. Enrollments or changes between January 16 and January 31 take effect March 1, 2016.

How much is South Dakota Affordable Care Act?

There are four different plans within the South Dakota Affordable Care Act.  The metal plans represent the various levels of coverage you receive and what the plan pays on average.  The plan levels DO NOT represent the quality of the health coverage/doctors you receive.

  • Bronze Plan: The plan pays 60% of the cost, you pay 40% of the cost
  • Silver Plan: The plan pays 70% of the cost, you pay 30% of the cost
  • Gold Plan: The plan pays 80% of the cost, you pay 20% of the cost
  • Platinum Plan: The plan pays 90% of the cost, you pay 10% of the cost

The cost of Affordable Care Act in South Dakota depends on the metal plan you choose and the number of people in the household.   Platinum plans have the highest insurance premiums (monthly cost) and Bronze plans have the lowest insurance premiums.

State Year Avg. Monthly Silver Plan (before Tax Credits) US Average
South Dakota 2015 $257 $268

What are the South Dakota Affordable Care Act Eligibility Requirements?

In order to get South Dakota Affordable Care Act, you must meet the following requirements:

  • Must live in South Dakota
  • Must be a US citizen, national, or lawfully present immigrant
  • Cannot be currently incarcerated (be in jailed)
  • Have a valid Social Security Number
  • and few other requirements

Do I need to get South Dakota Affordable Care Act?

Yes, every individual in South Dakota needs to have health insurance.  The Individual Mandate of Affordable Care Act health care law requires US Citizen to enroll in a health insurance plan or pay a penalty.  If you have Medicaid or company sponsored health insurance, you have met the insurance coverage requirement.

You can choose not to have health insurance, but you have to pay the penalty in addition to the hospitals/doctors medical fee if you do get sick.

How much is Affordable Care Act Penalty in South Dakota?

The penalty (or also called individual shared responsibility payment) is calculated in two ways.

For 2016 year, the ACA penalty is as follows:

  1. By percentage of income (2.5% of household income or maximum of National Average Bronze plan premium)
  2. By number of people in the household ($695 per adult, $347.50 per child or maximum $2085)

You’ll pay whichever penalty is higher. 

How much are South Dakota ACA Subsidies? What are the requirements?

Affordable Care Act Subsidies are also called, “Premium Tax Credits.”

ACA subsidy lowers your premium – the amount you pay each month to your insurance plan.The amount of your ACA Subsidy depends on the estimated household income that you put on your ACA Marketplace application.

In order to qualify for Affordable Care Act Subsidy, your income must be between 100% to 400% of the Federal Poverty Level.

Affordable Care Act - Federal Poverty Level
Federal Poverty Level Insurance Premium After PTC Subsidy
Up to 133% FPL 2% of income
133-150% FPL 3%-4% of income
150-2000% FPL 4%-6.3% of income
200-250% FPL 6.3%-8.05% of income
250-300% FPL 8.05%-9.5% of income
300-400% FPL 9.5 of income
Over 400% FPL No Government Subsidy

Medicaid Expansion under the Affordable Care Act

With the new health care reform, the Federal government offered incentives for states to expand the Medicaid program.  30 states out of the 50 states plus Washington DC expanded Medicaid program while 20 states decided not to expand Medicaid due to expected future cut back funding from the Federal government.

South Dakota did not expand the Medicaid program under the Affordable Care Act Health Care Reform as of 2015/2016.

State Medicaid Expansion
South Dakota No

Insurance Companies that offer Affordable Care Act Health Insurance Plans in South Dakota:

The following insurance companies are offering Affordable Care Act Plans in the Marketplace.

  • Avera Health Plans Inc.
  • Sanford Health Plan
  • South Dakota State Medical Holding Company, Inc. (DAKOTACARE)

Frequently Asked Questions (FAQ) on South Dakota Affordable Care Act:

  1. Who runs the South Dakota Affordable Care Act? Federal
  2. Where can I sign up for South Dakota Affordable Care Act? Click here
  3. Do I need to get health insurance or Affordable Care Act? Yes, if not, you have to pay a penalty.
  4. How much is South Dakota Affordable Care Act? Click here for the average ACA premium
  5. Did South Dakota expand Medicaid under Affordable Care Act? No

Click here for more Frequently Asked Questions on Obamacare / Affordable Care Act.

For more Information on South Dakota Obamacare / Affordable Care Act:

Federal HealthCare.Gov Marketplace
Toll-Free: 1-800-318-2596
Website: HealthCare.gov

South Dakota Division of Insurance
445 East Capitol Avenue
Pierre, SD 57501
(605) 773-3563
http://www.state.sd.us/drr2/reg/insurance
insurance@state.sd.us

If you have a hard time affording health coverage and you have questions about eligibility or current Medicaid benefits, go to:  

South Dakota Medicaid Program
Eligibility Questions:
South Dakota Department of Social Services
Division of Economic Assistance
700 Governors Drive
Pierre, SD 57501
(605) 773-4678
(877) 999-5612
http://dss.sd.gov/medicaleligibility/familieschildren/index.asp
MedElig@state.sd.us

South Dakota five largest cities in terms of population: Sioux Falls, Rapid City, Aberdeen, Brookings, and Watertown.  You can apply for Affordable Care Act Health Insurance in any city in South Dakota.

Delaware Affordable Care Act

Delaware Affordable Care Act Comprehensive Guide

In this article, you will learn about the Affordable Care Act health care reform laws in Delaware.  You will get an understanding of how the health care law impacts you as a citizen of the state.  Learn how to sign-up for Affordable Care Act, learn about the Affordable Care Act penalty and subsidies, and much more.

What is Delaware Affordable Care Act?

Affordable Care Act, also know as Obama Care, was signed into law in March 2010.  The goal of Affordable Care Act is to provide US citizens with affordable health insurance and to reduce the cost of health care spending for families and in America.

The Key Points of the Affordable Care Act / Delaware Obamacare:

How to Apply for Delaware Affordable Care Act?

Delaware Affordable Care Act marketplace is run by the Federal government.  Click on HealthCare.gov to access Delaware Affordable Care Act Marketplace.  You can preview the different insurance plans and see participating doctors before selecting the final health insurance plan.

State Federal or State Marketplace  Website Medicaid Expansion?
Delaware Federal www.HealthCare.gov Yes

When can I apply for Delaware Affordable Care Act (Delaware ACA)?

Delaware Affordable Care Act’s Open Enrollment 2015-2016 starts on November 1, 2015, and ends on January 31, 2016.  To have health insurance coverage beginning on January 2016, you must apply before December 15, 2015, deadline.

In order to qualify for Tax Credit or Premium Tax Subsidies, you must purchase health insurance from the Affordable Care Act Marketplace during Open Enrollment period.

If you qualify for Delaware Medicaid health insurance, then you can sign-up Medicaid anytime of the year.

When is the deadline for Delaware Affordable Care Act (NE ACA)?

Important dates for Delaware Affordable Care Act deadlines:  The absolute last day to purchase health insurance from the Marketplace is January 31, 2016.

  • December 15, 2015: Last day to enroll in or change plans for new coverage to start January 1, 2016
  • January 1, 2016: 2016 coverage starts for those who enroll or change plans by December 15.
  • January 15, 2016: Last day to enroll in or change plans for new coverage to start February 1, 2016
  • January 31, 2016: 2016 Open Enrollment ends. Enrollments or changes between January 16 and January 31 take effect March 1, 2016.

How much is Delaware Affordable Care Act?

There are four different plans within the Delaware Affordable Care Act.  The metal plans represent the various levels of coverage you receive and what the plan pays on average.  The plan levels DO NOT represent the quality of the health coverage/doctors you receive.

  • Bronze Plan: The plan pays 60% of the cost, you pay 40% of the cost
  • Silver Plan: The plan pays 70% of the cost, you pay 30% of the cost
  • Gold Plan: The plan pays 80% of the cost, you pay 20% of the cost
  • Platinum Plan: The plan pays 90% of the cost, you pay 10% of the cost

The cost of Affordable Care Act in Delaware depends on the metal plan you choose and the number of people in the household.   Platinum plans have the highest insurance premiums (monthly cost) and Bronze plans have the lowest insurance premiums.

State Year Avg. Monthly Silver Plan (before Tax Credits) US Average
Delaware 2015 $301 $268

What are the Delaware Affordable Care Act Eligibility Requirements?

In order to get Delaware Affordable Care Act, you must meet the following requirements:

  • Must live in Delaware
  • Must be a US citizen, national, or lawfully present immigrant
  • Cannot be currently incarcerated (be in jailed)
  • Have a valid Social Security Number
  • and few other requirements

Do I need to get Delaware Affordable Care Act?

Yes, every individual in Delaware needs to have health insurance.  The Individual Mandate of Affordable Care Act health care law requires US Citizen to enroll in a health insurance plan or pay a penalty.  If you have Medicaid or company sponsored health insurance, you have met the insurance coverage requirement.

You can choose not to have health insurance, but you have to pay the penalty in addition to the hospitals/doctors medical fee if you do get sick.

How much is Affordable Care Act Penalty in Delaware?

The penalty (or also called individual shared responsibility payment) is calculated in two ways.

For 2016 year, the ACA penalty is as follows:

  1. By percentage of income (2.5% of household income or maximum of National Average Bronze plan premium)
  2. By number of people in the household ($695 per adult, $347.50 per child or maximum $2085)

You’ll pay whichever penalty is higher. 

How much are Delaware ACA Subsidies? What are the requirements?

Affordable Care Act Subsidies are also called, “Premium Tax Credits.”

ACA subsidy lowers your premium – the amount you pay each month to your insurance plan.The amount of your ACA Subsidy depends on the estimated household income that you put on your ACA Marketplace application.

In order to qualify for Affordable Care Act Subsidy, your income must be between 100% to 400% of the Federal Poverty Level.

Affordable Care Act - Federal Poverty Level
Federal Poverty Level Insurance Premium After PTC Subsidy
Up to 133% FPL 2% of income
133-150% FPL 3%-4% of income
150-2000% FPL 4%-6.3% of income
200-250% FPL 6.3%-8.05% of income
250-300% FPL 8.05%-9.5% of income
300-400% FPL 9.5 of income
Over 400% FPL No Government Subsidy

Medicaid Expansion under the Affordable Care Act

With the new health care reform, the Federal government offered incentives for states to expand the Medicaid program.  30 states out of the 50 states plus Washington DC expanded Medicaid program while 20 states decided not to expand Medicaid due to expected future cut back funding from the Federal government.

Delaware expanded the Medicaid program under the Affordable Care Act Health Care Reform.

State Medicaid Expansion
Delaware Yes

Insurance Companies that offer Affordable Care Act Health Insurance Plans in Delaware:

The following insurance companies are offering Affordable Care Act Plans in the Marketplace.

  • Aetna (acquired Coventry Health Care)
  • Highmark Blue Cross Blue Shield of Delaware

Frequently Asked Questions (FAQ) on Delaware Affordable Care Act:

  1. Who runs the Delaware Affordable Care Act? Federal
  2. Where can I sign up for Delaware Affordable Care Act? Click here
  3. Do I need to get health insurance or Affordable Care Act? Yes, if not, you have to pay a penalty.
  4. How much is Delaware Affordable Care Act? Click here for the average ACA premium
  5. Did Delaware expand Medicaid under Affordable Care Act? Yes

Click here for more Frequently Asked Questions on Obamacare / Affordable Care Act.

For more Information on Delaware Obamacare / Affordable Care Act:

Federal HealthCare.Gov Marketplace
Toll-Free: 1-800-318-2596
Website: HealthCare.gov

Delaware Insurance Commissioner and Department of Insurance
Main Office
841 Silver Lake Blvd.
Dover, DE 19904
(302) 674-7300
consumer@state.de.us
http://www.delawareinsurance.gov/

If you have a hard time affording health coverage and you have questions about eligibility or current Medicaid benefits, go to:  

Delaware Medicaid Customer Relations
(800) 373-2022
(302) 255-9500
http://www.dhss.delaware.gov/dhss/dmma/medicaid.html

Delaware five largest cities in terms of population: Wilmington, Dover, Newark, Middletown, and Smyrna.  You can apply for Affordable Care Act Health Insurance in any city in Delaware.

West Virginia Affordable Care Act

West Virginia Affordable Care Act Comprehensive Guide

In this article, you will learn about the Affordable Care Act health care reform laws in West Virginia.  You will get an understanding of how the health care law impacts you as a citizen of the state.  Learn how to sign-up for Affordable Care Act, learn about the Affordable Care Act penalty and subsidies, and much more.

What is West Virginia Affordable Care Act?

Affordable Care Act, also know as Obama Care, was signed into law in March 2010.  The goal of Affordable Care Act is to provide US citizens with affordable health insurance and to reduce the cost of health care spending for families and in America.

The Key Points of the Affordable Care Act / West Virginia Obamacare:

How to Apply for West Virginia Affordable Care Act?

West Virginia Affordable Care Act marketplace is run by the Federal government.  Click on HealthCare.gov to access West Virginia Affordable Care Act Marketplace.  You can preview the different insurance plans and see participating doctors before selecting the final health insurance plan.

State Federal or State Marketplace  Website Medicaid Expansion?
West Virginia Federal www.HealthCare.gov Yes

When can I apply for West Virginia Affordable Care Act (West Virginia ACA)?

West Virginia Affordable Care Act’s Open Enrollment 2015-2016 starts on November 1, 2015, and ends on January 31, 2016.  To have health insurance coverage beginning on January 2016, you must apply before December 15, 2015, deadline.

In order to qualify for Tax Credit or Premium Tax Subsidies, you must purchase health insurance from the Affordable Care Act Marketplace during Open Enrollment period.

If you qualify for West Virginia Medicaid health insurance, then you can sign-up Medicaid anytime of the year.

When is the deadline for West Virginia Affordable Care Act (WV ACA)?

Important dates for West Virginia Affordable Care Act deadlines:  The absolute last day to purchase health insurance from the Marketplace is January 31, 2016.

  • December 15, 2015: Last day to enroll in or change plans for new coverage to start January 1, 2016
  • January 1, 2016: 2016 coverage starts for those who enroll or change plans by December 15.
  • January 15, 2016: Last day to enroll in or change plans for new coverage to start February 1, 2016
  • January 31, 2016: 2016 Open Enrollment ends. Enrollments or changes between January 16 and January 31 take effect March 1, 2016.

How much is West Virginia Affordable Care Act?

There are four different plans within the West Virginia Affordable Care Act.  The metal plans represent the various levels of coverage you receive and what the plan pays on average.  The plan levels DO NOT represent the quality of the health coverage/doctors you receive.

  • Bronze Plan: The plan pays 60% of the cost, you pay 40% of the cost
  • Silver Plan: The plan pays 70% of the cost, you pay 30% of the cost
  • Gold Plan: The plan pays 80% of the cost, you pay 20% of the cost
  • Platinum Plan: The plan pays 90% of the cost, you pay 10% of the cost

The cost of Affordable Care Act in West Virginia depends on the metal plan you choose and the number of people in the household.   Platinum plans have the highest insurance premiums (monthly cost) and Bronze plans have the lowest insurance premiums.

State Year Avg. Monthly Silver Plan (before Tax Credits) US Average
West Virginia 2015 $289 $268

What are the West Virginia Affordable Care Act Eligibility Requirements?

In order to get West Virginia Affordable Care Act, you must meet the following requirements:

  • Must live in West Virginia
  • Must be a US citizen, national, or lawfully present immigrant
  • Cannot be currently incarcerated (be in jailed)
  • Have a valid Social Security Number
  • and few other requirements

Do I need to get West Virginia Affordable Care Act?

Yes, every individual in West Virginia needs to have health insurance.  The Individual Mandate of Affordable Care Act health care law requires US Citizen to enroll in a health insurance plan or pay a penalty.  If you have Medicaid or company sponsored health insurance, you have met the insurance coverage requirement.

You can choose not to have health insurance, but you have to pay the penalty in addition to the hospitals/doctors medical fee if you do get sick.

How much is Affordable Care Act Penalty in West Virginia?

The penalty (or also called individual shared responsibility payment) is calculated in two ways.

For 2016 year, the ACA penalty is as follows:

  1. By percentage of income (2.5% of household income or maximum of National Average Bronze plan premium)
  2. By number of people in the household ($695 per adult, $347.50 per child or maximum $2085)

You’ll pay whichever penalty is higher. 

How much are West Virginia ACA Subsidies? What are the requirements?

Affordable Care Act Subsidies are also called, “Premium Tax Credits.”

ACA subsidy lowers your premium – the amount you pay each month to your insurance plan.The amount of your ACA Subsidy depends on the estimated household income that you put on your ACA Marketplace application.

In order to qualify for Affordable Care Act Subsidy, your income must be between 100% to 400% of the Federal Poverty Level.

Affordable Care Act - Federal Poverty Level
Federal Poverty Level Insurance Premium After PTC Subsidy
Up to 133% FPL 2% of income
133-150% FPL 3%-4% of income
150-2000% FPL 4%-6.3% of income
200-250% FPL 6.3%-8.05% of income
250-300% FPL 8.05%-9.5% of income
300-400% FPL 9.5 of income
Over 400% FPL No Government Subsidy

Medicaid Expansion under the Affordable Care Act

With the new health care reform, the Federal government offered incentives for states to expand the Medicaid program.  30 states out of the 50 states plus Washington DC expanded Medicaid program while 20 states decided not to expand Medicaid due to expected future cut back funding from the Federal government.

West Virginia expanded the Medicaid program under the Affordable Care Act Health Care Reform.

State Medicaid Expansion
West Virginia Yes

Insurance Companies that offer Affordable Care Act Health Insurance Plans in West Virginia:

The following insurance companies are offering Affordable Care Act Plans in the Marketplace.

  • Highmark Blue Cross Blue Shield West Virginia (14 plans)

Frequently Asked Questions (FAQ) on West Virginia Affordable Care Act:

  1. Who runs the West Virginia Affordable Care Act? Federal
  2. Where can I sign up for West Virginia Affordable Care Act? Click here
  3. Do I need to get health insurance or Affordable Care Act? Yes, if not, you have to pay a penalty.
  4. How much is West Virginia Affordable Care Act? Click here for the average ACA premium
  5. Did West Virginia expand Medicaid under Affordable Care Act? Yes

Click here for more Frequently Asked Questions on Obamacare / Affordable Care Act.

For more Information on West Virginia Obamacare / Affordable Care Act:

Federal HealthCare.Gov Marketplace
Toll-Free: 1-800-318-2596
Website: HealthCare.gov

West Virginia Department of Insurance

Physical Address:

1124 Smith St.
Charleston, WV 25301
(304) 558-3386
1-888-TRY-WVIC (1-888-879-9842)
(TDD) (304) 558-1296
(TDD) 1-800-435-7381

If you have a hard time affording health coverage and you have questions about eligibility or current Medicaid benefits, go to:  

Client Services toll free at 1-800-642-8589 or in Charleston at (304) 558-2400.
https://www.wvinroads.org

West Virginia five largest cities in terms of population: Charleston, Huntington, Parkersburg, Morgantown, and Wheeling.   You can apply for Affordable Care Act Health Insurance in any city in West Virginia.

New Mexico Affordable Care Act

New Mexico Affordable Care Act Comprehensive Guide

In this article, you will learn about the Affordable Care Act health care reform laws in New Mexico.  You will get an understanding of how the health care law impacts you as a citizen of the state.  Learn how to sign-up for Affordable Care Act, learn about the Affordable Care Act penalty and subsidies, and much more.

What is New Mexico Affordable Care Act?

Affordable Care Act, also know as Obama Care, was signed into law in March 2010.  The goal of Affordable Care Act is to provide US citizens with affordable health insurance and to reduce the cost of health care spending for families and in America.

The Key Points of the Affordable Care Act / New Mexico Obamacare:

How to Apply for New Mexico Affordable Care Act?

New Mexico Affordable Care Act marketplace is run by the Federal government.  Click on HealthCare.gov to access New Mexico Affordable Care Act Marketplace.  You can preview the different insurance plans and see participating doctors before selecting the final health insurance plan.

State Federal or State Marketplace  Website Medicaid Expansion?
New Mexico Federal www.HealthCare.gov Yes

When can I apply for New Mexico Affordable Care Act (New Mexico ACA)?

New Mexico Affordable Care Act’s Open Enrollment 2015-2016 starts on November 1, 2015, and ends on January 31, 2016.  To have health insurance coverage beginning on January 2016, you must apply before December 15, 2015, deadline.

In order to qualify for Tax Credit or Premium Tax Subsidies, you must purchase health insurance from the Affordable Care Act Marketplace during Open Enrollment period.

If you qualify for New Mexico Medicaid health insurance, then you can sign-up Medicaid anytime of the year.

When is the deadline for New Mexico Affordable Care Act (NM ACA)?

Important dates for New Mexico Affordable Care Act deadlines:  The absolute last day to purchase health insurance from the Marketplace is January 31, 2016.

  • December 15, 2015: Last day to enroll in or change plans for new coverage to start January 1, 2016
  • January 1, 2016: 2016 coverage starts for those who enroll or change plans by December 15.
  • January 15, 2016: Last day to enroll in or change plans for new coverage to start February 1, 2016
  • January 31, 2016: 2016 Open Enrollment ends. Enrollments or changes between January 16 and January 31 take effect March 1, 2016.

How much is New Mexico Affordable Care Act?

There are four different plans within the New Mexico Affordable Care Act.  The metal plans represent the various levels of coverage you receive and what the plan pays on average.  The plan levels DO NOT represent the quality of the health coverage/doctors you receive.

  • Bronze Plan: The plan pays 60% of the cost, you pay 40% of the cost
  • Silver Plan: The plan pays 70% of the cost, you pay 30% of the cost
  • Gold Plan: The plan pays 80% of the cost, you pay 20% of the cost
  • Platinum Plan: The plan pays 90% of the cost, you pay 10% of the cost

The cost of Affordable Care Act in New Mexico depends on the metal plan you choose and the number of people in the household.   Platinum plans have the highest insurance premiums (monthly cost) and Bronze plans have the lowest insurance premiums.

State Year Avg. Monthly Silver Plan (before Tax Credits) US Average
New Mexico 2015 $171 $268

What are the New Mexico Affordable Care Act Eligibility Requirements?

In order to get New Mexico Affordable Care Act, you must meet the following requirements:

  • Must live in New Mexico
  • Must be a US citizen, national, or lawfully present immigrant
  • Cannot be currently incarcerated (be in jailed)
  • Have a valid Social Security Number
  • and few other requirements

Do I need to get New Mexico Affordable Care Act?

Yes, every individual in New Mexico needs to have health insurance.  The Individual Mandate of Affordable Care Act health care law requires US Citizen to enroll in a health insurance plan or pay a penalty.  If you have Medicaid or company sponsored health insurance, you have met the insurance coverage requirement.

You can choose not to have health insurance, but you have to pay the penalty in addition to the hospitals/doctors medical fee if you do get sick.

How much is Affordable Care Act Penalty in New Mexico?

The penalty (or also called individual shared responsibility payment) is calculated in two ways.

For 2016 year, the ACA penalty is as follows:

  1. By percentage of income (2.5% of household income or maximum of National Average Bronze plan premium)
  2. By number of people in the household ($695 per adult, $347.50 per child or maximum $2085)

You’ll pay whichever penalty is higher. 

How much are New Mexico ACA Subsidies? What are the requirements?

Affordable Care Act Subsidies are also called, “Premium Tax Credits.”

ACA subsidy lowers your premium – the amount you pay each month to your insurance plan.The amount of your ACA Subsidy depends on the estimated household income that you put on your ACA Marketplace application.

In order to qualify for Affordable Care Act Subsidy, your income must be between 100% to 400% of the Federal Poverty Level.

Affordable Care Act - Federal Poverty Level
Federal Poverty Level Insurance Premium After PTC Subsidy
Up to 133% FPL 2% of income
133-150% FPL 3%-4% of income
150-2000% FPL 4%-6.3% of income
200-250% FPL 6.3%-8.05% of income
250-300% FPL 8.05%-9.5% of income
300-400% FPL 9.5 of income
Over 400% FPL No Government Subsidy

Medicaid Expansion under the Affordable Care Act

With the new health care reform, the Federal government offered incentives for states to expand the Medicaid program.  30 states out of the 50 states plus Washington DC expanded Medicaid program while 20 states decided not to expand Medicaid due to expected future cut back funding from the Federal government.

New Mexico expanded the Medicaid program under the Affordable Care Act Health Care Reform.

State Medicaid Expansion
New Mexico Yes

Insurance Companies that offer Affordable Care Act Health Insurance Plans in New Mexico:

The following insurance companies are offering Affordable Care Act Plans in the Marketplace.

  • CHRISTUS Health Plan
  • Health Care Service Corporation (BCBS-NM)
  • Molina Health of NM
  • New Mexico Health Connections (CO-OP)
  • Presbyterian Health Plan

Frequently Asked Questions (FAQ) on New Mexico Affordable Care Act:

  1. Who runs the New Mexico Affordable Care Act? Federal
  2. Where can I sign up for New Mexico Affordable Care Act? Click here
  3. Do I need to get health insurance or Affordable Care Act? Yes, if not, you have to pay a penalty.
  4. How much is New Mexico Affordable Care Act? Click here for the average ACA premium
  5. Did New Mexico expand Medicaid under Affordable Care Act? Yes

Click here for more Frequently Asked Questions on Obamacare / Affordable Care Act.

For more Information on New Mexico Obamacare / Affordable Care Act:

Federal HealthCare.Gov Marketplace
Toll-Free: 1-800-318-2596
Website: HealthCare.gov

New Mexico Consumer Assistance Program

Mailing address:
PO Box 1689
Santa Fe, NM  87504-1689

Physical Address
1120 Paseo De Peralta, Room 428
Santa Fe, NM 87504

1-855-427-5674 (1-855-4 ASK OSI) | BeWellNM

http://www.OSI.state.nm.us
mchb.grievance@state.nm.us

New Mexico five largest cities in terms of population: Albuquerque, Las Cruces, Rio Rancho, Santa Fe and Roswell.  You can apply for Affordable Care Act Health Insurance in any city in New Mexico.

Nevada Affordable Care Act

Nevada Affordable Care Act Comprehensive Guide

In this article, you will learn about the Affordable Care Act health care reform laws in Nevada.  You will get an understanding of how the health care law impacts you as a citizen of the state.  Learn how to sign-up for Affordable Care Act, learn about the Affordable Care Act penalty and subsidies, and much more.

What is Nevada Affordable Care Act?

Affordable Care Act, also know as Obama Care, was signed into law in March 2010.  The goal of Affordable Care Act is to provide US citizens with affordable health insurance and to reduce the cost of health care spending for families and in America.

The Key Points of the Affordable Care Act / Nevada Obamacare:

How to Apply for Nevada Affordable Care Act?

Nevada Affordable Care Act marketplace is run by the Federal government.  Click on HealthCare.gov to access Nevada Affordable Care Act Marketplace.  You can preview the different insurance plans and see participating doctors before selecting the final health insurance plan.

State Federal or State Marketplace  Website Medicaid Expansion?
Nevada Federal www.HealthCare.gov Yes

When can I apply for Nevada Affordable Care Act (Nevada ACA)?

Nevada Affordable Care Act’s Open Enrollment 2015-2016 starts on November 1, 2015, and ends on January 31, 2016.  To have health insurance coverage beginning on January 2016, you must apply before December 15, 2015, deadline.

In order to qualify for Tax Credit or Premium Tax Subsidies, you must purchase health insurance from the Affordable Care Act Marketplace during Open Enrollment period.

If you qualify for Nevada Medicaid health insurance, then you can sign-up Medicaid anytime of the year.

When is the deadline for Nevada Affordable Care Act (NV ACA)?

Important dates for Nevada Affordable Care Act deadlines:  The absolute last day to purchase health insurance from the Marketplace is January 31, 2016.

  • December 15, 2015: Last day to enroll in or change plans for new coverage to start January 1, 2016
  • January 1, 2016: 2016 coverage starts for those who enroll or change plans by December 15.
  • January 15, 2016: Last day to enroll in or change plans for new coverage to start February 1, 2016
  • January 31, 2016: 2016 Open Enrollment ends. Enrollments or changes between January 16 and January 31 take effect March 1, 2016.

How much is Nevada Affordable Care Act?

There are four different plans within the Nevada Affordable Care Act.  The metal plans represent the various levels of coverage you receive and what the plan pays on average.  The plan levels DO NOT represent the quality of the health coverage/doctors you receive.

  • Bronze Plan: The plan pays 60% of the cost, you pay 40% of the cost
  • Silver Plan: The plan pays 70% of the cost, you pay 30% of the cost
  • Gold Plan: The plan pays 80% of the cost, you pay 20% of the cost
  • Platinum Plan: The plan pays 90% of the cost, you pay 10% of the cost

The cost of Affordable Care Act in Nevada depends on the metal plan you choose and the number of people in the household.   Platinum plans have the highest insurance premiums (monthly cost) and Bronze plans have the lowest insurance premiums.

State Year Avg. Monthly Silver Plan (before Tax Credits) US Average
Nevada 2015 $237 $268

What are the Nevada Affordable Care Act Eligibility Requirements?

In order to get Nevada Affordable Care Act, you must meet the following requirements:

  • Must live in Nevada
  • Must be a US citizen, national, or lawfully present immigrant
  • Cannot be currently incarcerated (be in jailed)
  • Have a valid Social Security Number
  • and few other requirements

Do I need to get Nevada Affordable Care Act?

Yes, every individual in Nevada needs to have health insurance.  The Individual Mandate of Affordable Care Act health care law requires US Citizen to enroll in a health insurance plan or pay a penalty.  If you have Medicaid or company sponsored health insurance, you have met the insurance coverage requirement.

You can choose not to have health insurance, but you have to pay the penalty in addition to the hospitals/doctors medical fee if you do get sick.

How much is Affordable Care Act Penalty in Nevada?

The penalty (or also called individual shared responsibility payment) is calculated in two ways.

For 2016 year, the ACA penalty is as follows:

  1. By percentage of income (2.5% of household income or maximum of National Average Bronze plan premium)
  2. By number of people in the household ($695 per adult, $347.50 per child or maximum $2085)

You’ll pay whichever penalty is higher. 

How much are Nevada ACA Subsidies? What are the requirements?

Affordable Care Act Subsidies are also called, “Premium Tax Credits.”

ACA subsidy lowers your premium – the amount you pay each month to your insurance plan.The amount of your ACA Subsidy depends on the estimated household income that you put on your ACA Marketplace application.

In order to qualify for Affordable Care Act Subsidy, your income must be between 100% to 400% of the Federal Poverty Level.

Affordable Care Act - Federal Poverty Level
Federal Poverty Level Insurance Premium After PTC Subsidy
Up to 133% FPL 2% of income
133-150% FPL 3%-4% of income
150-2000% FPL 4%-6.3% of income
200-250% FPL 6.3%-8.05% of income
250-300% FPL 8.05%-9.5% of income
300-400% FPL 9.5 of income
Over 400% FPL No Government Subsidy

Medicaid Expansion under the Affordable Care Act

With the new health care reform, the Federal government offered incentives for states to expand the Medicaid program.  30 states out of the 50 states plus Washington DC expanded Medicaid program while 20 states decided not to expand Medicaid due to expected future cut back funding from the Federal government.

Nevada did not expand the Medicaid program under the Affordable Care Act Health Care Reform as of 2015/2016.

State Medicaid Expansion
Nevada Yes

Insurance Companies that offer Affordable Care Act Health Insurance Plans in Nevada:

The following insurance companies are offering Affordable Care Act Plans in the Marketplace.

  • Anthem HMO Nevada
  • St. Mary’s Healthfirst
  • Nevada Health CO-OP
  • Health Plan of Nevada
  • Time/Assurant

Frequently Asked Questions (FAQ) on Nevada Affordable Care Act:

  1. Who runs the Nevada Affordable Care Act? Federal
  2. Where can I sign up for Nevada Affordable Care Act? Click here
  3. Do I need to get health insurance or Affordable Care Act? Yes, if not, you have to pay a penalty.
  4. How much is Nevada Affordable Care Act? Click here for the average ACA premium
  5. Did Nevada expand Medicaid under Affordable Care Act? Yes

Click here for more Frequently Asked Questions on Obamacare / Affordable Care Act.

For more Information on Nevada Obamacare / Affordable Care Act:

Federal HealthCare.Gov Marketplace
Toll-Free: 1-800-318-2596
Website: HealthCare.gov

Nevada Division of Insurance
2501 East Sahara Ave., Suite 302
Las Vegas, Nevada 89104
(702) 486-4009
http://doi.nv.gov/Consumers/ | Nevada Health Link
If you have a hard time affording health coverage and you have questions about eligibility for Medicaid or about current Medicaid benefits, go to:
Nevada Department of Health and Human Services
1210 S.Valley View, Suite 104
Las Vegas, NV 89102
https://dwss.nv.gov/

Nevada five largest cities in terms of population: Las Vegas, Henderson, North Las Vegas, Reno, and Sparks.   You can apply for Affordable Care Act Health Insurance in any city in Nevada.