Category Archives: State Affordable Care Act

Montana Affordable Care Act

Montana Affordable Care Act Comprehensive Guide

In this article, you will learn about the Affordable Care Act health care reform laws in Montana.  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 Montana 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 / Montana Obamacare:

How to Apply for Montana Affordable Care Act?

Montana Affordable Care Act marketplace is run by the Federal government.  Click on HealthCare.gov to access Montana 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?
Montana Federal www.HealthCare.gov Yes

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

Montana 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 Montana Medicaid health insurance, then you can sign-up Medicaid anytime of the year.

When is the deadline for Montana Affordable Care Act (MT ACA)?

Important dates for Montana 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 Montana Affordable Care Act?

There are four different plans within the Montana 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 Montana 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
Montana 2015 $241 $268

What are the Montana Affordable Care Act Eligibility Requirements?

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

  • Must live in Montana
  • 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 Montana Affordable Care Act?

Yes, every individual in Montana 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 Montana?

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 Montana 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.

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

State Medicaid Expansion
Montana Yes

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

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

  • BlueCross BlueShield of Montana
  • Montana Health CO-OP
  • PacificSource Time/Assurant

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

  1. Who runs the Montana Affordable Care Act? Federal
  2. Where can I sign up for Montana 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 Montana Affordable Care Act? Click here for the average ACA premium
  5. Did Montana expand Medicaid under Affordable Care Act? Yes

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

For more Information on Montana Obamacare / Affordable Care Act:

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

Montana Commissioner of Securities and Insurance
840 Helena Avenue
Helena, MT 59601
In-state only: (800) 332-6148
(406) 444-2040
TDD: (406) 444-3246
http://www.csi.mt.gov/consumers/consumers.asp

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

Montana Medicaid
Department of Public Health and Human Services
1400 Broadway Street
Helena, MT 59601
(406) 444-4540 ext. 2
(800) 362 8312
HHSMedicaidContact@mt.gov
http://www.dphhs.mt.gov/programsservices/medicaid.shtml

Montana five largest cities in terms of population: Billings, Missoula, Great Falls, Bozeman, and Butte.  You can apply for Affordable Care Act Health Insurance in any city in Montana.

Rhode Island Affordable Care Act

Rhode Island Affordable Care Act Comprehensive Guide

In this article, you will learn about the Affordable Care Act health care reform laws in Rhode Island.  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 Rhode Island 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 / Rhode Island Obamacare:

How to Apply for Rhode Island Affordable Care Act?

Rhode Island Affordable Care Act marketplace is run by the state of Rhode Island.  Click on Health Source RI to access Rhode Island 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?
Rhode Island State healthsourceri.com Yes

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

Rhode Island 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 Rhode Island Medicaid health insurance, then you can sign-up Medicaid anytime of the year.

When is the deadline for Rhode Island Affordable Care Act (RI ACA)?

Important dates for Rhode Island 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 Rhode Island Affordable Care Act?

There are four different plans within the Rhode Island 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 Rhode Island 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
Rhode Island 2015 $260 $268

What are the Rhode Island Affordable Care Act Eligibility Requirements?

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

  • Must live in Rhode Island
  • 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 Rhode Island Affordable Care Act?

Yes, every individual in Rhode Island 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 Rhode Island?

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 Rhode Island 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.

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

State Medicaid Expansion
Rhode Island Yes

Insurance Companies that offer Affordable Care Act Health Insurance Plans in Rhode Island:

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

  • Blue Cross Blue Shield of RI
  • Neighborhood Health Plan of RI
  • United Healthcare

Frequently Asked Questions (FAQ) on Rhode Island Affordable Care Act:

  1. Who runs the Rhode Island Affordable Care Act? State
  2. Where can I sign up for Rhode Island 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 Rhode Island Affordable Care Act? Click here for the average ACA premium
  5. Did Rhode Island expand Medicaid under Affordable Care Act? Yes

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

For more Information on Rhode Island Obamacare / Affordable Care Act:

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

Office of the Health Insurance Commissioner
1511 Pontiac Ave, Building #69 first floor
Cranston, RI 02920
(410) 462-9517
http://www.ohic.ri.gov/ | Health Source RI

Rhode Island 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:
Massachusetts Department of Human Services
57 Howard Avenue
Cranston, RI 02920
http://www.eohhs.ri.gov/Consumer/ConsumerInformation/Healthcare/FamilieswithChildren.aspx

Rhode Island five largest cities in terms of population: Providence, Warwick, Cranston, Pawtucket, and East Providence.  You can apply for Affordable Care Act Health Insurance in any city in Rhode Island.

New Hampshire Affordable Care Act

New Hampshire Affordable Care Act Comprehensive Guide

In this article, you will learn about the Affordable Care Act health care reform laws in New Hampshire.  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 Hampshire 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 Hampshire Obamacare:

How to Apply for New Hampshire Affordable Care Act?

New Hampshire Affordable Care Act marketplace is run by the Federal government.  Click on HealthCare.gov to access New Hampshire 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 Hampshire Federal www.HealthCare.gov Yes

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

New Hampshire 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 Hampshire Medicaid health insurance, then you can sign-up Medicaid anytime of the year.

When is the deadline for New Hampshire Affordable Care Act (NH ACA)?

Important dates for New Hampshire 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 Hampshire Affordable Care Act?

There are four different plans within the New Hampshire 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 Hampshire 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 Hampshire 2015 $247 $268

What are the New Hampshire Affordable Care Act Eligibility Requirements?

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

  • Must live in New Hampshire
  • 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 Hampshire Affordable Care Act?

Yes, every individual in New Hampshire 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 Hampshire?

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

State Medicaid Expansion
New Hampshire Yes

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

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

  • Anthem Blue Cross/Blue Shield of New Hampshire
    Assurant Health
    Harvard Pilgrim Health Care of New England
    Maine Community Health Options CO-OP
    Minuteman Health (CO-OP)

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

  1. Who runs the New Hampshire Affordable Care Act? Federal
  2. Where can I sign up for New Hampshire 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 Hampshire Affordable Care Act? Click here for the average ACA premium
  5. Did New Hampshire expand Medicaid under Affordable Care Act? Yes

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

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

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

New Hampshire State Insurance Department
21 South Fruit Street, Suite 14
Concord, NH 03301
1-800-852-3416
http://www.nh.gov/insurance/
consumerservices@ins.nh.gov

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

New Hampshire Medicaid Program
Office of Medicaid Business & Policy
NH Department of Health and Human Services
129 Pleasant Street
Concord, NH 03301
1-800-852-3345 ext. 4344
http://www.dhhs.nh.gov/dfa/medical/index.htm

New Hampshire five largest cities in terms of population: Manchester, Nashua, Concord, Derry, and Rochester.  You can apply for Affordable Care Act Health Insurance in any city in New Hampshire.

Maine Affordable Care Act

Maine Affordable Care Act Comprehensive Guide

In this article, you will learn about the Affordable Care Act health care reform laws in Maine.  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 Maine 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 / Maine Obamacare:

How to Apply for Maine Affordable Care Act?

Maine Affordable Care Act marketplace is run by the Federal government.  Click on HealthCare.gov to access Maine 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?
Maine Federal www.HealthCare.gov No

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

Maine 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 Maine Medicaid health insurance, then you can sign-up Medicaid anytime of the year.

When is the deadline for Maine Affordable Care Act (ME ACA)?

Important dates for Maine 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 Maine Affordable Care Act?

There are four different plans within the Maine 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 Maine 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
Maine 2015 $282 $268

What are the Maine Affordable Care Act Eligibility Requirements?

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

  • Must live in Maine
  • 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 Maine Affordable Care Act?

Yes, every individual in Maine 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 Maine?

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 Maine 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.

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

State Medicaid Expansion
Maine No

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

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

  • Anthem Blue Cross and Blue Shield (12 plans)
  • Harvard Pilgrim (4)
  • Maine Community Health Options (9)

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

  1. Who runs the Maine Affordable Care Act? Federal
  2. Where can I sign up for Maine 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 Maine Affordable Care Act? Click here for the average ACA premium
  5. Did Maine expand Medicaid under Affordable Care Act? No

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

For more Information on Maine Obamacare / Affordable Care Act:

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

Maine Health Insurance Consumer Assistance Program (MHICAP)
12 Church Street.
Augusta, ME 04338
(800) 965-7476

www.mainecahc.org

Maine five largest cities in terms of population: Portland, Lewiston, Bangor, South Portland, and Auburn.  You can apply for Affordable Care Act Health Insurance in any city in Maine.

Hawaii Affordable Care Act

Hawaii Affordable Care Act Comprehensive Guide

In this article, you will learn about the Affordable Care Act health care reform laws in Hawaii.  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 Hawaii 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 / Hawaii Obamacare:

How to Apply for Hawaii Affordable Care Act?

Hawaii Affordable Care Act marketplace is run by the Federal government.  Click on HealthCare.gov to access Hawaii 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?
Hawaii Federal www.HealthCare.gov Yes

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

Hawaii 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 Hawaii Medicaid health insurance, then you can sign-up Medicaid anytime of the year.

When is the deadline for Hawaii Affordable Care Act (HI ACA)?

Important dates for Hawaii 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 Hawaii Affordable Care Act?

There are four different plans within the Hawaii 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 Hawaii 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
Hawaii 2015 $200 $268

What are the Hawaii Affordable Care Act Eligibility Requirements?

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

  • Must live in Hawaii
  • 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 Hawaii Affordable Care Act?

Yes, every individual in Hawaii 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 Hawaii?

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 Hawaii 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.

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

State Medicaid Expansion
Hawaii Yes

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

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

  • Hawaii Medical Service Association
  • Kaiser Permanente Small Group/SHOP
  • Kaiser Permanente

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

  1. Who runs the Hawaii Affordable Care Act? Federal
  2. Where can I sign up for Hawaii 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 Hawaii Affordable Care Act? Click here for the average ACA premium
  5. Did Hawaii expand Medicaid under Affordable Care Act? Yes

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

For more Information on Hawaii Obamacare / Affordable Care Act:

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

Hawaii Department of Commerce and Consumer Affairs
Hawaii Insurance Division
PO Box 3614
Honolulu, HI 96811
(808) 586-2790
(808) 586-2799
http://hawaii.gov/dcca/ins | Hawaii Health Connector

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

MedQUEST (Hawaii Medicaid Program and Children’s Health Insurance Program)
Department of Human Services
Med-QUEST Division
1390 Miller Street, Room 209
Honolulu, HI 96813
(808-524-3370)
dhs@dhs.hawaii.gov
http://www.med-quest.us/

Hawaii five largest cities in terms of population: Honolulu, Hilo, Kailua, Kapolei, and Kaneohe.  You can apply for Affordable Care Act Health Insurance in any city in Hawaii.

Idaho Affordable Care Act

Idaho Affordable Care Act Comprehensive Guide

In this article, you will learn about the Affordable Care Act health care reform laws in Idaho.  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 Idaho 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 / Idaho Obamacare:

How to Apply for Idaho Affordable Care Act?

Idaho Affordable Care Act marketplace is run by the state of Idaho.  Click on Your Health Idaho to access Idaho 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?
Idaho Federal www.HealthCare.gov No

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

Idaho 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 Idaho Medicaid health insurance, then you can sign-up Medicaid anytime of the year.

When is the deadline for Idaho Affordable Care Act (ID ACA)?

Important dates for Idaho 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 Idaho Affordable Care Act?

There are four different plans within the Idaho 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 Idaho 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
Idaho 2015 $210 $268

What are the Idaho Affordable Care Act Eligibility Requirements?

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

  • Must live in Idaho
  • 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 Idaho Affordable Care Act?

Yes, every individual in Idaho 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 Idaho?

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 Idaho 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.

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

State Medicaid Expansion
Idaho No

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

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

  • Blue Cross of Idaho
  • BridgeSpan Health Company
  • Mountain Health CO-OP
  • PacificSource Health

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

  1. Who runs the Idaho Affordable Care Act? Idaho
  2. Where can I sign up for Idaho 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 Idaho Affordable Care Act? Click here for the average ACA premium
  5. Did Idaho expand Medicaid under Affordable Care Act? No

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

For more Information on Idaho Obamacare / Affordable Care Act:

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

Idaho Department of Insurance
P.O. Box 83720
Boise, ID 83720-0043
(800) 721-3272
(208) 334-4250
http://www.doi.idaho.gov

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

Idaho Medicaid Program
Health Coverage for Idaho Families
Idaho Department of Health and Welfare
PO Box 83720
Boise, ID 83720-0036
(208) 334-5747
http://www.healthandwelfare.idaho.gov
DPHInquiries@dhw.idaho.gov

Idaho five largest cities in terms of population: Boise, Nampa, Meridian, Idaho Falls, and Pocatello.   You can apply for Affordable Care Act Health Insurance in any city in Idaho.

Utah Affordable Care Act

Utah Affordable Care Act Comprehensive Guide

In this article, you will learn about the Affordable Care Act health care reform laws in Utah.  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 Utah 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 / Utah Obamacare:

How to Apply for Utah Affordable Care Act?

Utah Affordable Care Act marketplace is run by the Federal government.  Click on HealthCare.gov to access Utah 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?
Utah Federal www.HealthCare.gov Yes

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

Utah 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 Utah Medicaid health insurance, then you can sign-up Medicaid anytime of the year.

When is the deadline for Utah Affordable Care Act (UT ACA)?

Important dates for Utah 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 Utah Affordable Care Act?

There are four different plans within the Utah 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 Utah 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
Utah 2015 $215 $268

What are the Utah Affordable Care Act Eligibility Requirements?

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

  • Must live in Utah
  • 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 Utah Affordable Care Act?

Yes, every individual in Utah 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 Utah?

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 Utah 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.

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

State Medicaid Expansion
Utah Yes

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

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

  • Altius Health
  • Arches Mutual Health Insurance
  • BridgeSpan Health
  • Humana Medical Plan of Utah
  • Molina Healthcare of Utah, Inc.

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

  1. Who runs the Utah Affordable Care Act? Federal
  2. Where can I sign up for Utah 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 Utah Affordable Care Act? Click here for the average ACA premium
  5. Did Utah expand Medicaid under Affordable Care Act? Yes

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

For more Information on Utah Obamacare / Affordable Care Act:

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

Utah Insurance Department
State Office Building, Room 3110
Salt Lake City, UT 84114
Health Insurance Division Consumer Service: (801) 538-3077
TDD: (801) 538-3826
http://www.insurance.utah.gov
health.uid@utah.gov

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

Utah Medicaid Program
Utah Department of Health
Division of Medicaid and Health Financing
Street Address:
288 North 1460 West
Salt Lake City, UT 84114

Utah five largest cities in terms of population: Salt Lake City, West Valley City, Provo, West Jordan, and Orem.  You can apply for Affordable Care Act Health Insurance in any city in Utah.

Arkansas Affordable Care Act

Arkansas Affordable Care Act Comprehensive Guide

In this article, you will learn about the Affordable Care Act health care reform laws in Arkansas.  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 Arkansas 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 / Arkansas Obamacare:

How to Apply for Arkansas Affordable Care Act?

Arkansas Affordable Care Act marketplace is run by the Federal government.  Click on HealthCare.gov to access Arkansas 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?
Arkansas Federal www.HealthCare.gov Yes

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

Arkansas 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 Arkansas Medicaid health insurance, then you can sign-up Medicaid anytime of the year.

When is the deadline for Arkansas Affordable Care Act (AR ACA)?

Important dates for Arkansas 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 Arkansas Affordable Care Act?

There are four different plans within the Arkansas 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 Arkansas 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
Arkansas 2015 $299 $268

What are the Arkansas Affordable Care Act Eligibility Requirements?

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

  • Must live in Arkansas
  • 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 Arkansas Affordable Care Act?

Yes, every individual in Arkansas 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 Arkansas?

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 Arkansas 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.

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

State Medicaid Expansion
Arkansas Yes

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

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

  • Ambetter of Arkansas (Celtic)
  • Arkansas Blue Cross Blue Shield
  • National Blue Cross Blue Shield Multi-state Plan (MSP)
  • QCA Health Plan, Inc.

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

  1. Who runs the Arkansas Affordable Care Act? Federal
  2. Where can I sign up for Arkansas 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 Arkansas Affordable Care Act? Click here for the average ACA premium
  5. Did Arkansas expand Medicaid under Affordable Care Act? Yes

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

For more Information on Arkansas Obamacare / Affordable Care Act:

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

Arkansas Insurance Department
1200 West Third St
Little Rock, AR 27701
(855) 332-2227
insurance.consumers@arkansas.gov

If you have a hard time affording health coverage and you have questions about eligibility for Medicaid or about current Medicaid benefits, go to:
Arkansas Department of Human Services
Donaghey Plaza
P.O. Box 1437
Little Rock, AR 72203
http://humanservices.arkansas.gov/dco/Pages/MedicaidEligibility.aspx

Arkansas five largest cities in terms of population: Little Rock, Fort Smith, Fayetteville, Springdale, and Jonesboro.  You can apply for Affordable Care Act Health Insurance in any city in Arkansas.

Mississippi Affordable Care Act

Mississippi Affordable Care Act Comprehensive Guide

In this article, you will learn about the Affordable Care Act health care reform laws in Mississippi.  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 Mississippi 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 / Mississippi Obamacare:

How to Apply for Mississippi Affordable Care Act?

Mississippi Affordable Care Act marketplace is run by the Federal government.  Click on HealthCare.gov to access Mississippi 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?
Mississippi Federal www.HealthCare.gov No

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

Mississippi 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 Mississippi Medicaid health insurance, then you can sign-up Medicaid anytime of the year.

When is the deadline for Mississippi Affordable Care Act (MS ACA)?

Important dates for Mississippi 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 Mississippi Affordable Care Act?

There are four different plans within the Mississippi 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 Mississippi 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
Mississippi 2015 $276 $268

What are the Mississippi Affordable Care Act Eligibility Requirements?

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

  • Must live in Mississippi
  • 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 Mississippi Affordable Care Act?

Yes, every individual in Mississippi 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 Mississippi?

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 Mississippi 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.

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

State Medicaid Expansion
Mississippi No

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

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

  • Ambetter from Magnolia Health Plan
  • Humana (state-wide)
  • UnitedHealth Group

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

  1. Who runs the Mississippi Affordable Care Act? Federal
  2. Where can I sign up for Mississippi 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 Mississippi Affordable Care Act? Click here for the average ACA premium
  5. Did Mississippi expand Medicaid under Affordable Care Act? No

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

For more Information on Mississippi Obamacare / Affordable Care Act:

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

Health Help Mississippi
800 North President Street
Jackson, MS 39202
1-877-314-3843
www.healthhelpms.org
healthhelpms@mhap.org

Mississippi five largest cities in terms of population: Jackson, Gulfport, Hattiesburg, Southaven, and Biloxi.  You can apply for Affordable Care Act Health Insurance in any city in Mississippi.

Iowa Affordable Care Act

Iowa Affordable Care Act Comprehensive Guide

In this article, you will learn about the Affordable Care Act health care reform laws in Iowa.  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 Iowa 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 / Iowa Obamacare:

How to Apply for Iowa Affordable Care Act?

Iowa Affordable Care Act marketplace is run by the Federal government.  Click on HealthCare.gov to access Iowa 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?
Iowa Federal www.HealthCare.gov Yes

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

Iowa 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 Iowa Medicaid health insurance, then you can sign-up Medicaid anytime of the year.

When is the deadline for Iowa Affordable Care Act (IA ACA)?

Important dates for Iowa 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 Iowa Affordable Care Act?

There are four different plans within the Iowa 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 Iowa 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
Iowa 2015 $246 $268

What are the Iowa Affordable Care Act Eligibility Requirements?

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

  • Must live in Iowa
  • 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 Iowa Affordable Care Act?

Yes, every individual in Iowa 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 Iowa?

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 Iowa 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.

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

State Medicaid Expansion
Iowa Yes

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

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

  • Avera Health Plans (regional)
  • CoOpportunity Health (CO-OP; state-wide)
  • Coventry Health Care of Iowa (state-wide)

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

  1. Who runs the Iowa Affordable Care Act? Federal
  2. Where can I sign up for Iowa 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 Iowa Affordable Care Act? Click here for the average ACA premium
  5. Did Iowa expand Medicaid under Affordable Care Act? Yes

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

For more Information on Iowa Obamacare / Affordable Care Act:

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

Iowa State Insurance Division
Consumer Advocate Bureau
330 Maple Street
Des Moines, Iowa 50319
515-281-5705
877-955-1212
http://insuranceca.iowa.gov/
consumer.advocate@iid.iowa.gov

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

Iowa Medicaid Program
Department of Human Services of Iowa
Hoover State Office Building
1305 E. Walnut Street
Des Moines, Iowa 50319
(515) 256-4606
(800) 338-8366
www.dhs.state.ia.us
contactdhs@dhs.state.ia.us

Iowa five largest cities in terms of population: Des Moines, Cedar Rapids, Davenport, Sioux City and Waterloo.  You can apply for Affordable Care Act Health Insurance in any city in Iowa.