What You Need to Know about the Affordable Care Act

The Affordable Care Act went into effect on October 1, 2013. Most people will have to have health insurance by the spring of 2014 or pay a fee. Here is a quick rundown of the basics.

Enrollment period:

  1. October 1, 2013 to March 31, 2014
  2. Annual Enrollment Periods after that start on October 15 and end on December 7 of each subsequent year.
  3. Special Enrollment Periods available in certain circumstances during the year (i.e., changing jobs, moving from one state to another).

The Federal Government has created a “Marketplace” for healthcare coverage.
How the Marketplace works:

  1. Go to Healthcare.gov
  2. Create an account;
  3. Apply;
  4. Pick a Plan;
  5. Enroll.

Where to enroll:

  1. You can enroll online or with a paper application.
  2. Healthcare.gov is the US government’s site that has been set up as a landing page and will help direct you to the “Health Insurance Marketplace” (which includes state by state information), access to information regarding eligibility requirements, individual vs. small business, etc.  The website is also available in Spanish as well as other languages.
  3. National Marketplace Toll-Free Call Center.  The phone numbers are 1-800-318-2596, and TTY at 1-855-889-4325 with 24/7 customer service in English and Spanish and a language line for 150 other languages.
  4. There are also two "navigators" per state that are trained to assist people with questions on all aspects of the programs and they have been specially trained by the Federal government for this duty.  You can find them using the Healthcare.gov site or National Marketplace Toll-Free Call Center.

Additional Helpful Links:










Sat, 2013-11-02 15:18