Facts of Obamacare

October 1st marks the official opening of the state health insurance  exchanges, open marketplaces where residents of the U.S. can go to customize and  purchase varying levels of health insurance under the Affordable Care Act – also  known as Obamacare, check these facts below to stay informed.

Obamacare facts on who can legally avoid the tax penalty associated with Obamacare include:

• Undocumented immigrants,
• Members of certain religions,
• Individuals who are incarcerated,
• Native Americans,
• People with a family income below the taxable level,
• Those who must pay more than 8 percent of their income for health  insurance.

Other individuals who have minimal health coverage will also be able to avoid  the health tax penalty such as those who were members of:

• Medicare,
• Medicaid,
• TRICARE,
• A veteran’s health program,
• Some plans offered by employers,
• Minimal insurance purchased at the state’s Bronze Level,
• Individuals grandfathered into a health plan before the Affordable Care Act  was in effect.

Can children stay on a parent’s plan until age 26?

If a plan covers children, they can be added or kept on the health insurance policy until they turn 26 years old.

Learn more about Can children stay on a parent’s plan until age 26?

What if I need coverage that starts before January 2014?

You can buy individual insurance that starts before January 1, 2014. We can help you find your options. But some rights and benefits won’t apply yet.  

Learn more about What if I need coverage that starts before January 2014?

What if I’m self-employed?

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

Learn more about What if I’m self-employed?

What if someone doesn’t have health coverage in 2014?

If someone can afford it but doesn’t have health insurance coverage in 2014, they may have to pay a fee. They must also pay for all of their care.

Learn more about What if someone doesn’t have health coverage in 2014?

What is the Marketplace in my state?

No matter what state you live in, you’ll be able to compare your health insurance options in the Marketplace and find a health plan that meets your needs and fits your budget.

Learn more about What is the Marketplace in my state?

Where can I get low-cost care in my community?

If you can’t afford any health plan, you can get low-cost health care at a community health center.

Learn more about Where can I get low-cost care in my community?