The Affordable Care Act is comprehensive national health reform that goes
into effect on January 1, 2014. With open enrollment in the Health Insurance
Marketplace beginning on October 1, there are several things you can do now
to get ready. Enrollment will run through March 31, 2014.
There are existing programs through which you may be able to get coverage.
Visit HealthCare.gov to learn more about insurance for adults up to age 26
and programs for people and children in families with limited incomes
including Medicaid and CHIP.
Through the Marketplace, you will be able to choose a health plan that gives
you the right balance of costs and coverage. You can be better prepared if
you understand the types of coverage from which you will choose.
Make a list of questions before it’s time to choose a health plan. For
example, “Can I stay with my current doctor?” or “Will this plan cover my
health costs when I’m traveling?” Make sure you understand how insurance
works, including things like premiums, deductibles, out-of-pocket maximums,
co-payments, and coinsurance.
Gather basic information about your household income. To find out what you
are eligible for, you will need income information such as what is on your
W-2, pay stubs, or tax return. There will be different types of health plans
to meet a variety of needs and budgets. You will need to figure out how much
you want to spend on premiums each month.
Check with your employer to see if the company will offer health insurance
in 2014. If not, you may need to get insurance through the Marketplace or
from other sources in 2014. Visit