Affordable Care Act
In 2010 Congress passed and the President signed into law the Patient Protection and Affordable Care Act (ACA). Some provisions in the ACA are already in effect such as young adults staying on their parent’s health insurance plans until age 26, and other provisions will take effect in 2014. Starting October 1, 2013 individuals and families can enroll in the Healthcare Marketplace at healthcare.gov for health insurance starting January 1, 2014. The enrollment period is Oct. 1, 2013 through March 31, 2014; for coverage beginning January 1, 2014 enrollment must be before December 15, 2013.
Moraine Township: Moraine Township is partnering with the Lake County Health Department and the Alliance for Human Services to assist residents in navigating the new Health Insurance Marketplace starting October 1, 2013, and continuing through March 31, 2014. Certified volunteer counselors will be on hand throughout this period to assist individuals and small businesses with the enrollment process.
Assistance will be available by appointment daily from 8:30am to 4:30pm at the Moraine Township office at 777 Central Avenue, Highland Park, plus weekend and evening hours at various community locations. Call (847) 432-3240 to schedule an appointment with a trained in-person counselor/navigator to help you understand your choices and any assistance you may qualify for.
Find local help: Use this healthcare.gov link or call (800) 318-2596 to find a local agency or community group.
Getcoveredillinois.com: The Illinois Health Illinois Marketplace website for individuals and families and for small businesses. The State of Illinois is also operating a call center for those who need telephone assistance (866) 311-1119.
Healthcare.gov: Official federal government site designed to inform consumers, small business owners and self-employed individuals about the Affordable Care Act (ACA). People can use the site to search the Health Insurance Marketplace, ask health insurance questions, and apply online for health insurance. Small businesses are able to use the Small Business Health Options Program (SHOP) to locate health insurance for their employees. This site is managed by the U.S. Centers for Medicare & Medicaid Services.
Marketplace Application Checklist : “When you apply for coverage in the Health Insurance Marketplace, you’ll need to provide some information about you and your household, including income, any insurance you currently have, and some additional items. Use the checklist below to help you gather what you need to apply for coverage.”
- Tax returns or pay stubs
- Social Security or immigrant document numbers
- Employer name, address, phone number. Employer Identification Number (on your pay stub or W-2) and contact information
- Policy numbers for any current health insurance plans
- Medications you are taking
- Preferred doctors
- Preferred hospitals
Illinois Health Matters : “Your source for health care reform in Illinois.”
Kaiser Family Foundation: Health Insurance Subsidy Calculator : “This tool illustrates health insurance premiums and subsidies for people purchasing insurance on their own in new health insurance exchanges (or “Marketplaces”) created by the Affordable Care Act (ACA). Beginning in October 2013, middle-income people under age 65, who are not eligible for coverage through their employer, Medicaid, or Medicare, can apply for tax credit subsidies available through state-based exchanges.”
AARP's Health Care Law Fact Sheets: “Get the facts about the Affordable Care Act with these educational fact sheets from AARP's department of Education & Outreach.”
HealthLawHelper.org: "Consumer Reports’ new online tool, HealthLawHelper.org, does that. Just answer a few short questions about your family situation – your answers are anonymous – and you will get personalized information on what steps, if any, you may need to take. Even if you have coverage, it’s worth checking out. (You may experience problems with the tool if you use IE8, so try a different browser while we fix the issue)."
Consumer Reports Health Care Reform: Seven Things You Need to Know Now : “Consumer Reports has developed this brief guide to help you understand how the changes brought about by health reform, the Affordable Care Act (ACA) of 2010, will affect you and your family, now and in the future. Providing easy-to-understand comparative information to help consumers make the best decisions in the marketplace has been the mission of Consumer Reports since our founding 76 years ago.”
Consumer Reports: Medicare :6 Things You Need to Know Now : Information about the Affordable Care Act for Mediacre patients.