Affordable Care Act
On March 23, 2010 the Patient Protection and Affordable Care Act, commonly known as the Affordable Care Act or Obama care, was signed into law. The affordable care act was created to reform the American healthcare system and insurance industry. Significant changes include persons with preexisting conditions no longer being denied coverage. Access has also been expanded to certain types of preventative screenings, such as cancer, diabetes and blood pressure screenings. On October 1, 2013 the open enrollment period begins for purchasing coverage through the healthcare market place. The enrollment period ends March 31, 2014.
Where can you find the Affordable Care Act?
The Act features 2 parts. Through the U.S. Government printing Office the original act can be read as a PDF or HTML. Its amended final version have also been linked as both a PDF or HTML version which can be viewed.
Dates to Know:
There are 3 key dates that are important to know.
· October 1, 2013:The Health Insurance Marketplace open enrollment starts
· January 1, 2014: Health coverage purchased through the marketplace begins.
· March 31, 2014: The open enrollment period ends.
What is the Health Insurance Marketplace?
The Health Insurance marketplace is a way to find health coverage options in your area with one application. The marketplace will allow opportunities to compare options side by side and see low cost options, if applicable.
Where can I receive help ?
Healthcare.gov's local help search identifies the organizations that will be offering assistance with the application process starting October 1st.
Dakota Plains Legal Service- 528 Kansas St., Suite 1 Rapid City SD 57709 Phone: 605-342-7171
Great Plains Tribal Chairmen's Health Board - 1770 Rand Road Rapid City, SD 57702 Phone: 605-721-1922 x104
Western SD Community Action, Inc. - 1844 Lombardy Dr. Rapid City, SD 57703 Phone: 605-348-1460
What will I need when applying?
The pieces of information needed for applying are:
· Social Security number or document number for immigrants.
· Employer and information for all who will need coverage (W-2, Pay Stub, tax return, etc.)
What if I don’t have insurance?
Adults who don’t have insurance will incur a fee of $95 or 1% of their income, whichever is highest in 2014. The fee for is half that of the adult. This fee will be paid on their 2014 tax returns. Each year the fee will increase with 2015 having an adult fee of $325 and $162.50 for children or 2% of household income. 2016 having a fee of 2.5% or $695. More information can be found at Healthcare.gov under the topic "What happens if someone doesn't have coverage in 2014?"
There are a number of videos available to guide the process of applying for the Health Care Marketplace, choosing and enrolling in a plan,
Kaiser Family Foundation offers this short and simple video to give an overview of the Affordable Care Act.
https://www.healthcare.gov/ offers multiple videos that guide users through the different steps of enrolling
Health Reform in Action- The official guide to health care reform from the White House. Health reform in action offers infographics, facts, a timeline and current news on reform.
AARP Affordable Care Resources- offers numerous factsheets highlighting the basics of the law and what the ACA means for different segments of the American public
Kaiser Family Foundation- Health Reform. – resources for consumers to understand the health reform and options that are available. The Kaiser Family Foundation makes use of videos, flow charts, infographics, and an FAQ section to assist users.