Uninsured? What You Need to Know About Obamacare

a  Confused about the ACA? Find out if you're required to enroll in Obamacare and what to do if you are.image © Digital Vision/Getty Images Uninsured? Wondering if you have to buy health insurance because of the Affordable Care Act? Know how to get health insurance that satisfies the law’s requirements without breaking your budget?Find out if the law requires you to have health insurance, and what will happen if you don’t get it. Learn how to enroll in Obamacare insurance, how to get help paying for it, and how to choose the best health plan.Do I Have to Get Health Insurance? If you're uninsured and you don’t have a health insurance exemption, you’ll have to get health insurance. The Affordable Care Act’s individual mandate requires everyone who’s not exempt to get health coverage by January 1, 2014.If you have health insurance through your job or a government program like Medicare, Medicaid or Tricare, that insurance satisfies the law’s requirement. You don't need to do anything else.If you have an individual health plan, your insurer can tell you if your current policy meets the law’s requirements. If you’re uninsured, you'll have to get health insurance or face a penalty.Is There a Way Out of Buying Health Insurance?If you’re uninsured and not interested in getting insurance, getting a health insurance exemption will help you avoid a tax penalty. To find out if you qualify for an exemption and how to get an exemption certificate, read “Can I Get a Health Insurance Exemption?”What Will Happen if I Don’t Get Health Insurance?If you’re not exempt and you choose not to get health insurance, you’ll owe a tax penalty called the shared responsibility payment. This penalty increases over time, and the amount depends on your income.The health insurance penalty rules can be complicated. For example, part of your income isn’t included when figuring the penalty amount. There’s an upper limit to the penalty you’ll have to pay if you’re wealthy; there’s a minimum amount you’ll have to pay even if your income is low.How Much Is the Health Insurance Penalty for an Individual?How Much Is the Health Insurance Penalty for a Family?If you’re weighing the cost of buying health insurance against the cost of paying the health insurance penalty, don’t forget to figure related costs into the mix. Costs that go along with the choice to remain uninsured include the cost of paying out-of-pocket for all of your health care expenses, not just the cost of the tax penalty. Also, a government health insurance subsidy, if you’re eligible, could lower the cost of buying health insurance.Can I Get Help Paying for Health Insurance?You could be eligible for a subsidy to make health insurance more affordable. The Affordable Care Act created two types of health insurance subsidies; both are income based.The premium tax credit subsidy pays part of your monthly health plan premiums so buying health insurance is less expensive. It’s like getting a discount on the cost of health insurance.The cost-sharing subsidy lowers your deductible, copays and coinsurance when you use your health insurance. Your health plan pays more of your medical expenses, and you pay less. It’s like getting a free upgrade on health insurance.Lastly, if your income is low, you might be eligible for Medicaid. Most Medicaid programs don’t charge any monthly premiums for coverage, or charge a very small amount.Learn more about how the subsidies work and whether you’re eligible for a subsidy to enroll in Obamacare by reading “Can I Get Help Paying for Health Insurance?”How Do I Buy Health Insurance?Although you can buy health insurance directly from a health insurance company, if you suspect you’re eligible for a subsidy or Medicaid, buy your health insurance through your state’s health insurance exchange, otherwise known as a marketplace, instead.Your state’s health insurance exchange is the only place you can apply for a government health insurance subsidy; furthermore, that subsidy can only be used for health insurance you buy through the exchange. The exchange can also tell if you’re eligible for Medicaid and help you apply for it.Even if you’re not eligible for Medicaid or a subsidy, you state’s health insurance exchange makes it easy to compare health plans. Since the plans offered through the exchange are in direct competition with each other, they may have lower monthly premiums than similar health plans sold elsewhere.Find out how to contact your state’s health insurance exchange.How Do I Pick the Best Plan?To pick a health plan that best fits your needs, you first need some basic information about health insurance.All of the health plans sold on health insurance exchanges provide the same essential health benefits. Some plans may provide benefits above and beyond the essential health benefits.All of the plans are categorized into one of four standard tiers. These tiers tell you the plan’s value. You can learn more about how the tiers work in “Bronze, Silver, Gold & Platinum—Understanding the Metal-Tier System.”The exchanges are likely to have several different types of health insurance offered at each value level. For example, if you want a silver-tier health plan, you might have to choose between a silver HMO, a silver PPO, and a silver POS plan. If you aren't sure how different types of health insurance work, read “HMO, PPO, EPO & POS—What’s the Difference & Which Is Best?”

Fighting a Health Insurance Claim Denial

zYou might run up against a health insurance claim denial when you use a medical service. Fortunately, routes are available for disputing claim denials, including getting help from the government in many states.It's usually worth fighting your denial. Sometimes your insurer will surrender and pay your claim to avoid the expense of handling an appeal. Sometimes your protests will uncover and reverse a mistake the insurer has made. And often a combination of the two will result in at least a partial payment.The best way to avert a claim problem is to avoid a dispute in the first place.This will take a little work on your part: You must read your policy and understand what it covers -- and doesn't cover -- before you get treatment. Pay particular attention to procedures and treatments that require prior approval from your insurer. If you fail to get prior approval, your care may not be covered.Alert your doctor about what's covered under your policy and try to make sure that she knows when prior approval is required. Your doctor deals with many patients and health insurance companies, so you can't expect that she will be as familiar with your health plan as she is with your medical history.If you are enrolled in a PPO or HMO make sure that you understand your health plan’s policy about using network providers. If you are in an HMO you will not be covered for any health-related services outside the HMO network unless you need some type of procedure that is not available in the network. You will need to get prior approval from the HMO for such services. The same applies for your PPO, you most likely can go out-of-network, but you will have significant out-of-pocket expenses.If there is anything in your policy that you don't understand, call your health plan's customer service line and ask for an explanation.Once you file a claim or you have asked for a pre-approval of a treatment, keep all of the records -- provider bills, explanations of benefits notices from your insurer and all other correspondence -- in a folder or paper-clipped together, so you can review them at a glance if the need arises.Start by reviewing your paperwork file. Then call your health plan's customer service line. Often, mistaken denials can be cleared up at this level. Be sure to take notes on all phone conversations, including the date and time of the call, the names of the people you talk to and what was discussed.If speaking with a customer service representative does not work, you may have to escalate to a formal written appeal.Your insurance policy will outline the paperwork your health plan requires you to file. You can expect to provide a great deal of information in writing, including copies of bills, your healthcare provider's name, address and phone number, and your physician's statement about why your treatment was or will be necessary.Many health plans have several steps in the appeal process. If your initial appeal is denied, you most likely will have additional appeals available. The entire appeal process should be outlined in the benefits booklet you received from your health plan.In many states, you can ask your state insurance commissioner's office to perform an independent review of your dispute. This step is usually taken after you go through your health plan's internal appeals process first.To find out about an independent review, check your health plan benefits booklet (sometimes referred to as “Evidence of Coverage”), which in some states is required to inform health plan members about appeals options external to the health plan. Another important resource is your state’s insurance department, or agency.Some health plans offer arbitration, in which an independent third party reviews the dispute and recommends an outcome. Whether the arbitrator's ruling is binding depends on the state and the health plan.If arbitration is offered under an employer-provided health plan, federal law says you can't be charged for using it.The more information you have, the more likely you are to win your claims denial appeal. Create a paper trail by keeping the following:your health insurance policycopies of denial letters from your health plancopies of any correspondence between you and your health plan, or between your health care provider (such as your doctor, hospital, or lab) and your health plandetailed notes of conversations with your health plancopies of correspondence with your state insurance departmentIf you get your health insurance through your employer, you should discuss your claims situation with your company’s benefit manager, who may have some leverage with your health plan.The Kaiser Family Foundation provides an outline of the external review process for each state.You can also get more information from your state health insurance department.This article was co-authored by David Fisher, a freelance writer based in Bend, Ore. In addition to writing and editing he has worked as a financial adviser and held insurance licenses in several states.

Can You Get a Health Insurance Exemption?

aIf you don’t want to pay a penalty tax, you’ll either have to have health insurance after December 31, 2013, or you’ll have to get a health insurance exemption.One of the provisions of the Affordable Care Act, the individual mandate, penalizes people who go without health insurance by making them pay a penalty tax called a shared responsibility payment. There are only three ways around this penalty:Have health insurance coverage that meets coverage rules.Get an exemption.Belong to a group the government views as having health insurance coverage, whether or not you actually do have coverage.You’re likely exempt from the individual mandate health insurance penalty if you:Aren’t in the United States legally.Are in jail or prison, unless you're incarcerated pending disposition of charges.Are an Alaskan Native or a member of an Indian Tribe.Have a small enough income that you’re not required to file income taxesHow much income can you have before you’re required to file income taxes? For 2012, individuals could earn $9750 before they had to file, and couples could earn $19,500. But, it changes every year. If you’d like to know the filing threshold for any particular year, it’s found in IRS publication 501 for that year, which you can get from the IRS Forms & Publications webpage.Have a religious conscience objection to insuranceTo qualify for this exemption: You must be a member of a recognized religious sect.You have to waive all of your Social Security benefits.The Commissioner of Social Security must agree that your religion opposes insurance for things like death, disability, and medical care.The Commissioner must find that members of your religion have made arrangements to provide for their dependent members since they aren’t using insurance as a safety-net.The sect must have been in existence continuously since December 31, 1950.David Emery, the About.com Guide to urban legends, addresses this area in more detail in“Are Muslims Exempt from ObamaCare Health Insurance Mandate?”Are a member of a health care sharing ministryHealth care sharing ministries are religion-based groups of people who assist each other with paying medical bills. You can learn more about health care sharing ministries from The Alliance of Health Care Sharing Ministries. Your membership won’t make you exempt from the individual mandate unless your sharing ministry has been in existence since 12/31/1999. Additionally, the ministry's yearly accounting audits must be available to the public.Can’t afford coverageTo be considered unaffordable, your contributions toward job-based coverage must be more than eight percent of your household income. For health insurance from your state’s health insurance exchange to be considered unaffordable, your contribution toward the annual premium of the lowest cost bronze plan available in the individual market must be more than eight percent of your household income.Have gone less than 3 consecutive months without coverageYou’re only allowed to use this exemption once per year, and only the first occasion each year is exempted. For example, if you’re uninsured for two months in February and March, then again for three months in August, September, and October, you’ll only be exempt for the February and March period. You’ll owe the shared responsibility payment penalty for the August, September, and October period.Have a hardship that legitimately prevents you from getting health insuranceYour health insurance exchange must decide that you have a hardship affecting your ability to get health insurance. Exchanges use rules and guidelines to make this decision. You can learn more in, "How To Get a Hardship Exemption."Your state health insurance exchange is responsible for exemptions based on hardship and religious conscience objection. Apply with the exchange; it will make the eligibility decision and issue the exemption if you qualify.You can claim exemptions based on the following when you file your federal tax return:coverage costing more than eight percent of your incomemembership in a healthcare sharing ministrymembership in an Indian Tribebeing incarceratedIf you prefer not to wait until you file your taxes, the exchange can also address the above exemptions. You might choose this option if you have questions or if you're not sure if your situation matches the criteria exactly.Exemptions due to being uninsured for less than three months will be taken care of when you file your income taxes.If your exemption is due to having a small enough income that you don't have to file federal income taxes, you don't actually have to apply for the exemption; it's automatic. If you file taxes even though you don't have to, for example because you want to get a refund, you won't have to pay the penalty tax.The government treats some people as though they have minimal essential health insurance coverage, even if they don’t. While not exactly the same as being exempt, the effect is similar in that those people don’t have to pay the health insurance penalty tax, even if they don’t have health insurance. You’ll be treated as though you have health insurance coverage if:For at least 330 days of the year, you live outside of the United States and maintain a tax home outside of the United StatesYou are a resident of Guam, American Samoa, Northern Mariana Islands, Puerto Rico, or the US Virgin Islands, and you don’t have a closer connection to the United States or a foreign country than you do to the US possession where you’re claiming residency.If none of those things applies to you, but you don’t want to owe the penalty tax, your best bet for avoiding it is to get health insurance coverage.If you’re unemployed or can’t get health insurance through your employer, your next best option is to try your state’s health insurance exchange. All of the health insurance plans sold through the exchange will meet the rules for minimum coverage. The exchange will also check to see if you’re eligible for any subsidies or tax credits to help you afford coverage, and apply those credits before you have to pay for the insurance.Before you shop for health insurance at your state’s health insurance exchange, learn how to pick the health insurance plan that’s the best fit for your healthcare needs and your budget in, “Before You Buy Health Insurance—What You Need to Know When You’re Shopping for Health Insurance.”If you don’t qualify for a health insurance exemption, you’re not living abroad or in a U.S. possession, and you’re not going to get health insurance before January 1, 2014, then you’re probably going to have to pay the shared responsibility penalty. “How Much Is the Health Insurance Penalty for an Individual?” and "How Much Is the Health Insurance Penalty for Families?" will help you figure out how much you’ll owe.  Source: U.S. Code 2011, Title 26, Subtitle D, Chapter 48, section 5000A

Uninsured? What You Need to Know About Obamacare

a  Confused about the ACA? Find out if you're required to enroll in Obamacare and what to do if you are.image © Digital Vision/Getty Images Uninsured? Wondering if you have to buy health insurance because of the Affordable Care Act? Know how to get health insurance that satisfies the law’s requirements without breaking your budget?Find out if the law requires you to have health insurance, and what will happen if you don’t get it. Learn how to enroll in Obamacare insurance, how to get help paying for it, and how to choose the best health plan.Do I Have to Get Health Insurance? If you're uninsured and you don’t have a health insurance exemption, you’ll have to get health insurance. The Affordable Care Act’s individual mandate requires everyone who’s not exempt to get health coverage by January 1, 2014.If you have health insurance through your job or a government program like Medicare, Medicaid or Tricare, that insurance satisfies the law’s requirement. You don't need to do anything else.If you have an individual health plan, your insurer can tell you if your current policy meets the law’s requirements. If you’re uninsured, you'll have to get health insurance or face a penalty.Is There a Way Out of Buying Health Insurance?If you’re uninsured and not interested in getting insurance, getting a health insurance exemption will help you avoid a tax penalty. To find out if you qualify for an exemption and how to get an exemption certificate, read “Can I Get a Health Insurance Exemption?”What Will Happen if I Don’t Get Health Insurance?If you’re not exempt and you choose not to get health insurance, you’ll owe a tax penalty called the shared responsibility payment. This penalty increases over time, and the amount depends on your income.The health insurance penalty rules can be complicated. For example, part of your income isn’t included when figuring the penalty amount. There’s an upper limit to the penalty you’ll have to pay if you’re wealthy; there’s a minimum amount you’ll have to pay even if your income is low.How Much Is the Health Insurance Penalty for an Individual?How Much Is the Health Insurance Penalty for a Family?If you’re weighing the cost of buying health insurance against the cost of paying the health insurance penalty, don’t forget to figure related costs into the mix. Costs that go along with the choice to remain uninsured include the cost of paying out-of-pocket for all of your health care expenses, not just the cost of the tax penalty. Also, a government health insurance subsidy, if you’re eligible, could lower the cost of buying health insurance.Can I Get Help Paying for Health Insurance?You could be eligible for a subsidy to make health insurance more affordable. The Affordable Care Act created two types of health insurance subsidies; both are income based.The premium tax credit subsidy pays part of your monthly health plan premiums so buying health insurance is less expensive. It’s like getting a discount on the cost of health insurance.The cost-sharing subsidy lowers your deductible, copays and coinsurance when you use your health insurance. Your health plan pays more of your medical expenses, and you pay less. It’s like getting a free upgrade on health insurance.Lastly, if your income is low, you might be eligible for Medicaid. Most Medicaid programs don’t charge any monthly premiums for coverage, or charge a very small amount.Learn more about how the subsidies work and whether you’re eligible for a subsidy to enroll in Obamacare by reading “Can I Get Help Paying for Health Insurance?”How Do I Buy Health Insurance?Although you can buy health insurance directly from a health insurance company, if you suspect you’re eligible for a subsidy or Medicaid, buy your health insurance through your state’s health insurance exchange, otherwise known as a marketplace, instead.Your state’s health insurance exchange is the only place you can apply for a government health insurance subsidy; furthermore, that subsidy can only be used for health insurance you buy through the exchange. The exchange can also tell if you’re eligible for Medicaid and help you apply for it.Even if you’re not eligible for Medicaid or a subsidy, you state’s health insurance exchange makes it easy to compare health plans. Since the plans offered through the exchange are in direct competition with each other, they may have lower monthly premiums than similar health plans sold elsewhere.Find out how to contact your state’s health insurance exchange.How Do I Pick the Best Plan?To pick a health plan that best fits your needs, you first need some basic information about health insurance.All of the health plans sold on health insurance exchanges provide the same essential health benefits. Some plans may provide benefits above and beyond the essential health benefits.All of the plans are categorized into one of four standard tiers. These tiers tell you the plan’s value. You can learn more about how the tiers work in “Bronze, Silver, Gold & Platinum—Understanding the Metal-Tier System.”The exchanges are likely to have several different types of health insurance offered at each value level. For example, if you want a silver-tier health plan, you might have to choose between a silver HMO, a silver PPO, and a silver POS plan. If you aren't sure how different types of health insurance work, read “HMO, PPO, EPO & POS—What’s the Difference & Which Is Best?”

How Much Is the Health Insurance Penalty for an...

aWill you have to pay a tax penalty for not having health insurance? How much is the health insurance penalty? Will it be cheaper to go without health insurance and pay the penalty, or to buy health insurance?One of the more controversial parts of the Affordable Care Act is the individual mandate which requires Americans to have health insurance by January 1, 2014. Although a small number of Americans are exempt from the requirement to have health insurance coverage, the rest of us will face a penalty, the shared responsibility payment, if we are uninsured.Each state will have a Health Insurance Exchange to help people find insurance, and subsidies will be available to help low income people afford health insurance. But, if you’re accustomed to going without insurance and don’t qualify for a subsidy, you’ll have to squeeze this new expense out of your budget or pay the individual mandate penalty.If you’re thinking about forgoing health insurance in hopes of saving money, the cost of the penalty will eat into your savings. Knowing the amount of your penalty can help you budget for it.If you're trying to calculate the penalty for a family, you can learn how here.Calculating the health insurance penaltyFirst, scroll down and look at the Individual Mandate Penalty Table at the bottom of the page. Then come back up to learn how to use it.The penalty you’ll pay is either a fixed minimum amount, or a percentage of your income. Using the table, calculate the penalty as a percentage of your income first. Then, compare that to the minimum health insurance penalty for that year. Your individual mandate penalty will be the larger of the two.Tip: Don't pay the government too much. Only pay the health insurance penalty on the portion of your income that's above the filing threshold. Subtract the filing threshold from your income before you calculate the penalty. (You’ll see examples of this below.) Tip: The filing threshold is the amount of income that requires you to file a tax return. People with incomes below the filing threshold don’t have to file an income tax return; those with incomes above the threshold must file. You can estimate the filing threshold using the 2012 filing threshold figures of $9750 for single filers and $19,500 for married couples filing jointly. Or, you can get the actual filing threshold for the year in question from publication 501 at the IRS forms and publications page.Situations that might decrease your penaltyCouldn’t find affordable health insurance?If you can't find health insurance that costs you less than 8% of your income, you may be exempt from the penalty. (The government can increase that 8% figure in the future if the cost of health insurance increases faster than average incomes increase.)Do you have a large penalty?The penalty amount is capped at the national average cost of a bronze-tier health insurance plan for that year.Did you have health insurance for part of the year?Only pay the penalty for the months you went without health insurance. For example, if you went without health insurance for seven months of the year, you would only pay seven-twelfths of the yearly health insurance penalty.Example AStan is a single 24 year old tax filer who made $45,000 in 2015 and was uninsured all year. Although his employer offered health insurance costing $280 per month, Stan felt he couldn't afford the $280 each month, so chose to go without insurance. Using the 2012 filing threshold amount of $9750, here are Stan’s estimated calculations:Step 1$45,000 - $9,750 = $35,250Stan’s income - filing threshold for single filers = portion of Stan’s income used to calculate the penaltyStep 2$35,250 X 0.02 = $705portion of Stan’s income used to calculate the penalty X the penalty percentage for 2015 which is 2% or 0.02 = Stan’s percentage-of-income penaltyStep 3Check the table. Compare the minimum penalty for 2015 with the percentage-of-income penalty you just calculated, and Stan’s individual mandate penalty will be the bigger of the two.Since $705 is larger than the minimum health insurance penalty of $325 for 2015, Stan will have to pay a penalty of $705 when he files his taxes on April 15, 2016. Stan’s employer offered health insurance that would have cost Stan less than 8% of his income, so Stan isn’t exempt from paying the penalty.Example BMary is a single 45 year old who was uninsured for eight months in 2016. The rest of 2016, she had health insurance. She earned $75,000. Using the 2012 filing threshold figures to estimate Mary’s penalty, here are the calculations:Step 1$75,000 - $9750 = $65,250 Mary’s income in 2016 - filing threshold for single filers = portion of Mary’s income used to calculate the penaltyStep 2$65,250 X 0.025 = $1,631.25portion of Mary’s income used to calculate the penalty X the penalty percentage for 2016 which is 2.5% or 0.025 = Mary’s percentage-of-income penaltyStep 3Check the table and choose the larger of the two penalties. The minimum penalty for 2016 is $695. Since that's less than Mary’s percentage-of-income penalty of $1631.25, Mary has to choose the percentage-of-income penalty.Step 48/12 X $1631.25= $1087Mary only has to pay eight-twelfths of the penalty since she was only uninsured for 8 months. So, Mary will have to pay an individual mandate penalty of $1087 when she files her taxes.Sources:US Code 2011, Title 26, subtitle D, Chapter 48, sec5000A; IRS: Questions and Answers on the Individual Shared Responsibility Provision; Congressional Research Service report: Individual Mandate and Related Information Requirements Under the PPACAYear 2014Year 2015Year 2016After 20161% of income above filing threshold2% of income above filing threshold2.5% of income above filing threshold2.5% of income above filing threshold

The Affordable Care Act

aDefinition: Signed into law by President Barack Obama in 2010, the Patient Protection and Affordable Care Act is responsible for the most sweeping reforms of the United States’ healthcare system since the 1965 passage of Medicare and Medicaid.BackgroundHotly contested along party lines, Republicans opposed the Affordable Care Act, derisively using the term Obamacare to describe the Act. The controversy continues even after the ACA’s passage with numerous court challenges to the law.What are the reforms?Some of the reforms implemented by the Affordable Care Act include establishing Health Insurance Exchanges, or marketplaces, where individuals, families, and small businesses may purchase guaranteed issue qualified health insurance plans with affordable premiums. These plans satisfy the ACA’s individual mandate requiring those who don’t have health insurance buy a health insurance policy.The ACA provides low-income purchasers with subsidies to make buying health insurance more affordable. At the same time, it imposes a tax penalty on those who remain uninsured once affordable health insurance is available through Health Insurance Exchanges.The ACA prevents insurers from refusing to cover people with a preexisting condition, or from charging them higher premiums because of a preexisting condition. This reform is phased in over several years.The ACA eliminates annual and lifetime caps on how much an insurance company will pay for a policy holder’s covered healthcare, and limits out-of-pocket maximums. It also eliminates copayments, deductibles, and coinsurance for basic preventive care services.Some parts of the Affordable Care Act won't be implementedTwo parts of the ACA will never be implemented. The Supreme Court disallowed a provision that would have withdrawn federal Medicaid funding to states that didn’t offer Medicaid to more people. Additionally, Congress repealed the long-term care provision of the ACA, known as the CLASS Act, in January 2013 after the Department of Health and Human Services determined it was unworkable.Also Known As: The Patient Protection and Affordable Care Act, the PPACA, the ACA, Obamacare, healthcare reform

Quel Obamacare ?

Bien que le mot Obamacare ondule beaucoup et tout le monde semble avoir une opinion sur la question de savoir si c'est bon ou mauvais, pas tout le monde croit savoir exactement quel Obamacare.C'est qu'un type d'assurance santé peut s'inscrire comme Croix bleue ou United Healthcare ? C'est un programme d'assurance-santé administré par le gouvernement, tels que Medicare ou Medicaid ? C'est obligatoire « médecine socialisée ». ?Réponse :Aucune de ces choses est.Obamacare est un surnom pour l'ensemble des règles de la réforme de la santé dans de la loi protection et des soins abordables pour le patient. La Loi des soins abordables, ACA, PPACA, réforme de la santé et Obamacare sont tous la même chose.Le terme Qu'obamacare était initialement utilisé par les adversaires du président Obama programme de réforme de la santé. C'était un terme péjoratif. Coincé cependant, avec le public en général car c'était plus facile à dire et plus mémorable que la réforme de la santé et l'affordable attention Loi PPACA.Maintenant le mot Obamacare n'implique pas que l'utilisateur est contre l'ensemble des réformes contenues dans la Loi sur les soins abordables. En fait, le président Obama a annoncé qu'il aime le terme ; Il se soucie.Obamacare est un ensemble de règles et de règlements, techniquement ne peut inscrire au Obamacare que ce que vous pouvez vous inscrire dans le code fiscal des États-Unis.Toutefois, l'expression s'inscrivent dans l'Obamacare librement est venu à signifier « S'inscrire à l'assurance maladie au travers d'échanges créé par la loi assurance abordable. » Pour vous inscrire au Obamacare peut ou ne peut également signifie recevoir l'aide gouvernementale pour payer une assurance santé comme subvention de crédit taxe sur prime d'assurance.Pas exactement.Toutes les polices d'assurance maladie, vendus par les circonscriptions de polices d'assurance maladie sont vendues par les compagnies d'assurance privées. Par exemple, vous pourriez acheter une police d'assurance de santé Kaiser, Aetna ou Healthnet selon les options de plan de santé sont disponibles par le biais de l'assurance maladie change. Puisqu'il n'y a aucune compagnie appelée assurance maladie Obamacare, en fait vous ne pouvez pas acheter Obamacare assurance que vous pouvez acheter l'assurance santé Croix bleue.Toutefois, des politiques d'assurance-maladie disponibles par le biais de l'assurance maladie échanges répondent aux normes de la réforme des soins de santé dans la Loi des soins abordables. Par exemple, tous les couvrent pour les 10 bienfaits essentiels.Ensuite, en ce sens, toutes les politiques d'assurance-maladie privée Obamacare sûr sont envisageables car leur conformité avec les réformes de la Loi sur les soins abordables, couvrir les 10 bienfaits essentiels et fournir une certaine valeur minimale. Toutefois, ils ne sont techniquement pas Obamacare assurance, Kaiser, Aetna, Healthnet ou toute société d'assurance-maladie privée vend cette particulière d'assurance maladie.Quand quelqu'un vous dit qu'ils ont l'assurance Obamacare, ne sais pas quel type d'assurance ont sans obtenir de plus amples renseignements. Vous êtes probablement prudent de supposer qu'ils ont une police d'assurance santé qui couvre les 10 bienfaits essentiels et respecte toutes les exigences de la Loi sur les soins abordables. Eux votre police d'assurance peut avoir été grâce à une assurance maladie change. En dehors de cela, vous avez besoin de renseignements pour savoir exactement quel genre d'assurance-maladie.Certains régimes n'ont pas à suivre toutes les règles de réforme de la santé de la santé sont la Loi des soins abordables. Connu comme les anciens plans de santé, sont des plans de santé ou des polices individuelles qui existaient lorsque l'Affordable Care Act a été promulgué le 23 mars 2010.Bien qu'ils doivent suivre les règles de la réforme de la santé, santé-grands-parents n'ont pas prévu de fournir toutes les protections nous trouvons de nouveaux plans de santé. Par exemple, ils n'ont pas à fournir des soins préventifs gratuit ou libre de la contraception, et ils peuvent vous facturer plus si vous allez à une salle d'urgence qui n'est pas dans votre réseau. Assurance individuelle bénéficiant de droits acquis politiques peuvent encore appliquer des limites de couverture annuelle, refusant de payer plus d'une fois qu'ils ont payé cette année d'un montant maximum établi vers leurs dépenses de santé.Toutefois, si un régime exclu fait trop de changements, il perdra son statut de droit acquis et ils doivent respecter les mesures de réforme de la Loi. Par exemple, si un régime exclu augmente de manière significative votre quote-part ou de taux de coassurance ou de franchise, perdra statut bénéficiant de droits acquis. Vous perdrez également statut bénéficiant de droits acquis si elle réduit les allocations.Soyez très prudent si quelqu'un essaie de vous vendre Obamacare assurance ou signe vers le haut pour Obamacare. Bien que vous puissiez utiliser le terme « s'inscrire à Obamacare » libre de dire « acheter assurance maladie grâce à l'assurance maladie de votre état Exchange », pourrait également être un arnaqueur essaie de vendre quelque chose qui n'existe pas.Si vous souhaitez vous inscrire au Obamacare, vous devez contacter directement leur état santé assurance change. Là, vous pouvez choisir entre plusieurs plans de santé différents asequible-cuidado - Loi conformes vendus par les compagnies d'assurance privées santé en concurrence directe avec l'autre. Vous savez ce que vous entendez, c'est une assurance légitime puisqu'ils ont étudié la politique de change, la politique et la société d'assurance-maladie à vendre avant ce qui vous permet de dresser la liste sur la bourse.Votre assurance maladie État Exchange est également où demander de l'aide pour payer une assurance santé. C'est le seul endroit où vous pouvez acheter une assurance grâce aux subventions de l'assurance maladie. Découvrez comment contacter votre assurance maladie état change.Vous pouvez en apprendre plus sur comment les fraudeurs tentent à déchirer les gens pour la vente de faux Obamacare assurance dans « Affordable Care Act (Obamacare) sans danger médicales escroqueries » sur le site Web du patient empowerment About.com par mon collègue Trisha Torrey.Mais maintenant vous savez que l'Obamacare est juste un nom accrocheur des règles de réforme de santé Loi soins abordables, peut encore être source de confusion lorsqu'il est utilisé par des phrases d'in-the-sais de personnes comme s'inscrire à Obamacare.Parce que la langue change au fil du temps, et Obamacare est un terme relativement nouveau, la façon dont nous utilisons le mot évolue ainsi que la mise en œuvre des mesures de réforme de la santé. Probablement continuera à évoluer dans les prochaines années, et nous avons trouvé que dix ans à compter de maintenant, nous avons encore plus de moyens pour répondre à la question « Quel Obamacare? ».En attendant, si quelqu'un veut dire Obamacare d'une manière qui n'a aucun sens pour vous, n'hésitez pas à demander des éclaircissements.