10 01 Affordible Care Act information
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What is the Illinois Health Insurance Marketplace?

The Illinois Health insurance Marketplace is a website that lets consumers and small employers compare health insurance options side by side and enroll in the health insurance coverage that best suits their family or employee needs.

-Individuals and Families: Individuals and families who are not eligible for other affordable, quality health insurance, such as Medicare, Medicaid, or employer-sponsored insurance, may be eligible for financial help to reduce the cost of their monthly premiums and medical expenses.

-Small Businesses: A small business health care tax credit is available to eligible employers with fewer than 25 full time equivalent employees who purchase coverage on the small business health options program (SHOP) marketplace to assist employers in paying their share of employee insurance premiums.

-ACA Adults: with the new Affordable Care Act(ACA),adults age 19-64 who were not previously eligible for coverage under Medicaid can now receive medical coverage beginning January 1, 2014. By applying now, individuals with income up to 138 percent of the federal poverty level (monthly income of $1,321/individual, $1,784/couple) can be covered starting in January 2014. http://www2.illinois.gov/hfs/MedicalCustomers/Programs/Pages/default.aspx

-Senior Health Insurance Progam (SHIP): Free statewide health insurance counceling service for Medicare beneficiaries & their caregivers. Sponsored by the Department on Aging. 1-800-548-9034

-Starting in 2014, everyone must have health insurance that covers their basic health care needs. The only people who do not need to get health insurance are the ones who get an "exemption." If you don't get health insurance or an exemption, you will have to pay a fee.

-U.S. citizens living in a foreign country are not required to get health insurance coverage under the Affordable Care Act. If you're uninsured and living abroad, you don't have to pay the fee that other uninsured U.S. citizens may have to pay.

-Generally, health insurance coverage in the Marketplace covers health care provided by doctors, hospitals, and medical services within the United States. If you're living abroad, it's important to know this before you consider buying Marketplace insurance. https://www.healthcare.gov/am-i-eligible-for-coverage-in-the-marketplace/

-U.S. territories can decide whether to create their own Health Insurance Marketplace or expand Medicaid coverage. Residents of a U.S. territory aren't eligible to apply for health insurance using the federal or state Marketplace. Check with your territory's government offices to learn about these options. https://www.healthcare.gov/am-i-eligible-for-coverage-in-the-marketplace/

-you can apply to the Marketplace any time outside open enrollment. But the coverage you can get depends on your situation and the coverage you qualify for.

-outside open enrollment, you can enroll in a private insurance plan through the Marketplace only if you have certain life events that give you a special enrollment period.

-you can apply for Medicaid or the Children's Health Insurance Program (CHIP) any time and you can enroll right away.

-In order to buy a Marketplace health insurance plan outside the open enrollment period, you must have a qualifying life event. Qualifying life events that create a special enrollment period include:

-Getting married
-having, adopting, or placement of a child
-permanently moving to a new area that offers different health plan options
-losing other health coverage(for example due to a job loss, divorce, loss of eligibility for Medicaid or CHIP, expiration of COBRA coverage, or a health plan being decertified. Note: Voluntarily quitting other health coverage or being terminated for not paying your premiums are not considered loss of coverage. Losing coverage that is not minimum essential coverage is also not considered loss of coverage.
-For people already enrolled in Marketplace coverage, having a change in income or household status that affects eligibility for tax credits or cost sharing reductions

-If you have a qualifying life event, you get a special enrollment period. This means you can enroll in or change your health insurance plan outside the open enrollment period. Most special enrollment periods last 60 days from the date of the qualifying life event. Open enrollment for Marketplace coverage ends March 31, 2014. The next open enrollment period is November 15, 2014-January 15, 2015.

-You can enroll in Medicaid or the Children's Health Program (CHIP) in your state at any time-there is no open enrollment period for these programs. Medicaid and CHIP provide health coverage to millions of families with limited incomes.

-You can find out if you qualify for Medicaid or CHIP by filling out a Marketplace application or going directly to your state Medicaid agency.

-Some states are expanding their Medicaid programs starting January 1, 2014. If your state is expanding Medicaid,You'll probably qualify if your income is below about $15,800 for an individual or $32,500 for a family of 4. See if your state is expanding Medicaid.