Welcome to our live web chat about the Affordable Care Act. Taking your questions are Deanna from Cincinnati Legal Aid, Kyle from Crossroad Health Center and Florence from the Northern Kentucky Community Action Commission.
We'll get started at 5 p.m.
We're also joined by Kate from Interact for Health and Brittnay from Northern Kentucky Community Action Commission
Thanks for the question! Typically a person with Medicaid will remain on that plan. However, someone may choose to change to a private plan and pay for insurance due to the expanded health provider network.
Thanks for the question, Viv! For Ohio, www.healthcare.gov and for Kentucky, www.kynect.ky.gov.
Thanks for the question. You will be required to purchase health insurance in 2014. If you would like to see your options, please visit www.healthcare.gov
Great Question. Yes, your husband will be able to purchase insurance during open enrollment or upon any qualifying event. Loss of insurance is a qualifying event.
Thanks, Dean. If your employer offers insurance, you can look for insurance on www.healthcare.gov, however, if your employer's insurance is considered "affordable" you will not qualify for a tax subsidized plan. You may find cheaper insurance outside of the office- make sure you check out all your options!
Thanks Skeeter! For the 2014 year, the penalty for no insurance will be $95/adult, $47.50/child, or up to 1% of your annual income - or whichever is greater.
Thanks for your question Don. I need more information to properly answer your question. Are you unable to work because of a disability?
Don - I would recommend submitting an application for Social Security Disability now and then applying for Medicaid for the disabled with the local County Department of Job & Family Services. Unfortunately, Ohio has not expanded the Medicaid program (yet) to cover adults without depndent children who are low income.
Don - my answer assumes that you live in Ohio. Please tell me if that is not true.
Great question, Janice! The insurance marketplaces are open through March 31, 2014. You can buy insurance in January that takes effect February 1st. Make sure you give yourself 2 or 3 weeks for the insurance company to process your application and coverage to begin. You can start shopping now and buy in January.
Pat, thanks for the questions. About your current insurance from both employers, your employers can actually enroll in the exchange and cover their employees through the exchange as long as the pay for at half the cost of the plan. That component is called SHOP. Small business Health Options Program. Or, you can purchase it directly. Remember, with the new program, preexisting conditions no longer affect coverage. Your six months to sign up question relates to the open enrollment period for this year - October 1, 2013 through March 31, 2014. If you enroll by December 15, your coverage will start on January 1, 2014.
Thanks for the question, Kermit. Medicare has not been affected negatively by the Affordable Care Act. In fact, you should notice that more screenings and prevention services have been included and over the next 5 years, there will be a gradual closing on the donut hole (cost gap for prescription drugs).
Thanks, Skeeter! You are welcome to set-up an account on the Marketplace and "shop" for affordable health plans. If your employer offers an affordable insurance plan (affordable is defined as your share of the premium costing less than 9.5% of your annual income), you may not be eligible for financial assistance or tax subsidies. We encourage everyone to go to www.healthcare.gov and see what options are on the Marketplace.
SCOTTLE: do you mean signing up till December 15, 2013?
Pat, you can shop on the exchange for your state of residence only. You can compare plans within a state, but not across states.
Thanks for the question, Marty! Someone will be right with you.
Thanks Dan! Go to www.healthcare.gov and click on the "Get Help" button. There will be a list of organizations that can help you look at your options and navigate the Marketplace.
SCOTTLE: if you did mean that, you can buy insurance anytime until March 31st. You will only pay a fine if you are uninsured more than 3 months. so you can buy insurance on January 1st and have coverage begin mid-January and not pay a fine.
Thanks for your question Phyllis. This is a concern for many people. I would encourage you to go to www.healthcare.gov and enter in the information that is asked. If you are low income (as you describe), you will qualify for 2 types of savings programs when purchasing insurance on the Health Insurance Marketplace: 1) premium tax credits and 2) cost savings reductions. There are also 4 different levels of plans from bronze level (the cheapest) to premium (the most expensive).
SCOTTLE: They will just need sometime to process the application. They are judging about 2 weeks.
Hi Scottle! This chat will be saved, so you can print it out...