What does the Affordable Care Act do?
- Creates the Health Insurance Marketplace
- Requires insurance companies to cover individuals with pre-existing conditions
- Helps you understand the coverage you’re getting
- Holds Insurance companies accountable for rate increases
- Makes it illegal for insurance companies to cancel your policy because you got sick
- Protects your choice of a doctor
- Covers young adults under 26
- Provides free preventative care
- Ends lifetime and yearly dollar limits on coverage essentials
- Guarantees your right to appeal
Who does it affect?
- Traditional Family
- Same-sex Family
- Non-Traditional Family+
- Seniors (65 and older)
- Pregnant Women
- Gay or Straight
- Male or Female*
- Female-to-Male or Male-to-Female
+Non-Traditional Family includes but not limited to: step-parents, legal guardian/custodian, foster parents, cohabitate couple, and grandparents.
*Washington Health Plan Finder website only has options for “Male” or “Female” selection, limiting options for other sexual orientation/identities.
Who is eligible?
- All American Citizens and Permanent Residents were required to have insurance by/before March 31, 2014. There are penalties for not enrolling.
- There are exemptions however, they are:
- Religious beliefs/values object to the acceptance of benefit from health insurance
- American Native/Alaskan Indian
- Undocumented Immigrant
- Have income below tax filing threshold
- The lowest cost plan premium exceeds 9.5% the individual’s annual income
What are the penalties?
- 2014: $95 per adult and $47.50 per child (up to $285 for a family) or 1% of income, whichever is greater.
- 2015: $325 per adult and $162.50 per child (up to $975 for a family) or 2% of income, whichever is greater.
- 2016: $695 per adult and $347.50 per child (up to $2,085 for a family) or 2.5% of income, whichever is greater.
Where to enroll?
PCAF’s Healthcare Enrollment Specialists
- Chace Chau, (253) 597-4803, email@example.com
- Rohan Marrero, (253) 722-0712, firstname.lastname@example.org