Affordable Care Act

ACAWhat 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?

  • Family
    • Traditional Family
    • Same-sex Family
    • Non-Traditional Family+
  • Seniors (65 and older)
  • Children
  • Pregnant Women
  • Adults
    • 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:
    • Incarceration
    • 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

Washington Health Benefit Exchange

Washington Health Plan Finder