ObamaCare in Alaska
To Get Started in Alaska Select From the Following:
» Get Information for Individuals and Families
» Get a Quote for Affordable Healthcare Online
» Call (888) 346-2306 from 9am – 9pm (M-F) for an Affordable Healthcare Rate
About Obamacare in Colorado
Ever since the Affordable Care Act, commonly known as Obamacare, went into effect, Colorado residents are obliged by law to get health insurance coverage unless they apply for an exemption. If you want to know if you are eligible for an exemption, go to https://www.healthcare.gov/exemptions/. If you do not qualify for exemption and you decide not to buy coverage, you will have to pay a tax penalty. The penalty fine is currently $95 per adult or one percent of the family income, whichever is greater. Those individuals who are already covered by their jobs, Medicare, Medicaid, COBRA or any other insurance, are not required to sign up for CO Obamacare.
If you want to enroll in Obamacare in Colorado, the Health Insurance Marketplace is called “Connect for Health Colorado” and it helps customers compare, view and purchase health insurance plans, apply for federal financial assistance and obtain customer support. Go to http://connectforhealthco.com/ to browse the CO Marketplace. You may also call 855-PLANS-4-YOU (855-7526749).
Individual & Family Coverage
The open enrollment period to sign up for Connect for Health Colorado in 2014 ended on March 31st. The next open enrollment period starts on November 15th, 2014 and ends on February 15th, 2015 and the coverage will start on January 1st, 2015. If there is a change in your life that makes you eligible for Special Enrollment Period, you will have 30 days after your qualifying life event to sign up. Qualifying life event examples are marring, having a baby or losing job coverage.
You will find four types of plans in Connect for Health Colorado: Bronze, Silver, Gold and Platinum. They have different coverage levels and their premiums, deductibles and copayments vary depending on the metal you chose. For instance, Bronze is the cheapest plan and offers about 60 percent coverage; it has low premiums but higher deductibles and copayments than the other plans. All the plans include minimum essential benefits such as doctor’s visits, maternity and newborn care, prescription drugs and laboratory services, among others. There are also Catastrophic plans for those who are not able to afford metal plans or are younger than 30.
If you own a small business in Colorado, you should know that if you have less than 50 employees, you are not required to offer health insurance coverage and you will not be charged a penalty if you do not. However, health insurance will make you more competitive in the market, help you retain your employees and keep them happier and healthier. Connect for Health Colorado has a section called Small Business Marketplace where owners will find 92 plans from six different insurance providers to offer to their employees. You will be able to compare the plans and choose your coverage level contribution so your employees can buy a plan using this contribution.
In addition, there are federal tax credits available for eligible small businesses to cover the premium costs; use this tool http://connectforhealthco.com/employers/calculators-small-business/ to see if you are eligible. Go to http://connectforhealthco.com/employers/ to browse through the available plans, compare them, get customer support and purchase the plan that best suit your needs. You may enroll any month up until the 15th of every month
Once the Affordable Care Act (Obamacare) went into effect, individuals in CO with pre-existing conditions now have the same rights as healthy people. Insurance providers are no longer allowed to deny coverage to people due to their health status or pre-existing conditions. In addition, insurances cannot charge extra to individuals with pre-existing conditions and cannot modify or drop the service based on gender or health status. Therefore, being sick will not prevent you from getting health insurance coverage anymore; even if you were denied coverage by the same company in the past due to a pre-existing condition.