ObamaCare in Connecticut
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About Obamacare in Connecticut
The Affordable Care Act, more commonly referred to as Obamacare, is a law that intends to make healthcare to be more accessible for all U.S citizens, including Medicaid. Since January 1st, when Obamacare took effect, all individuals, except of select groups, are required to have insurance coverage. Otherwise, they will have to pay a tax penalty of $95 per adult and 47.50 per child or one percent of the family income, whichever is greater. If you want to see if you qualify for an exemption, go to: https://www.healthcare.gov/exemptions/.
During the open enrollment period, anyone can get Obamacare through Connecticut’s official marketplace called “Access Health Connecticut.” This is a virtual market where individuals, families and employers can find health insurance and coverage options fitting CT needs and insurance market. Access health Connecticut helps those who are having trouble to afford expenses by providing them with tax credit or federal financial aid.
Individual & Family Coverage
Individuals and families in Connecticut who are looking for the best healthcare insurance plans should go to Access Health Connecticut. The enrollment period for 2014 already ended; however, the new period starts on November 15, 2014 and runs until February, 15th 2014. The coverage will go into effect January, 1st 2015. To enroll, go to http://www.accesshealthct.com/.
If you have a qualifying life event such a significant economic change, getting married or divorced, moving from another state to CT or having a baby, you may be allowed to purchase a plan outside of the open enrollment period. In that scenario, you will have a special enrollment period of 60 days after the qualifying life event.
Obamacare plans are divided into four tiers: Bronze, Silver, Gold and Platinum. The division is based on the premiums and copays that each plan charges. There are also Catastrophic plans for people under 30 or who have a hardship exception. All plans must offer you the essential health benefits, for instance, emergency room care, prescription drugs, lab tests, and preventive services.
If you are the owner of a small business in Connecticut, you can obtain an insurance plan under the Affordable Care Act. If you operate a business with 50 or less full-time employees, you can use Access Health Connecticut to offer coverage to your employees. Your business may even be eligible for tax credits to help you offer coverage.
If you have 50 or less employees, you are not required by the law to offer coverage and you will not be charged a penalty if you don’t. The enrollment periods for small businesses are throughout the year but you have to sign up by the 15th of every month for the coverage to start on the first of the next month. There is a special marketplace for small businesses where you have the option to compare and choose between all the plans offered in Connecticut. You will find the marketplace at: http://www.accesshealthctsmallbiz.com/. If you are ready to enroll, you will have to directly contact an insurance company, a broker or agent.
Even if you have a pre-existing condition such as cancer or diabetes and you were rejected by an insurance company in the past, you can now get insurance coverage in Connecticut thanks to the Affordable Care Act (ACA). The ACA states that as of 2014 no insurance company is allowed to refuse coverage to anybody based on their pre-existing condition, gender or health status. The only exemptions to this rule are grandfathered plans because they do not have to offer coverage to people with pre-existing conditions. In Connecticut, the cost of your plan will be based on age, geographic location (county), whether you smoke and the coverage you choose.