ObamaCare in Indiana
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About Obamacare in Indiana
If you do not want to pay a tax penalty, you must be enrolled in a health insurance plan as part of the Affordable Care Act (Obamacare). If you do not enroll you must prove your exemption eligibility. If you want to learn what makes you exempt, go to: https://www.healthcare.gov/exemptions/. Otherwise you will be charged a penalty of $95 per adult or one percent of the family income, whichever is greater. If you currently have Medicare, Medicaid, COBRA or any other health insurance, you are not required to sign up for Obamacare in IN.
If you want to learn more about the different plans available for you, or compare them or purchase a plan, you may go to: https://www.healthcare.gov. There, select Indiana and see which plan options are available for you. Once you find the plan that suits your needs, the Marketplace will guide you through the enrollment process.
Individual & Family Coverage
The open enrollment period in IN for this year closed on March 31st, 2014. The new enrollment period will start on November 15th, 2014 for coverage that goes into effect on January 1st, 2015. If you qualify for a special enrollment period, you may enroll at any time. To apply for special enrollment you must have a qualifying life event such as moving to a new state, getting out of prison or becoming an American citizen. Indiana Residents who want to select an Obamacare plan may go to the Health Insurance Marketplace at: https://www.healthcare.gov.
Obamacare in IN currently offers four types of plans. Bronze, which is the lowest cost plan, covers around 60 percent; Silver covers around 70 percent; Gold covers approximately 80 percent; and Platinum, which is the one with the highest premiums, covers 90 percent. Generally speaking, the plans with higher premiums will have lower out-of-pocket expenses and vice versa. If you are under 30, you may buy a Catastrophic plan, which costs less than a Bronze plan. You will have to cover your medical expenses up to a certain amount and then the insurance will pay the rest.
If you are a small business owner, you might have been hearing about the employer mandate that requires employers to pay for insurance. However, this only applies to businesses with 50 employees or more. If you have less than 50 full-time employees, you can still offer coverage to your employees, as this may make you more eligible for tax credits. Small businesses in Indiana may go to https://www.healthcare.gov/small-businesses/ and find all the information they need about Small Business Health Options Program (SHOP) and the offered plans.
You can preview the plans, compare them, ask questions and then contact a broker or the insurance company if you want to enroll. Your employees must work at least 30 hours and you must cover them all if you want to use SHOP. You can sign up at any time during the year, but if you sign up before the 15th of every month, coverage will start the 1st of the following month.
The costs of the health insurance plans are based on your age, income, family size, which part of Indiana you live in and if you’re a smoker. Since early 2014, insurance companies are not allowed to charge more to individuals with a pre-existing condition, or to single somebody out based on their health status or gender.
In addition, they cannot modify or drop your insurance if you suddenly get sick. If you have diabetes, cancer, asthma or any other medical condition, you do not have to worry anymore about your insurance request being denied. With Indiana Obamacare, regardless of whether or not you are healthy or have a pre-existing condition, you will always have access to the essential benefits of health insurance. If you were previously rejected because of your pre-existing condition, go ahead and visit https://www.healthcare.gov to find the best plan for you.