Author Archives: Affordable Care Act

Alabama Affordable Care Act

Alabama Affordable Care Act Guide

In this informative article, you will learn about the Affordable Care Act health care reform laws in Alabama.  You will learn how the new health care reform law, Affordable Care Act, also known as Obamacare or ACA, impacts you as a citizen of the state.  Learn how to sign-up for Alabama Affordable Care Act, the Affordable Care Act penalty, and subsidies.

What is Alabama Affordable Care Act?

Affordable Care Act, also know as ObamaCare or Health Care Reform, was signed into law in March 2010.  There are four main goals of the Affordable Care Act:

  1. Expanding Health Care Insurance Coverage
  2. Providing New Consumer Insurance Protections
  3. Offering New Insurance Choices via Marketplace Exchanges
  4. Making Health Insurance more affordable

When can I apply for Affordable Care Act Alabama?

You can only apply for Alabama Affordable Care Act during Open Enrollment.  The open enrollment for the 2015-2016 year starts from November 1, 2015, and ends on January 31, 2016.

If you qualify for Alabama Medicaid health insurance, then you can sign-up Medicaid anytime of the year.

If there are life-changing events, then you can apply for Affordable Care Act Special Enrollment Period.

When is Alabama Affordable Care Act deadline?

The AL Affordable Care Act Open Enrollment is only open for three months.  There are many Important dates around the end of the year for Alabama Affordable Care Act:

  • December 15, 2015: Last day to enroll in or change plans for new coverage to start January 1, 2016
  • January 1, 2016: 2016 coverage starts for those who enroll or change plans by Dec. 15.
  • January 15, 2016: Last day to enroll in or change plans for new coverage to start Feb. 1, 2016
  • January 31, 2016: 2016 Open Enrollment ends. Enrollments or changes between January 16 and January 31 take effect March 1, 2016.

How do I apply for Affordable Care Act Alabama (AL ACA)?

Alabama Affordable Care Act Health Insurance Marketplace is run by the Federal government. Click on HealthCare.gov to access Alabama Affordable Care Act Marketplace.  You can preview the different insurance plans and see participating doctors before selecting the final health insurance plan.

How much is Affordable Care Act Alabama?

The cost of Alabama Affordable Care Act health insurance depends on the metal plan you choose and the number of people in the household.

State Year Avg. Monthly Silver Plan (before Tax Credits) US Average
Alabama 2015 $264 $268

There are four different health insurance plans within the Alabama Obamacare Marketplace.  All of the plans cover the Essential Health Benefits.  The metal plans represent the various levels of coverage you receive and what the plan pays on average.  The plan levels DO NOT represent the quality of the health coverage/doctors you receive.

  • Bronze Plan: The plan pays 60% of the cost, you pay 40% of the cost
  • Silver Plan: The plan pays 70% of the cost, you pay 30% of the cost
  • Gold Plan: The plan pays 80% of the cost, you pay 20% of the cost
  • Platinum Plan: The plan pays 90% of the cost, you pay 10% of the cost

Platinum plans have the highest insurance premiums (monthly cost) and Bronze plans have the lowest insurance premiums.

How much is Alabama Affordable Care Act Penalty?

The penalty (or also called individual shared responsibility payment) is calculated in two ways.

For 2016 year, the ACA penalty is as follows:

  1. By percentage of income (2.5% of household income or maximum of National Average Bronze plan premium)
  2. By number of people in the household ($695 per adult, $347.50 per child or maximum $2085)

You’ll pay whichever penalty is higher.

How much are Alabama Affordable Care Act Subsidies? What are the requirements?

If your gross income is between 133% to 400% of the Federal Poverty Level, you can qualify for Affordable Care Act Subsidies if you purchased the health insurance from the Federal/State Marketplace.  Affordable Care Act Subsidies are also called, “Premium Tax Credits or PTC.”  If you income is above 400% of the Federal Poverty Level, you do not qualify for any Affordable Care Act Premium Subsidy.

ACA subsidy lowers your premium – the amount you pay each month to your insurance plan. The amount of your ACA Subsidy depends on the estimated household income that you put on your ACA Marketplace application.

Affordable Care Act - Federal Poverty Level
Federal Poverty Level Insurance Premium After PTC Subsidy
Up to 133% FPL 2% of income
133-150% FPL 3%-4% of income
150-2000% FPL 4%-6.3% of income
200-250% FPL 6.3%-8.05% of income
250-300% FPL 8.05%-9.5% of income
300-400% FPL 9.5 of income
Over 400% FPL No Government Subsidy

Do I need to get Affordable Care Act Alabama?

Yes, every individual in Alabama needs to have health insurance.  One of the hallmarks of the Affordable Care Act health care reform law is the Individual Mandate.  The Individual Mandate of Affordable Care Act health care law requires US Citizens and legal residents to enroll in a health insurance plan or pay a penalty.

You can choose not to have health insurance, but you will have to pay the penalty in addition to the hospitals/doctors medical fee if you do get sick.

You might be able to qualify for health coverage exemptions and be waived from paying the Affordable Care Act penalty.

What is the Requirement for Affordable Care Act Alabama?

To qualify for Alabama Affordable Care Act, you must meet the following requirements:

  • Must live in Alabama
  • Must be a US citizen, national, or lawfully present immigrant
  • Cannot be currently incarcerated (be in jailed)
  • Have a valid Social Security Number

Medicaid Expansion Relating to Affordable Care Act Alabama

Alabama did not expand the Medicaid program as of 2015/2016.

Alabama Affordable Care Act Frequently Asked Questions:

  1. Who runs the Affordable Care Act Alabama Marketplace? Federal
  2. Where can I sign up for Affordable Care Act Alabama? Click here
  3. How much is health insurance premium for Alabama Affordable Care Act? It depends on your income and the number of household/family.
  4. Which insurance companies are offering Affordable Care Act Plans in the state of Alabama? Click here to see the insurance companies

Click here for more Frequently Asked Questions on ACA / Affordable Care Act.

For additional Information on Alabama Affordable Care Act / Obamacare:

Alabama Department of Insurance
Toll-Free: (800) 438-5768
Local: (307) 777-7401
Website: State Department Insurance Website

Federal HealthGov Marketplace
Toll-Free: 1-800-318-2596
Website: HealthCare.gov

Alabama five largest cities in terms of population: Birmingham, Montgomery, Mobile, Huntsville, and Tuscaloosa.

Vermont Affordable Care Act

Vermont Affordable Care Act Guide

In this informative article, you will learn about the Affordable Care Act health care reform laws in Vermont.  You will learn how the new health care reform law, Affordable Care Act, also known as Obamacare or ACA, impacts you as a citizen of the state.  Learn how to sign-up for Vermont Affordable Care Act, the Affordable Care Act penalty, and subsidies.

What is Vermont Affordable Care Act?

Affordable Care Act, also know as ObamaCare or Health Care Reform, was signed into law in March 2010.  There are four main goals of the Affordable Care Act:

  1. Expanding Health Care Insurance Coverage
  2. Providing New Consumer Insurance Protections
  3. Offering New Insurance Choices via Marketplace Exchanges
  4. Making Health Insurance more affordable

When can I apply for Affordable Care Act Vermont?

You can only apply for Vermont Affordable Care Act during Open Enrollment.  The open enrollment for the 2015-2016 year starts from November 1, 2015, and ends on January 31, 2016.

If you qualify for Vermont Medicaid health insurance, then you can sign-up Medicaid anytime of the year.

If there are life-changing events, then you can apply for Affordable Care Act Special Enrollment Period.

When is Vermont Affordable Care Act deadline?

The VT Affordable Care Act Open Enrollment is only open for three months.  There are many Important dates around the end of the year for Vermont Affordable Care Act:

  • December 15, 2015: Last day to enroll in or change plans for new coverage to start January 1, 2016
  • January 1, 2016: 2016 coverage starts for those who enroll or change plans by Dec. 15.
  • January 15, 2016: Last day to enroll in or change plans for new coverage to start Feb. 1, 2016
  • January 31, 2016: 2016 Open Enrollment ends. Enrollments or changes between January 16 and January 31 take effect March 1, 2016.

How do I apply for Affordable Care Act Vermont (VT ACA)?

Vermont Affordable Care Act Health Insurance Marketplace is run by the state of Vermont. Click on Vermont Health Connect to access Vermont Affordable Care Act Marketplace.  You can preview the different insurance plans and see participating doctors before selecting the final health insurance plan.

How much is Affordable Care Act Vermont?

The cost of Vermont Affordable Care Act health insurance depends on the metal plan you choose and the number of people in the household.

State Year Avg. Monthly Silver Plan (before Tax Credits) US Average
Vermont 2015 $436 $268

There are four different health insurance plans within the Vermont Obamacare Marketplace.  All of the plans cover the Essential Health Benefits.  The metal plans represent the various levels of coverage you receive and what the plan pays on average.  The plan levels DO NOT represent the quality of the health coverage/doctors you receive.

  • Bronze Plan: The plan pays 60% of the cost, you pay 40% of the cost
  • Silver Plan: The plan pays 70% of the cost, you pay 30% of the cost
  • Gold Plan: The plan pays 80% of the cost, you pay 20% of the cost
  • Platinum Plan: The plan pays 90% of the cost, you pay 10% of the cost

Platinum plans have the highest insurance premiums (monthly cost) and Bronze plans have the lowest insurance premiums.

How much is Vermont Affordable Care Act Penalty?

The penalty (or also called individual shared responsibility payment) is calculated in two ways.

For 2016 year, the ACA penalty is as follows:

  1. By percentage of income (2.5% of household income or maximum of National Average Bronze plan premium)
  2. By number of people in the household ($695 per adult, $347.50 per child or maximum $2085)

You’ll pay whichever penalty is higher.

How much are Vermont Affordable Care Act Subsidies? What are the requirements?

If your gross income is between 133% to 400% of the Federal Poverty Level, you can qualify for Affordable Care Act Subsidies if you purchased the health insurance from the Federal/State Marketplace.  Affordable Care Act Subsidies are also called, “Premium Tax Credits or PTC.”  If you income is above 400% of the Federal Poverty Level, you do not qualify for any Affordable Care Act Premium Subsidy.

ACA subsidy lowers your premium – the amount you pay each month to your insurance plan. The amount of your ACA Subsidy depends on the estimated household income that you put on your ACA Marketplace application.

Affordable Care Act - Federal Poverty Level
Federal Poverty Level Insurance Premium After PTC Subsidy
Up to 133% FPL 2% of income
133-150% FPL 3%-4% of income
150-2000% FPL 4%-6.3% of income
200-250% FPL 6.3%-8.05% of income
250-300% FPL 8.05%-9.5% of income
300-400% FPL 9.5 of income
Over 400% FPL No Government Subsidy

Do I need to get Affordable Care Act Vermont?

Yes, every individual in Vermont needs to have health insurance.  One of the hallmarks of the Affordable Care Act health care reform law is the Individual Mandate.  The Individual Mandate of Affordable Care Act health care law requires US Citizens and legal residents to enroll in a health insurance plan or pay a penalty.

You can choose not to have health insurance, but you will have to pay the penalty in addition to the hospitals/doctors medical fee if you do get sick.

You might be able to qualify for health coverage exemptions and be waived from paying the Affordable Care Act penalty.

What is the Requirement for Affordable Care Act Vermont?

To qualify for Vermont Affordable Care Act, you must meet the following requirements:

  • Must live in Vermont
  • Must be a US citizen, national, or lawfully present immigrant
  • Cannot be currently incarcerated (be in jailed)
  • Have a valid Social Security Number

Medicaid Expansion Relating to Affordable Care Act Vermont

Vermont expanded the Medicaid program.

Vermont Affordable Care Act Frequently Asked Questions:

  1. Who runs the Affordable Care Act Vermont Marketplace? Vermont
  2. Where can I sign up for Affordable Care Act Vermont? Click here
  3. How much is health insurance premium for Vermont Affordable Care Act? It depends on your income and the number of household/family.
  4. Which insurance companies are offering Affordable Care Act Plans in the state of Vermont? Click here to see the insurance companies

Click here for more Frequently Asked Questions on ACA / Affordable Care Act.

For additional Information on Vermont Affordable Care Act / Obamacare:

Vermont Division of Financial Regulation
89 Main Street
Montpelier, VT 05620-3101
(802) 828-3301
Vermont Health Insurance | Vermont Health Connect

If you have a hard time affording health coverage and you have questions about eligibility for Medicaid or about current Medicaid benefits, go to: 
Vermont Department of Human Services
103 South Main Street
Waterbury, VT 05676-1500
http://dcf.vermont.gov/esd/health_insurance

Federal HealthGov Marketplace
Toll-Free: 1-800-318-2596
Website: HealthCare.gov

Vermont five largest cities in terms of population: Burlington, Essex, South Burlington, Colchester, and Rutland.

Washington DC Affordable Care Act

Washington DC Affordable Care Act Guide

In this informative article, you will learn about the Affordable Care Act health care reform laws in Washington DC.  You will learn how the new health care reform law, Affordable Care Act, also known as Obamacare or ACA, impacts you as a citizen of the state.  Learn how to sign-up for Washington DC Affordable Care Act, the Affordable Care Act penalty, and subsidies.

What is Washington DC Affordable Care Act?

Affordable Care Act, also know as ObamaCare or Health Care Reform, was signed into law in March 2010.  There are four main goals of the Affordable Care Act:

  1. Expanding Health Care Insurance Coverage
  2. Providing New Consumer Insurance Protections
  3. Offering New Insurance Choices via Marketplace Exchanges
  4. Making Health Insurance more affordable

When can I apply for Affordable Care Act Washington DC?

You can only apply for Washington DC Affordable Care Act during Open Enrollment.  The open enrollment for the 2015-2016 year starts from November 1, 2015, and ends on January 31, 2016.

If you qualify for Washington DC Medicaid health insurance, then you can sign-up Medicaid anytime of the year.

If there are life-changing events, then you can apply for Affordable Care Act Special Enrollment Period.

When is Washington DC Affordable Care Act deadline?

The Washington DC Affordable Care Act Open Enrollment is only open for three months.  There are many Important dates around the end of the year for Washington DC Affordable Care Act:

  • December 15, 2015: Last day to enroll in or change plans for new coverage to start January 1, 2016
  • January 1, 2016: 2016 coverage starts for those who enroll or change plans by Dec. 15.
  • January 15, 2016: Last day to enroll in or change plans for new coverage to start Feb. 1, 2016
  • January 31, 2016: 2016 Open Enrollment ends. Enrollments or changes between January 16 and January 31 take effect March 1, 2016.

How do I apply for Affordable Care Act Washington DC?

Washington DC Affordable Care Act Health Insurance Marketplace is run by the Federal government. Click on HealthCare.gov to access Washington DC Affordable Care Act Marketplace.  You can preview the different insurance plans and see participating doctors before selecting the final health insurance plan.

How much is Affordable Care Act Washington DC?

The cost of Washington DC Affordable Care Act health insurance depends on the metal plan you choose and the number of people in the household.

State Year Avg. Monthly Silver Plan (before Tax Credits) US Average
Washington DC 2015 $242 $268

There are four different health insurance plans within the Washington DC Obamacare Marketplace.  All of the plans cover the Essential Health Benefits.  The metal plans represent the various levels of coverage you receive and what the plan pays on average.  The plan levels DO NOT represent the quality of the health coverage/doctors you receive.

  • Bronze Plan: The plan pays 60% of the cost, you pay 40% of the cost
  • Silver Plan: The plan pays 70% of the cost, you pay 30% of the cost
  • Gold Plan: The plan pays 80% of the cost, you pay 20% of the cost
  • Platinum Plan: The plan pays 90% of the cost, you pay 10% of the cost

Platinum plans have the highest insurance premiums (monthly cost) and Bronze plans have the lowest insurance premiums.

How much is Washington DC Affordable Care Act Penalty?

The penalty (or also called individual shared responsibility payment) is calculated in two ways.

For 2016 year, the ACA penalty is as follows:

  1. By percentage of income (2.5% of household income or maximum of National Average Bronze plan premium)
  2. By number of people in the household ($695 per adult, $347.50 per child or maximum $2085)

You’ll pay whichever penalty is higher.

How much are Washington DC Affordable Care Act Subsidies? What are the requirements?

If your gross income is between 133% to 400% of the Federal Poverty Level, you can qualify for Affordable Care Act Subsidies if you purchased the health insurance from the Federal/State Marketplace.  Affordable Care Act Subsidies are also called, “Premium Tax Credits or PTC.”  If you income is above 400% of the Federal Poverty Level, you do not qualify for any Affordable Care Act Premium Subsidy.

ACA subsidy lowers your premium – the amount you pay each month to your insurance plan. The amount of your ACA Subsidy depends on the estimated household income that you put on your ACA Marketplace application.

Affordable Care Act - Federal Poverty Level
Federal Poverty Level Insurance Premium After PTC Subsidy
Up to 133% FPL 2% of income
133-150% FPL 3%-4% of income
150-2000% FPL 4%-6.3% of income
200-250% FPL 6.3%-8.05% of income
250-300% FPL 8.05%-9.5% of income
300-400% FPL 9.5 of income
Over 400% FPL No Government Subsidy

Do I need to get Affordable Care Act Washington DC?

Yes, every individual in Washington DC needs to have health insurance.  One of the hallmarks of the Affordable Care Act health care reform law is the Individual Mandate.  The Individual Mandate of Affordable Care Act health care law requires US Citizens and legal residents to enroll in a health insurance plan or pay a penalty.

You can choose not to have health insurance, but you will have to pay the penalty in addition to the hospitals/doctors medical fee if you do get sick.

You might be able to qualify for health coverage exemptions and be waived from paying the Affordable Care Act penalty.

What is the Requirement for Affordable Care Act Washington DC?

To qualify for Washington DC Affordable Care Act, you must meet the following requirements:

  • Must live in Washington DC
  • Must be a US citizen, national, or lawfully present immigrant
  • Cannot be currently incarcerated (be in jailed)
  • Have a valid Social Security Number

Medicaid Expansion Relating to Affordable Care Act Washington DC

Washington DC expanded the Medicaid program as of 2015/2016.

Washington DC Affordable Care Act Frequently Asked Questions:

  1. Who runs the Affordable Care Act Washington DC Marketplace? Federal
  2. Where can I sign up for Affordable Care Act Washington DC? Click here
  3. How much is health insurance premium for Washington DC Affordable Care Act? It depends on your income and the number of household/family.
  4. Which insurance companies are offering Affordable Care Act Plans in the state of Washington DC? Click here to see the insurance companies

Click here for more Frequently Asked Questions on ACA / Affordable Care Act.

For additional Information on Washington DC Affordable Care Act / Obamacare:

District of Columbia Healthcare Finance
Office of the Ombudsman
441 4th St, NW (9th and 10th Fl.)
Washington, DC 20001
(877) 685-6391
healthcareombudsman@dc.gov

http://healthcareombudsman.dc.gov/

Federal HealthGov Marketplace
Toll-Free: 1-800-318-2596
Website: HealthCare.gov

North Dakota Affordable Care Act

North Dakota Affordable Care Act Guide

In this informative article, you will learn about the Affordable Care Act health care reform laws in North Dakota.  You will learn how the new health care reform law, Affordable Care Act, also known as Obamacare or ACA, impacts you as a citizen of the state.  Learn how to sign-up for North Dakota Affordable Care Act, the Affordable Care Act penalty, and subsidies.

What is North Dakota Affordable Care Act?

Affordable Care Act, also know as ObamaCare or Health Care Reform, was signed into law in March 2010.  There are four main goals of the Affordable Care Act:

  1. Expanding Health Care Insurance Coverage
  2. Providing New Consumer Insurance Protections
  3. Offering New Insurance Choices via Marketplace Exchanges
  4. Making Health Insurance more affordable

When can I apply for Affordable Care Act North Dakota?

You can only apply for North Dakota Affordable Care Act during Open Enrollment.  The open enrollment for the 2015-2016 year starts from November 1, 2015, and ends on January 31, 2016.

If you qualify for North Dakota Medicaid health insurance, then you can sign-up Medicaid anytime of the year.

If there are life-changing events, then you can apply for Affordable Care Act Special Enrollment Period.

When is North Dakota Affordable Care Act deadline?

The ND Affordable Care Act Open Enrollment is only open for three months.  There are many Important dates around the end of the year for North Dakota Affordable Care Act:

  • December 15, 2015: Last day to enroll in or change plans for new coverage to start January 1, 2016
  • January 1, 2016: 2016 coverage starts for those who enroll or change plans by Dec. 15.
  • January 15, 2016: Last day to enroll in or change plans for new coverage to start Feb. 1, 2016
  • January 31, 2016: 2016 Open Enrollment ends. Enrollments or changes between January 16 and January 31 take effect March 1, 2016.

How do I apply for Affordable Care Act North Dakota (ND ACA)?

North Dakota Affordable Care Act Health Insurance Marketplace is run by the Federal government. Click on HealthCare.gov to access North Dakota Affordable Care Act Marketplace.  You can preview the different insurance plans and see participating doctors before selecting the final health insurance plan.

How much is Affordable Care Act North Dakota?

The cost of North Dakota Affordable Care Act health insurance depends on the metal plan you choose and the number of people in the household.

State Year Avg. Monthly Silver Plan (before Tax Credits) US Average
North Dakota 2015 $272 $268

There are four different health insurance plans within the North Dakota Obamacare Marketplace.  All of the plans cover the Essential Health Benefits.  The metal plans represent the various levels of coverage you receive and what the plan pays on average.  The plan levels DO NOT represent the quality of the health coverage/doctors you receive.

  • Bronze Plan: The plan pays 60% of the cost, you pay 40% of the cost
  • Silver Plan: The plan pays 70% of the cost, you pay 30% of the cost
  • Gold Plan: The plan pays 80% of the cost, you pay 20% of the cost
  • Platinum Plan: The plan pays 90% of the cost, you pay 10% of the cost

Platinum plans have the highest insurance premiums (monthly cost) and Bronze plans have the lowest insurance premiums.

How much is North Dakota Affordable Care Act Penalty?

The penalty (or also called individual shared responsibility payment) is calculated in two ways.

For 2016 year, the ACA penalty is as follows:

  1. By percentage of income (2.5% of household income or maximum of National Average Bronze plan premium)
  2. By number of people in the household ($695 per adult, $347.50 per child or maximum $2085)

You’ll pay whichever penalty is higher.

How much are North Dakota Affordable Care Act Subsidies? What are the requirements?

If your gross income is between 133% to 400% of the Federal Poverty Level, you can qualify for Affordable Care Act Subsidies if you purchased the health insurance from the Federal/State Marketplace.  Affordable Care Act Subsidies are also called, “Premium Tax Credits or PTC.”  If you income is above 400% of the Federal Poverty Level, you do not qualify for any Affordable Care Act Premium Subsidy.

ACA subsidy lowers your premium – the amount you pay each month to your insurance plan. The amount of your ACA Subsidy depends on the estimated household income that you put on your ACA Marketplace application.

Affordable Care Act - Federal Poverty Level
Federal Poverty Level Insurance Premium After PTC Subsidy
Up to 133% FPL 2% of income
133-150% FPL 3%-4% of income
150-2000% FPL 4%-6.3% of income
200-250% FPL 6.3%-8.05% of income
250-300% FPL 8.05%-9.5% of income
300-400% FPL 9.5 of income
Over 400% FPL No Government Subsidy

Do I need to get Affordable Care Act North Dakota?

Yes, every individual in North Dakota needs to have health insurance.  One of the hallmarks of the Affordable Care Act health care reform law is the Individual Mandate.  The Individual Mandate of Affordable Care Act health care law requires US Citizens and legal residents to enroll in a health insurance plan or pay a penalty.

You can choose not to have health insurance, but you will have to pay the penalty in addition to the hospitals/doctors medical fee if you do get sick.

You might be able to qualify for health coverage exemptions and be waived from paying the Affordable Care Act penalty.

What is the Requirement for Affordable Care Act North Dakota?

To qualify for North Dakota Affordable Care Act, you must meet the following requirements:

  • Must live in North Dakota
  • Must be a US citizen, national, or lawfully present immigrant
  • Cannot be currently incarcerated (be in jailed)
  • Have a valid Social Security Number

Medicaid Expansion Relating to Affordable Care Act North Dakota

North Dakota expanded the Medicaid program.

North Dakota Affordable Care Act Frequently Asked Questions:

  1. Who runs the Affordable Care Act North Dakota Marketplace? Federal
  2. Where can I sign up for Affordable Care Act North Dakota? Click here
  3. How much is health insurance premium for North Dakota Affordable Care Act? It depends on your income and the number of household/family.
  4. Which insurance companies are offering Affordable Care Act Plans in the state of North Dakota? Click here to see the insurance companies

Click here for more Frequently Asked Questions on ACA / Affordable Care Act.

For additional Information on North Dakota Affordable Care Act / Obamacare:

North Dakota Insurance Department
State Capitol, fifth floor
600 E. Boulevard Ave.
Bismarck, ND 58505-0320
(701) 328-2440
(800) 247-0560
TTY: (800) 366-6888
http://www.nd.gov/ndins/
insurance@nd.gov

If you have a hard time affording health coverage and you have questions about eligibility or current Medicaid benefits, go to:  

North Dakota Medicaid Program
Medical Services Division
North Dakota Department of Human Services
600 E. Boulevard Ave., Dept 325
Bismarck, ND 58505-0250
(701) 328-2321
Toll Free: (800) 755-2604
http://www.nd.gov/dhs/services/medicalserv/medicaid/
dhsmed@nd.gov

Federal HealthGov Marketplace
Toll-Free: 1-800-318-2596
Website: HealthCare.gov

North Dakota five largest cities in terms of population: Fargo, Bismarck, Grand Forks, Minot, and West Fargo.

Alaska Affordable Care Act

Alaska Affordable Care Act Guide

In this informative article, you will learn about the Affordable Care Act health care reform laws in Alaska.  You will learn how the new health care reform law, Affordable Care Act, also known as Obamacare or ACA, impacts you as a citizen of the state.  Learn how to sign-up for Alaska Affordable Care Act, the Affordable Care Act penalty, and subsidies.

What is Alaska Affordable Care Act?

Affordable Care Act, also know as ObamaCare or Health Care Reform, was signed into law in March 2010.  There are four main goals of the Affordable Care Act:

  1. Expanding Health Care Insurance Coverage
  2. Providing New Consumer Insurance Protections
  3. Offering New Insurance Choices via Marketplace Exchanges
  4. Making Health Insurance more affordable

When can I apply for Affordable Care Act Alaska?

You can only apply for Alaska Affordable Care Act during Open Enrollment.  The open enrollment for the 2015-2016 year starts from November 1, 2015, and ends on January 31, 2016.

If you qualify for Alaska Medicaid health insurance, then you can sign-up Medicaid anytime of the year.

If there are life-changing events, then you can apply for Affordable Care Act Special Enrollment Period.

When is Alaska Affordable Care Act deadline?

The AK Affordable Care Act Open Enrollment is only open for three months.  There are many Important dates around the end of the year for Alaska Affordable Care Act:

  • December 15, 2015: Last day to enroll in or change plans for new coverage to start January 1, 2016
  • January 1, 2016: 2016 coverage starts for those who enroll or change plans by Dec. 15.
  • January 15, 2016: Last day to enroll in or change plans for new coverage to start Feb. 1, 2016
  • January 31, 2016: 2016 Open Enrollment ends. Enrollments or changes between January 16 and January 31 take effect March 1, 2016.

How do I apply for Affordable Care Act Alaska (AK ACA)?

Alaska Affordable Care Act Health Insurance Marketplace is run by the Federal government. Click on HealthCare.gov to access Alaska Affordable Care Act Marketplace.  You can preview the different insurance plans and see participating doctors before selecting the final health insurance plan.

How much is Affordable Care Act Alaska?

The cost of Alaska Affordable Care Act health insurance depends on the metal plan you choose and the number of people in the household.

State Year Avg. Monthly Silver Plan (before Tax Credits) US Average
Alaska 2015 $547 $268

There are four different health insurance plans within the Alaska Obamacare Marketplace.  All of the plans cover the Essential Health Benefits.  The metal plans represent the various levels of coverage you receive and what the plan pays on average.  The plan levels DO NOT represent the quality of the health coverage/doctors you receive.

  • Bronze Plan: The plan pays 60% of the cost, you pay 40% of the cost
  • Silver Plan: The plan pays 70% of the cost, you pay 30% of the cost
  • Gold Plan: The plan pays 80% of the cost, you pay 20% of the cost
  • Platinum Plan: The plan pays 90% of the cost, you pay 10% of the cost

Platinum plans have the highest insurance premiums (monthly cost) and Bronze plans have the lowest insurance premiums.

How much is Alaska Affordable Care Act Penalty?

The penalty (or also called individual shared responsibility payment) is calculated in two ways.

For 2016 year, the ACA penalty is as follows:

  1. By percentage of income (2.5% of household income or maximum of National Average Bronze plan premium)
  2. By number of people in the household ($695 per adult, $347.50 per child or maximum $2085)

You’ll pay whichever penalty is higher.

How much are Alaska Affordable Care Act Subsidies? What are the requirements?

If your gross income is between 133% to 400% of the Federal Poverty Level, you can qualify for Affordable Care Act Subsidies if you purchased the health insurance from the Federal/State Marketplace.  Affordable Care Act Subsidies are also called, “Premium Tax Credits or PTC.”  If you income is above 400% of the Federal Poverty Level, you do not qualify for any Affordable Care Act Premium Subsidy.

ACA subsidy lowers your premium – the amount you pay each month to your insurance plan. The amount of your ACA Subsidy depends on the estimated household income that you put on your ACA Marketplace application.

Affordable Care Act - Federal Poverty Level
Federal Poverty Level Insurance Premium After PTC Subsidy
Up to 133% FPL 2% of income
133-150% FPL 3%-4% of income
150-2000% FPL 4%-6.3% of income
200-250% FPL 6.3%-8.05% of income
250-300% FPL 8.05%-9.5% of income
300-400% FPL 9.5 of income
Over 400% FPL No Government Subsidy

Do I need to get Affordable Care Act Alaska?

Yes, every individual in Alaska needs to have health insurance.  One of the hallmarks of the Affordable Care Act health care reform law is the Individual Mandate.  The Individual Mandate of Affordable Care Act health care law requires US Citizens and legal residents to enroll in a health insurance plan or pay a penalty.

You can choose not to have health insurance, but you will have to pay the penalty in addition to the hospitals/doctors medical fee if you do get sick.

You might be able to qualify for health coverage exemptions and be waived from paying the Affordable Care Act penalty.

What is the Requirement for Affordable Care Act Alaska?

To qualify for Alaska Affordable Care Act, you must meet the following requirements:

  • Must live in Alaska
  • Must be a US citizen, national, or lawfully present immigrant
  • Cannot be currently incarcerated (be in jailed)
  • Have a valid Social Security Number

Medicaid Expansion Relating to Affordable Care Act Alaska

Alaska expanded the Medicaid program.

Alaska Affordable Care Act Frequently Asked Questions:

  1. Who runs the Affordable Care Act Alaska Marketplace? Federal
  2. Where can I sign up for Affordable Care Act Alaska? Click here
  3. How much is health insurance premium for Alaska Affordable Care Act? It depends on your income and the number of household/family.
  4. Which insurance companies are offering Affordable Care Act Plans in the state of Alaska? Click here to see the insurance companies

Click here for more Frequently Asked Questions on ACA / Affordable Care Act.

For additional Information on Alaska Affordable Care Act / Obamacare:

Alaska Division of Insurance
9th Floor, State Office Bldg.
333 Willoughby Avenue
Juneau, AK 99801
(907) 465-2515
(800) INSURAK (1-800-467-8725)

If you have a hard time affording health coverage and you have questions about eligibility or current Medicaid benefits, go to:

Alaska Medicaid Program
State of Alaska Health & Social Services
Eligibility:
Division of Public Assistance
400 Gambell Street
Anchorage, AK 99501
(907) 269-6599

Federal HealthGov Marketplace
Toll-Free: 1-800-318-2596
Website: HealthCare.gov

Alaska five largest cities in terms of population: Anchorage, Juneau, Fairbanks, Sitka, and Ketchikan.

Affordable Care Act in Other Languages

Affordable Care Act in Other Languages

Chinese

Korean

Spanish

Russian

We will attempt to translate important Affordable Care Act in other languages.

affordablecareact.gov

The Affordable Care Act is run by the HealthCare.gov.  HealthCare.gov is a federal government website managed by the U.S. Centers for Medicare & Medicaid Services.

Contact Address:
U.S. Centers for Medicare & Medicaid Services
7500 Security Boulevard
Baltimore, MD 21244

AffordableCareAct.gov is not an active website.  Users should go to HealthCare.gov.
Obamacare.gov is not an active website.  Users should go to HealthCare.gov
ACA.gov is not an active website.  Users should go to HealthCare.gov

South Dakota Affordable Care Act

South Dakota Affordable Care Act Guide

In this informative article, you will learn about the Affordable Care Act health care reform laws in South Dakota.  You will learn how the new health care reform law, Affordable Care Act, also known as Obamacare or ACA, impacts you as a citizen of the state.  Learn how to sign-up for South Dakota Affordable Care Act, the Affordable Care Act penalty, and subsidies.

What is South Dakota Affordable Care Act?

Affordable Care Act, also know as ObamaCare or Health Care Reform, was signed into law in March 2010.  There are four main goals of the Affordable Care Act:

  1. Expanding Health Care Insurance Coverage
  2. Providing New Consumer Insurance Protections
  3. Offering New Insurance Choices via Marketplace Exchanges
  4. Making Health Insurance more affordable

When can I apply for Affordable Care Act South Dakota?

You can only apply for South Dakota Affordable Care Act during Open Enrollment.  The open enrollment for the 2015-2016 year starts from November 1, 2015, and ends on January 31, 2016.

If you qualify for South Dakota Medicaid health insurance, then you can sign-up Medicaid anytime of the year.

If there are life-changing events, then you can apply for Affordable Care Act Special Enrollment Period.

When is South Dakota Affordable Care Act deadline?

The SD Affordable Care Act Open Enrollment is only open for three months.  There are many Important dates around the end of the year for South Dakota Affordable Care Act:

  • December 15, 2015: Last day to enroll in or change plans for new coverage to start January 1, 2016
  • January 1, 2016: 2016 coverage starts for those who enroll or change plans by Dec. 15.
  • January 15, 2016: Last day to enroll in or change plans for new coverage to start Feb. 1, 2016
  • January 31, 2016: 2016 Open Enrollment ends. Enrollments or changes between January 16 and January 31 take effect March 1, 2016.

How do I apply for Affordable Care Act South Dakota (SD ACA)?

South Dakota Affordable Care Act Health Insurance Marketplace is run by the Federal government. Click on HealthCare.gov to access South Dakota Affordable Care Act Marketplace.  You can preview the different insurance plans and see participating doctors before selecting the final health insurance plan.

How much is Affordable Care Act South Dakota?

The cost of South Dakota Affordable Care Act health insurance depends on the metal plan you choose and the number of people in the household.

State Year Avg. Monthly Silver Plan (before Tax Credits) US Average
South Dakota 2015 $257 $268

There are four different health insurance plans within the South Dakota Obamacare Marketplace.  All of the plans cover the Essential Health Benefits.  The metal plans represent the various levels of coverage you receive and what the plan pays on average.  The plan levels DO NOT represent the quality of the health coverage/doctors you receive.

  • Bronze Plan: The plan pays 60% of the cost, you pay 40% of the cost
  • Silver Plan: The plan pays 70% of the cost, you pay 30% of the cost
  • Gold Plan: The plan pays 80% of the cost, you pay 20% of the cost
  • Platinum Plan: The plan pays 90% of the cost, you pay 10% of the cost

Platinum plans have the highest insurance premiums (monthly cost) and Bronze plans have the lowest insurance premiums.

How much is South Dakota Affordable Care Act Penalty?

The penalty (or also called individual shared responsibility payment) is calculated in two ways.

For 2016 year, the ACA penalty is as follows:

  1. By percentage of income (2.5% of household income or maximum of National Average Bronze plan premium)
  2. By number of people in the household ($695 per adult, $347.50 per child or maximum $2085)

You’ll pay whichever penalty is higher.

How much are South Dakota Affordable Care Act Subsidies? What are the requirements?

If your gross income is between 133% to 400% of the Federal Poverty Level, you can qualify for Affordable Care Act Subsidies if you purchased the health insurance from the Federal/State Marketplace.  Affordable Care Act Subsidies are also called, “Premium Tax Credits or PTC.”  If you income is above 400% of the Federal Poverty Level, you do not qualify for any Affordable Care Act Premium Subsidy.

ACA subsidy lowers your premium – the amount you pay each month to your insurance plan. The amount of your ACA Subsidy depends on the estimated household income that you put on your ACA Marketplace application.

Affordable Care Act - Federal Poverty Level
Federal Poverty Level Insurance Premium After PTC Subsidy
Up to 133% FPL 2% of income
133-150% FPL 3%-4% of income
150-2000% FPL 4%-6.3% of income
200-250% FPL 6.3%-8.05% of income
250-300% FPL 8.05%-9.5% of income
300-400% FPL 9.5 of income
Over 400% FPL No Government Subsidy

Do I need to get Affordable Care Act South Dakota?

Yes, every individual in South Dakota needs to have health insurance.  One of the hallmarks of the Affordable Care Act health care reform law is the Individual Mandate.  The Individual Mandate of Affordable Care Act health care law requires US Citizens and legal residents to enroll in a health insurance plan or pay a penalty.

You can choose not to have health insurance, but you will have to pay the penalty in addition to the hospitals/doctors medical fee if you do get sick.

You might be able to qualify for health coverage exemptions and be waived from paying the Affordable Care Act penalty.

What is the Requirement for Affordable Care Act South Dakota?

To qualify for South Dakota Affordable Care Act, you must meet the following requirements:

  • Must live in South Dakota
  • Must be a US citizen, national, or lawfully present immigrant
  • Cannot be currently incarcerated (be in jailed)
  • Have a valid Social Security Number

Medicaid Expansion Relating to Affordable Care Act South Dakota

South Dakota did not expand the Medicaid program as of 2015/2016.

South Dakota Affordable Care Act Frequently Asked Questions:

  1. Who runs the Affordable Care Act South Dakota Marketplace? Federal
  2. Where can I sign up for Affordable Care Act South Dakota? Click here
  3. How much is health insurance premium for South Dakota Affordable Care Act? It depends on your income and the number of household/family.
  4. Which insurance companies are offering Affordable Care Act Plans in the state of South Dakota? Click here to see the insurance companies

Click here for more Frequently Asked Questions on ACA / Affordable Care Act.

For additional Information on South Dakota Affordable Care Act / Obamacare:

South Dakota Division of Insurance
445 East Capitol Avenue
Pierre, SD 57501
(605) 773-3563
http://www.state.sd.us/drr2/reg/insurance
insurance@state.sd.us

If you have a hard time affording health coverage and you have questions about eligibility or current Medicaid benefits, go to:  

South Dakota Medicaid Program
Eligibility Questions:
South Dakota Department of Social Services
Division of Economic Assistance
700 Governors Drive
Pierre, SD 57501
(605) 773-4678
(877) 999-5612
http://dss.sd.gov/medicaleligibility/familieschildren/index.asp
MedElig@state.sd.us

Federal HealthGov Marketplace
Toll-Free: 1-800-318-2596
Website: HealthCare.gov

South Dakota five largest cities in terms of population: Sioux Falls, Rapid City, Aberdeen, Brookings, and Watertown.

Delaware Affordable Care Act

Delaware Affordable Care Act Guide

In this informative article, you will learn about the Affordable Care Act health care reform laws in Delaware.  You will learn how the new health care reform law, Affordable Care Act, also known as Obamacare or ACA, impacts you as a citizen of the state.  Learn how to sign-up for Delaware Affordable Care Act, the Affordable Care Act penalty, and subsidies.

What is Delaware Affordable Care Act?

Affordable Care Act, also know as ObamaCare or Health Care Reform, was signed into law in March 2010.  There are four main goals of the Affordable Care Act:

  1. Expanding Health Care Insurance Coverage
  2. Providing New Consumer Insurance Protections
  3. Offering New Insurance Choices via Marketplace Exchanges
  4. Making Health Insurance more affordable

When can I apply for Affordable Care Act Delaware?

You can only apply for Delaware Affordable Care Act during Open Enrollment.  The open enrollment for the 2015-2016 year starts from November 1, 2015, and ends on January 31, 2016.

If you qualify for Delaware Medicaid health insurance, then you can sign-up Medicaid anytime of the year.

If there are life-changing events, then you can apply for Affordable Care Act Special Enrollment Period.

When is Delaware Affordable Care Act deadline?

The DE Affordable Care Act Open Enrollment is only open for three months.  There are many Important dates around the end of the year for Delaware Affordable Care Act:

  • December 15, 2015: Last day to enroll in or change plans for new coverage to start January 1, 2016
  • January 1, 2016: 2016 coverage starts for those who enroll or change plans by Dec. 15.
  • January 15, 2016: Last day to enroll in or change plans for new coverage to start Feb. 1, 2016
  • January 31, 2016: 2016 Open Enrollment ends. Enrollments or changes between January 16 and January 31 take effect March 1, 2016.

How do I apply for Affordable Care Act Delaware (DE ACA)?

Delaware Affordable Care Act Health Insurance Marketplace is run by the Federal government. Click on HealthCare.gov to access Delaware Affordable Care Act Marketplace.  You can preview the different insurance plans and see participating doctors before selecting the final health insurance plan.

How much is Affordable Care Act Delaware?

The cost of Delaware Affordable Care Act health insurance depends on the metal plan you choose and the number of people in the household.

State Year Avg. Monthly Silver Plan (before Tax Credits) US Average
Delaware 2015 $301 $268

There are four different health insurance plans within the Delaware Obamacare Marketplace.  All of the plans cover the Essential Health Benefits.  The metal plans represent the various levels of coverage you receive and what the plan pays on average.  The plan levels DO NOT represent the quality of the health coverage/doctors you receive.

  • Bronze Plan: The plan pays 60% of the cost, you pay 40% of the cost
  • Silver Plan: The plan pays 70% of the cost, you pay 30% of the cost
  • Gold Plan: The plan pays 80% of the cost, you pay 20% of the cost
  • Platinum Plan: The plan pays 90% of the cost, you pay 10% of the cost

Platinum plans have the highest insurance premiums (monthly cost) and Bronze plans have the lowest insurance premiums.

How much is Delaware Affordable Care Act Penalty?

The penalty (or also called individual shared responsibility payment) is calculated in two ways.

For 2016 year, the ACA penalty is as follows:

  1. By percentage of income (2.5% of household income or maximum of National Average Bronze plan premium)
  2. By number of people in the household ($695 per adult, $347.50 per child or maximum $2085)

You’ll pay whichever penalty is higher.

How much are Delaware Affordable Care Act Subsidies? What are the requirements?

If your gross income is between 133% to 400% of the Federal Poverty Level, you can qualify for Affordable Care Act Subsidies if you purchased the health insurance from the Federal/State Marketplace.  Affordable Care Act Subsidies are also called, “Premium Tax Credits or PTC.”  If you income is above 400% of the Federal Poverty Level, you do not qualify for any Affordable Care Act Premium Subsidy.

ACA subsidy lowers your premium – the amount you pay each month to your insurance plan. The amount of your ACA Subsidy depends on the estimated household income that you put on your ACA Marketplace application.

Affordable Care Act - Federal Poverty Level
Federal Poverty Level Insurance Premium After PTC Subsidy
Up to 133% FPL 2% of income
133-150% FPL 3%-4% of income
150-2000% FPL 4%-6.3% of income
200-250% FPL 6.3%-8.05% of income
250-300% FPL 8.05%-9.5% of income
300-400% FPL 9.5 of income
Over 400% FPL No Government Subsidy

Do I need to get Affordable Care Act Delaware?

Yes, every individual in Delaware needs to have health insurance.  One of the hallmarks of the Affordable Care Act health care reform law is the Individual Mandate.  The Individual Mandate of Affordable Care Act health care law requires US Citizens and legal residents to enroll in a health insurance plan or pay a penalty.

You can choose not to have health insurance, but you will have to pay the penalty in addition to the hospitals/doctors medical fee if you do get sick.

You might be able to qualify for health coverage exemptions and be waived from paying the Affordable Care Act penalty.

What is the Requirement for Affordable Care Act Delaware?

To qualify for Delaware Affordable Care Act, you must meet the following requirements:

  • Must live in Delaware
  • Must be a US citizen, national, or lawfully present immigrant
  • Cannot be currently incarcerated (be in jailed)
  • Have a valid Social Security Number

Medicaid Expansion Relating to Affordable Care Act Delaware

Delaware expanded the Medicaid program.

Delaware Affordable Care Act Frequently Asked Questions:

  1. Who runs the Affordable Care Act Delaware Marketplace? Federal
  2. Where can I sign up for Affordable Care Act Delaware? Click here
  3. How much is health insurance premium for Delaware Affordable Care Act? It depends on your income and the number of household/family.
  4. Which insurance companies are offering Affordable Care Act Plans in the state of Delaware? Click here to see the insurance companies

Click here for more Frequently Asked Questions on ACA / Affordable Care Act.

For additional Information on Delaware Affordable Care Act / Obamacare:

Delaware Insurance Commissioner and Department of Insurance
Main Office
841 Silver Lake Blvd.
Dover, DE 19904
(302) 674-7300
consumer@state.de.us
http://www.delawareinsurance.gov/

If you have a hard time affording health coverage and you have questions about eligibility or current Medicaid benefits, go to:  

Delaware Medicaid Customer Relations
(800) 373-2022
(302) 255-9500
http://www.dhss.delaware.gov/dhss/dmma/medicaid.html

Federal HealthGov Marketplace
Toll-Free: 1-800-318-2596
Website: HealthCare.gov

Delaware five largest cities in terms of population: Wilmington, Dover, Newark, Middletown, and Smyrna.

Montana Affordable Care Act

Montana Affordable Care Act Guide

In this informative article, you will learn about the Affordable Care Act health care reform laws in Montana.  You will learn how the new health care reform law, Affordable Care Act, also known as Obamacare or ACA, impacts you as a citizen of the state.  Learn how to sign-up for Montana Affordable Care Act, the Affordable Care Act penalty, and subsidies.

What is Montana Affordable Care Act?

Affordable Care Act, also know as ObamaCare or Health Care Reform, was signed into law in March 2010.  There are four main goals of the Affordable Care Act:

  1. Expanding Health Care Insurance Coverage
  2. Providing New Consumer Insurance Protections
  3. Offering New Insurance Choices via Marketplace Exchanges
  4. Making Health Insurance more affordable

When can I apply for Affordable Care Act Montana?

You can only apply for Montana Affordable Care Act during Open Enrollment.  The open enrollment for the 2015-2016 year starts from November 1, 2015, and ends on January 31, 2016.

If you qualify for Montana Medicaid health insurance, then you can sign-up Medicaid anytime of the year.

If there are life-changing events, then you can apply for Affordable Care Act Special Enrollment Period.

When is Montana Affordable Care Act deadline?

The MT Affordable Care Act Open Enrollment is only open for three months.  There are many Important dates around the end of the year for Montana Affordable Care Act:

  • December 15, 2015: Last day to enroll in or change plans for new coverage to start January 1, 2016
  • January 1, 2016: 2016 coverage starts for those who enroll or change plans by Dec. 15.
  • January 15, 2016: Last day to enroll in or change plans for new coverage to start Feb. 1, 2016
  • January 31, 2016: 2016 Open Enrollment ends. Enrollments or changes between January 16 and January 31 take effect March 1, 2016.

How do I apply for Affordable Care Act Montana (MT ACA)?

Montana Affordable Care Act Health Insurance Marketplace is run by the Federal government. Click on HealthCare.gov to access Montana Affordable Care Act Marketplace.  You can preview the different insurance plans and see participating doctors before selecting the final health insurance plan.

How much is Affordable Care Act Montana?

The cost of Montana Affordable Care Act health insurance depends on the metal plan you choose and the number of people in the household.

State Year Avg. Monthly Silver Plan (before Tax Credits) US Average
Montana 2015 $241 $268

There are four different health insurance plans within the Montana Obamacare Marketplace.  All of the plans cover the Essential Health Benefits.  The metal plans represent the various levels of coverage you receive and what the plan pays on average.  The plan levels DO NOT represent the quality of the health coverage/doctors you receive.

  • Bronze Plan: The plan pays 60% of the cost, you pay 40% of the cost
  • Silver Plan: The plan pays 70% of the cost, you pay 30% of the cost
  • Gold Plan: The plan pays 80% of the cost, you pay 20% of the cost
  • Platinum Plan: The plan pays 90% of the cost, you pay 10% of the cost

Platinum plans have the highest insurance premiums (monthly cost) and Bronze plans have the lowest insurance premiums.

How much is Montana Affordable Care Act Penalty?

The penalty (or also called individual shared responsibility payment) is calculated in two ways.

For 2016 year, the ACA penalty is as follows:

  1. By percentage of income (2.5% of household income or maximum of National Average Bronze plan premium)
  2. By number of people in the household ($695 per adult, $347.50 per child or maximum $2085)

You’ll pay whichever penalty is higher.

How much are Montana Affordable Care Act Subsidies? What are the requirements?

If your gross income is between 133% to 400% of the Federal Poverty Level, you can qualify for Affordable Care Act Subsidies if you purchased the health insurance from the Federal/State Marketplace.  Affordable Care Act Subsidies are also called, “Premium Tax Credits or PTC.”  If you income is above 400% of the Federal Poverty Level, you do not qualify for any Affordable Care Act Premium Subsidy.

ACA subsidy lowers your premium – the amount you pay each month to your insurance plan. The amount of your ACA Subsidy depends on the estimated household income that you put on your ACA Marketplace application.

Affordable Care Act - Federal Poverty Level
Federal Poverty Level Insurance Premium After PTC Subsidy
Up to 133% FPL 2% of income
133-150% FPL 3%-4% of income
150-2000% FPL 4%-6.3% of income
200-250% FPL 6.3%-8.05% of income
250-300% FPL 8.05%-9.5% of income
300-400% FPL 9.5 of income
Over 400% FPL No Government Subsidy

Do I need to get Affordable Care Act Montana?

Yes, every individual in Montana needs to have health insurance.  One of the hallmarks of the Affordable Care Act health care reform law is the Individual Mandate.  The Individual Mandate of Affordable Care Act health care law requires US Citizens and legal residents to enroll in a health insurance plan or pay a penalty.

You can choose not to have health insurance, but you will have to pay the penalty in addition to the hospitals/doctors medical fee if you do get sick.

You might be able to qualify for health coverage exemptions and be waived from paying the Affordable Care Act penalty.

What is the Requirement for Affordable Care Act Montana?

To qualify for Montana Affordable Care Act, you must meet the following requirements:

  • Must live in Montana
  • Must be a US citizen, national, or lawfully present immigrant
  • Cannot be currently incarcerated (be in jailed)
  • Have a valid Social Security Number

Medicaid Expansion Relating to Affordable Care Act Montana

Montana did not expand the Medicaid program as of 2015/2016.

Montana Affordable Care Act Frequently Asked Questions:

  1. Who runs the Affordable Care Act Montana Marketplace? Federal
  2. Where can I sign up for Affordable Care Act Montana? Click here
  3. How much is health insurance premium for Montana Affordable Care Act? It depends on your income and the number of household/family.
  4. Which insurance companies are offering Affordable Care Act Plans in the state of Montana? Click here to see the insurance companies

Click here for more Frequently Asked Questions on ACA / Affordable Care Act.

For additional Information on Montana Affordable Care Act / Obamacare:

Montana Commissioner of Securities and Insurance
840 Helena Avenue
Helena, MT 59601
In-state only: (800) 332-6148
(406) 444-2040
TDD: (406) 444-3246
http://www.csi.mt.gov/consumers/consumers.asp

If you have a hard time affording health coverage and you have questions about eligibility or current Medicaid benefits, go to: 

Montana Medicaid
Department of Public Health and Human Services
1400 Broadway Street
Helena, MT 59601
(406) 444-4540 ext. 2
(800) 362 8312
HHSMedicaidContact@mt.gov
http://www.dphhs.mt.gov/programsservices/medicaid.shtml

Federal HealthGov Marketplace
Toll-Free: 1-800-318-2596
Website: HealthCare.gov

Montana five largest cities in terms of population: Billings, Missoula, Great Falls, Bozeman, and Butte.