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Get Covered. Stay Covered. | 855-SJ-DISCOVER

The Heath Care Law

According to the Affordable Care Act, everyone who legally lives in the United States must have health insurance.

In addition, for millions of uninsured people, this law gives access to healthcare plans at different cost levels. Based on their income and family size, those who qualify also may receive financial assistance when purchasing these plans.

You may compare plans at the Health Insurance Marketplace, also known as an exchange. This one-stop shop allows you to choose a plan that fits your budget and coverage needs.

We’re here to help you learn about the law and how to select the right plan for you and your family.

What Will the Plans Cover?

Coverage includes doctor visits, hospital stays, wellness care, prescriptions, emergency service and more. In fact, 10 essential health benefits must be covered in every plan, and certain preventive care services will be provided at no additional cost to patients. Insurers cannot deny coverage because of pre-existing conditions.

Get Covered. Stay Covered.

Open enrollment for 2015 coverage runs from November 15, 2014 to February 15, 2015.

If you do not have insurance, visit the Marketplace at www.HealthCare.gov. There you can compare benefits and costs easily. Those who do not sign up will face tax penalties. If you need assistance, call the Marketplace at 1-800-318-2596. You also can work with a Certified Application Counselor or a broker. If you want coverage to start on January 1, 2015, purchase your coverage no later than December 15, 2014.

If you purchased insurance through the Marketplace last year, in many cases you will be automatically re-enrolled for 2015. You will receive notice from the Marketplace and your insurance carrier if you will be automatically renewed.

You also can shop for a new plan. If your income or household size has changed, you will need to report that to the Marketplace so you get the right premium tax credit. If you do not update this information, you will get the same tax credit as in 2014. If your income has gone up or your household size changes and you do not report these changes to the Marketplace, you may owe money when you file your tax return in 2015.

If you currently have “charity care,” you are encouraged to sign up for Medicaid. With Medicaid, you will be covered for things like doctors’ visits and medicine. You can sign up for Medicaid at any time of the year.

The Marketplace

The Health Insurance Marketplace is available online, by phone or through an approved insurance broker. It’s designed to help you buy health coverage more easily. You can compare plans side by side, in simple language, and there’s no fine print. You can choose between four levels of health plans—Platinum, Gold, Silver and Bronze—from a variety of approved insurance providers. Each offers different amounts of coverage and different monthly premiums. Only one simple application is required. Now Open! If you live in Michigan, use www.HealthCare.gov to apply for coverage, compare plans and enroll in coverage. .

 

 

Take a few minutes to learn a little,
or a lot, about the New Law.

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Financial Assistance

A surprisingly large number of people qualify for financial help when buying health insurance.

For example, someone who earns up to $45,900 a year, or a family of four earning up to $94,200 a year, qualifies for reduced monthly premiums or a tax credit at the end of the year.

By using one of several good calculators that are available, you can estimate how much assistance you may obtain—before you even visit the Marketplace site (www.HealthCare.gov). However, the Marketplace will let you know the exact assistance you can expect.

Financial Assistance Calculator

One very simple calculator can be found at Get Covered USA: http://www.getcoveredamerica.org/calculator/

Premium Assistance for Coverage in Exchanges

This tool estimates health insurance premiums and subsidies for people purchasing insurance in the Marketplace. It was developed by the Kaiser Family Foundation. You can enter different incomes, ages and family sizes to estimate your eligibility for subsidies and how much you could spend on health insurance. For more information, click here.

Financial Assistance Income Chart

Look for your income and household size on this chart to see whether you qualify for financial assistance when purchasing health insurance.

Incomes that qualify for lower costs

To learn if you qualify for lower costs on health insurance coverage, find your estimated 2015 household income and household size on the chart below.

The column on the left tells you if you may qualify for premium tax credits, lower out-of-pocket costs, or low-cost health care through Medicaid.

Number of people in your household
Private Marketplace health plans 1 2 3 4 5 6
You may qualify for lower premiums on a Marketplace insurance plan if your yearly income is between...
See next row if your income is at the lower end of this range.
$11,670-
$46,680
$15,730-
$62,920
$19,790-
$79,160
$23,850-
$95,400
$27,910-
$111,640
$31,970-
$127,880
You may qualify for lower premiums AND lower out-of-pocket costs for Marketplace insurance if your yearly income is between... $11,670-
$29,175
$15,730-
$39,325
$19,790-
$49,475
$23,850-
$59,625
$27,910-
$69,775
$31,970-
$79,925
Medicaid coverage
If your state is expanding Medicare:You may qualify for Medicaid coverage if your yearly income is below... $16,105 $21,707 $27,310 $32,913 $38,516 $44,119
If your stateisn't expanding Medicare: You may not qualify for any Marketplace savings programs if your yearly income is below... $11,670 $15,730 $19,790 $23,850 $27,910 $31,970
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Why Choose Us?

When you compare plans, you’ll be able to see which hospitals are included in each one. Be sure to choose a plan that includes Saint Joseph Mercy Health System so you’ll always have the latest treatment options, leading-edge technology and the region’s top-rated and most experienced physicians.

Call 1-855-SJ-DISCOVER to speak to a financial counselor, or visit healthcare.gov.

For more information from your local hospital, please visit their website:

 

 

 

 

 

 

 

 

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