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Money May Not Buy You Health Insurance

September 30, 2013
Plain English Version

The new program to sign Americans up for health insurance (Obamacare) begins Tuesday, October 1, 2013.

If you have health insurance sit back and enjoy the weather. Changes in employer health insurance plans are coming, but mostly down the road.

If you do not have health insurance now, is the time pick an insurance program through a health exchange in your state. Which state you live in will matter.

Lower income Americans (undocumented people are not covered by Obamacare) are eligible for subsidies to pay their heath insurance premium. They just have to pick the coverage they want and the company that will insure them. It sounds simple, it is not.

You may live in a state that chooses not to increase its Medicaid program. For people in those states, some will have incomes too low to qualify for premium subsidies. And with incomes too high for that state’s Medicaid program.

The Affordable Care Act was passed with a new Medicaid plan in place for all the states. The Supreme Court allowed the states to choose whether or not to join the new Medicaid program.

For people in those states that choose not to a gap opened up that will leave some people and families without coverage. How to get help with health care in those states can be found here.

As we go to press, Congress is deciding whether to continue funding the country. Republicans want to delay the Affordable Care Act for a year. Democrats are for going full steam ahead.

People will be shut out of health insurance for having incomes too high for Medicaid and too low for subsidies. The good news is those people will not be penalized for not having health insurance!

Source: The New York Times

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