ObamaCare or Affordable Care Act
- 2010: The law passed made significant changes to the way health insurance will be provided
- 2012: The Supreme Court confirmed the constitutionality of the individual mandate
- 2014: Implementing the new health insurance options in the ACA
Some of the major changes
- Required to have public or private health insurance or pay a financial penalty
- Expansion of Medicaid, financial assistance and cost-sharing reduction programs
- Small Business Tax Credits
- Medicare Improvements
The penalty for not having health coverage
-
Percentage of family income above the tax filing threshold:
- 2014: 1% or $95 per adult and $47.50 per child
- 2015: 2% or $325 per adult and $162.50 per child
- 2016 and beyond: 2.5% or $695 per adult and $347.50 per child
Eligible to enroll in coverage
- Be a citizen or lawfully resident in the United States
- Not be incarcerated
- Be a resident of the state in which one wants to purchase insurance
Three consumer paths to health insurance through Covered California
- Path 1: At or below 138% FPL: Medi-Cal
- Path 2: Between 139%-400% FPL: Financial Assistance
- Path 3: Over 400% FPL: Eligible for a health plan
Why choose PHP Insurance Services?
- Great protection at great price with multiple choices
- Extensive experience, utterly reliable
- High quality services and support 24/7
ObamaCare Enrollment
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