HEALTH CARE REFORM

HEALTH CARE REFORM: A QUICK OVERVIEW

The Affordable Care Act (ACA) was designed to make health care more affordable and available for all Americans. By setting minimum essential health benefit requirements like maternity care, emergency services and prescription drugs-benefits that are not currently offered on all health plans-and limiting the cost of premiums, health care reform will help people get the coverage they need. This includes people with pre-existing conditions, who will no longer be denied coverage based on their health.

Obamacare helps people get comprehensive coverage that includes hospitalization, preventive and wellness services, pediatric services for oral and vision care, and more. With a few exceptions, people who dont get health insurance will be required to pay a tax penalty for each month they are without coverage.
In 2017 the penalty is:
$695 per person ($347.50 per child under 18) The maximum penalty per family using this method is $2,085. or
2.5% of your yearly household income whichever is greater

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Remember, a consumer’s individual situation will be the key driver of what they will pay for coverage under the obamacare. Subsidies will be available in the marketplace to lower the cost of coverage for eligible individuals, and the amount an individual will pay could vary significantly once his or her specific age, area in which they live, smoking status, family size, and income are factored in.

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