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Obamacre FAQs - Obamacare Obamacare

Obamacre FAQs

1. What is Obamacare?
Obamacare is a unofficial name for the Patient Protection and Affordable Care Act which was signed into law by President Barack Obama in 2010.

2. Is Obamacare health insurance
No, Obamacare helps individuals get health insurance at an affordable rate.

3. How much does the insurance cost?
The premiums are based on household size & income. People with lower incomes pay lower premiums. Some receive the insurance for very low fees and some do not pay at all.

4. What kind of plans can I get?
All of the plans must provide you with essential health benefits.

5. What are the essential health benefits?
There are 10 essential health benefits:
In and Outpatient Care, Maternity, Emergency Room, Prescription Drugs, Lab Tests, Mental Health & Substance Use Treatment, Physical & Occupational Therapy,
Preventive & Pediatric Services.

6. Is dental covered?
Dental & Vision is covered for children only.

7. What is a subsidy?
A subsidy is the premium tax credit which lowers your monthly premium.

8. What is cost sharing?
Cost Sharing is what reduces your out of pocket for deductibles, coinsurance & copayments.

9. Is health insurance mandatory?
You must either have a qualified health plan or prove you qualify for an exemption.

10. What are the tax penalties?
2016 tax penalties are the higher of these amounts:
2.5% of your household income or
$695.00 per adult $347.50 per child with a maximum penalty per family would be $2,085.00.

If you have any other questions, please do not hesitate to call or email me.

Call:  561-300-6612

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