AGATA CZERWOSZ PRZEDSTAWIA INFORMACJE NA…
Cennik i warunki zakupu planów ubezpieczeniowych znaleźć można na stronie www.getcoveredillinois.gov lub www.healthcare.gov . Informację i pomoc można uzyskać dzwoniąc również do Agaty pod numer 773 600 7474
Osoby, które chcą mieć ubezpieczenie od 1 stycznia, muszą je wykupić do 15 grudnia. Szacuje się, że w Illinois bez ubezpieczenia medycznego pozostaje 1 milion 800 tysięcy mieszkańców.
Can I Forgo HEALTH INSURANCE?
People will be asked to prove they have insurance or pay a fine when they fill out their 2014 federal income taxes in early 2015. If you’re not insured by that time, you will pay a yearly penalty, which will start out low and then climb yearly. The first year, people with face the greater of $95 or 1 percent of 2014 household income, but that would increase over the next few years, to $325 per uninsured person or 2 percent of household income over the filing threshold for 2015 and $695 per person, or 2.5 percent of household income, in 2016.
If I’m self-employed, how does it work?
You may sign up for a health insurance plan offered on the Illinois Health Insurance Marketplace, beginning October 1st and concluding March 31st, 2014. If you want coverage to begin on 1/1/2014, however, you must enroll by December 15th this year. If you earn up to 400% of federal poverty – or $94,000 for a household family of four – you are eligible for a federal subsidy and tax credits to help pay for your coverage.
What is the federal poverty level? “modified adjusted gross income” (MAGI)
In 2013, the federal poverty level is $11,490 for an individual and $23,550 for a family of four. Four times the poverty level amounts to $45,960 for an individual and $94,200 for a family of four. One’s “modified adjusted gross income” (MAGI) is the benchmark; that includes wages, salaries, tips, capital gains, and other income, minus contributions to flexible spending accounts and retirement plans, and certain deductions.
Does the amount of the tax credit vary with income?
Yes. People living at between 100 and 133 percent of poverty level will pay at most 2 percent of their income for health insurance, while those at between 300 and 400 percent of the poverty level will pay a maximum 9.5 percent of their income. There is a sliding scale for incomes in between, as laid out in the chart in this report.
The cost of the premium is based on the “silver plan” – the second-lowest-cost health plan of four that are offered in each exchange. The silver plan covers 70 percent of health-care costs. The least-expensive plan, bronze, covers 60 percent. The gold plan covers 80 percent, and the platinum plan covers 90 percent.
So how much will insurance end up costing after the subsidy?
That will depend on where you live, how much you make, and which plan you choose. The nonprofit Kaiser Family Foundation presents the example of Pat, who is 45 and will have a 2014 income of $28,735 (250 percent of poverty). The “silver plan” in Pat’s area is expected to cost $5,733. But under the ACA, Pat would pay at most 8.05 percent of income on health insurance, or $2,313 ($192.74 a month). So Pat’s tax credit is $3,420.