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Affordable Care Act: Affordable Care Act

Enroll in the Health Insurance Marketplace

The Open Enrollment period for 2015 coverage is November 15, 2014 to February 15, 2015December 15, 2014 is the last date to enroll for coverage that starts January 1, 2015.

If you haven’t enrolled in coverage by then, you generally can’t buy Marketplace health coverage for 2015 until the next Open Enrollment period.

If you’re enrolled in a 2014 Marketplace plan, your benefit year ends December 31, 2014. To continue health coverage in 2015, you can renew your current health plan or choose a new health plan through the Marketplace during the 2015 Open Enrollment period.

If you don’t have health coverage during 2015, you may have to pay a penalty, which is higher than it was in 2014 — 2% of your income or $325 per adult/$162.50 per child, whichever is more.  You'll pay the penalty on your 2016 income taxes.

You can apply for health coverage in the Marketplace 4 ways: 

HealthCare.gov  New Jesey did not create a state specific insurance marketplace, so NJ residents will use this federal site to select and enroll in a health insurance plan.  Please note that  since 36 states  are sending their residents to this federal marketplace,  there may be delays depending on the amount of traffic to the site.  

Help Center:  HealthCare.gov  To apply by phone, call 1-800-318-2596, 24 hours a day, 7 days a week (TTY: 1-855-889-4325). A customer service representative will work with you to complete the application and enrollment process. 

Recent Changes to the Healthcare.gov website:

  • A new "Hardship Exemtion" was created for individuals with true hardships (e. g. homlessness, being evicted or having shut-off of utilities) so that these people do not have to pay a penalty for not having health insurance.  Please refer to https://www.healthcare.gov/exemptions/
  • A new ""window-shopping" feature that lets prospective customers see health plans and prices in their area, including previously unavailable details such as deductibles and cost-sharing, as well as provider networks.
  • A new "Reset" button allows people who were previously stuck in the system to do away with their old application and start over. To do that, you log into your account, select the application in progress and hit "remove." ; then close  and reopen your web browser, and log back in to start a new application. 
  • To help relieve problems during periods of high user volume, the website now offers a queuing system.  Consumers can request email notifications of when is a good time to come back.

Affordable Care Act: Public Laws and Bill Summaries

The bill summaries below are starting places, but do not contain the complete legislative history of the law.  

Health Care Reform--NYT

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Affordable Care Act Key Features

The Affordable Care Act was passed by Congress and signed into law by the President on March 23, 2010.  On June 28, 2012, the Supreme Court rendered a final decision to uphold the health care law.

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Health Insurance Marketplace

New Jersey has chosen to use the federal health insurance exchange, named the Health Insurance Marketplace, for health insurance rather than implementing a state-based exchange. The federal exchange is located at Healthcare.gov. For Spanish speaking consumers, CuidadoDeSalud.gov is also available.

Trusted Websites

Find Local Help--Get Personal Help Applying for Health Coveragee

The following locations have certified application counselors.

  • South Jersey Family Medical Centers, Address:  1301 Atlantic Ave, Atlantic City, NJ, 08401, Call 609-572-0000; Website: sjfmc.org
  • Atlanticare (Healthplex) has application counselors, in Spanish also Address:  1401 Atlantic Ave, Atlantic City, NJ, 08401:  Call 888-569-1000
  • Center for Family Services; Call 877-922-2377 

 

 

Affordable Care Act FAQS

If you have questions, call  24/7 1-800-318-2596  or Chat Online at healthcare.gov/contact-us..

Please also see

What is the Affordable Healthcare Act?

The Patient Protection and Affordable Care Act, or commonly referred to as Obamacare was passed in March 2010, with the goal of increasing healthcare coverage to more Americans. Read the full text of the law.

When can I apply?

The Open Enrollment period for 2015 coverage is November 15, 2014 to February 15, 2015December 15, 2014 is the last date to enroll for coverage that starts January 1, 2015.

Who can apply?

    You must live in the United States.

     You must be a U.S. Citizen or National (or lawfully present) See more information about Immigration status

     You cannot be currently incarcerated

 

What do I need to apply?

        Social Security Numbers (or document numbers for legal immigrants)

        Employer and income information for every member of your household who needs coverage. (Pay stubs, or W-2 forms)

        Policy numbers for any current health insurance plans covering members of your household.

        Completed Employer Coverage Tool for every job-based plan you or someone in your household is eligible for.

Where can I go if I have more questions?  Assistors will be available to help in filling out applications. Locate local help

For more information, call 1-800-318-2596 or visit www.healthcare.gov.

Where can I go to file a complaint about insurance in New Jersey?

You can visit the New Jersey Department of Banking and Insurance at:  http://www.state.nj.us/dobi/consumer.htm#insurance or call the department at: 609-292-7272.  

 

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