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Changes in 2014


  • Statewide insurance marketplaces offering more options that resemble Expedia for health insurance.
  • Starting October 1, 2013, you can use the Marketplace to:

    • Compare health plans to pick the best one for you and your family
    • Find out if you qualify for tax credits that help lower the cost of your health insurance
    • Find out if you qualify for government programs, like Medicare, Medicaid, and the Children’s Health Insurance Program.
  • Check out the Health Insurance Marketplace tab for more information!

Tax Credits

  • Uninsured individuals who earn between 133% and 400% of the federal poverty level will be eligible for tax credits to help with the cost of insurance through the Marketplace. This would mean a monthly income between $1,238-$3,723 for a single individual or between $2,116-$6,363 for a family of three.
  • Look here to see what income levels will be eligible

Medicaid Expansion

  • Medicaid Expansion: the Supreme Court’s ruling on the ACA allows states to opt out of the law’s Medicaid expansion, leaving the decision to extend Medicaid, or coverage for low-income adults, up to states.
  • Maryland and D.C. have both opted to expand Medicaid. Virginia is currently undecided on Medicaid expansion.
  • Look here to see what income levels will be eligible:

No More Pre-Existing Conditions

  • No more discrimination – everyone who wants to buy care can, and they can’t be charged more for based on health, gender, etc.

The New Health Care Law and Immigrants

Individual Mandate

  • The new health law says that health insurance will be required starting January 1, 2014. That means everyone must get or have health insurance.
  • If you currently get your insurance through a large employer, your health insurance coverage only changes if your employer chooses to change it. You can keep the coverage you have and still see the same doctor.
  • If you currently get your insurance through a small business, the law creates opportunities for your employer to purchase higher quality and more affordable health insurance coverage.
  • If you are currently enrolled in Medicaid, you will be able to keep your Medicaid coverage as long as you are still eligible.
  • If you are currently enrolled in Medicare, you will be able to keep your Medicare coverage.
  • The IRS will send you a reminder about the new law. You may have to pay a fine. If you do not get health insurance, the amount of the fine will go up every year.
  • You may not have to pay a fine if:
    You cannot find insurance that costs less than 8% of your household income,
    You are a Native American, religious objector, or in prison, or
    Your income is low but you do not qualify for any government program.