The Affordable Care Act is 1,224 pages of healthcare reform. You don’t have to read it all to find that a key part of it is the online marketplace, a place to shop for the required medical coverage that’s right for you.
If you’re part of the 52 percent of Kansans who have insurance through your employer, the 30 percent enrolled in Medicare or KanCare, or the 5 percent with private insurance plans, you don’t need to do anything.
The online marketplace is geared toward 365,000 uninsured Kansans. If you are uninsured, you can choose your plan on healthcare.gov starting Tuesday.
The average Kansan will have 37 health plans to choose from, but pricing info will not be available until Tuesday. The more you pay for a premium, the less you pay out of pocket and vice-versa.
Catastrophic plans will be available to those under 30 and some low-income people. Based on your income, you could receive a tax credit.
But what if you can’t go online, call, or mail your signup Tuesday? Do not worry. You do not have to sign up on Tuesday. In fact, you have six months, or until the end of next March, to sign up if you’re uninsured. With the expected backlog, the state recommends waiting a few weeks to sign up.
And finally, what happens if you stay uninsured? Without an exemption, you’ll pay $95 per adult up to 3, or 1 percent of your household income, whichever is higher, on your 2014 tax return.
If you still have questions, visit insureks.org, the state’s website with information about the new healthcare law.
Consumers can take advantage of the new online Health Insurance Marketplace coverage through a number of resources.
On Your Phone
1-800-318-2596 toll free (TTY: 1-855-889-4325)
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