Health Insurance Marketplace

The new Health Insurance Marketplace helps uninsured people find health coverage. When you fill out the Marketplace application we’ll tell you if you qualify for:

 Private health insurance plans. We’ll tell you whether you qualify for lower costs based on your household size and income. Plans cover essential health benefits, pre-existing conditions, and preventive care. If you don’t qualify for lower costs, you can still use the Marketplace to buy insurance at the standard price.

 NJ FamilyCare/ Medicaid: These programs provide coverage to millions of families with limited income. If it looks like you qualify, we’ll share information with the state agency and they’ll contact you. The state of New Jersey expanded Medicaid which will allow covering more people in 2014.

Some states operate their own Marketplace. In some states, like New Jersey, the Marketplace is run by the Federal government.

 Most people must have health coverage in 2014 or pay a fee. If you don’t have coverage in 2014, you’ll have to pay a penalty of $95 per adult, $47.50 per child, or 1% of your income (whichever is higher). The fee increases every year. Some people may qualify for an exemption to this fee (see sample of exemptions). If you enroll by March 31, 2014, you won’t have to pay the fee for any month before your coverage began.

 You’re considered covered if you have Medicare, Medicaid, CHIP, any job-based plan, any plan you bought yourself, COBRA, retiree coverage, TRICARE, VA health coverage, or some other kinds of health coverage.

 If you’re eligible for job-based insurance, you can consider switching to a Marketplace plan. But you won’t qualify for lower costs based on your income unless the job-based insurance is unaffordable or doesn’t meet minimum requirements. You also may lose any contribution your employer makes to your premiums.

 If you have Medicare, you’re considered covered and don’t have to make any changes. You can’t use the Marketplace to buy a supplemental or dental plan.

 Enrollment deadlines

SJFMC and the Affordable Care Act

 

Open Enrollment for 2016 coverage starts October 15, 2015 Certified Application Counselors are ready to assist you today! Contact us at: (609) 567-0200  or sharine.davis@sjfmc.org.

 

 

Important: Marketplace Open Enrollment ended March 31. You can still buy a Marketplace health plan only if you qualify for a special enrollment period. You can apply for Medicaid and CHIP any time. Find out if you qualify for a Special Enrollment Period or Medicaid and CHIP. Some states operate their own Marketplace. In New Jersey, the Marketplace is managed by the Federal government. The Health Insurance Marketplace helps uninsured people find health coverage. Fill out a Marketplace application and we’ll tell you if you qualify for: Private health insurance: Plans cover essential health benefits, pre-existing conditions, and preventive care. Some plans include dental coverage. In other cases, free-standing dental plans are available. Lower costs based on your household size and income: You can preview plans available in your area right now, with prices based on your income and household size. Most people who apply will qualify for lower costs. NJ FamilyCare/ Medicaid. These programs cover millions of families with limited income. If it looks like you qualify, we’ll share information with the state agency and they’ll contact you. Many but not all states are expanding Medicaid to cover more people. Find out what Medicaid expansion means for you. Starting in 2014 if you don’t have coverage you’ll have to pay a penalty either 1% of your income, or $95 per adult ($47.50 per child), whichever is higher. You'll pay the fee on your 2015 income taxes. Some people qualify for an exemption from the fee, based on income or other factors. You’re considered covered if you have Medicare, Medicaid, CHIP, any job-based plan, any plan you bought yourself, COBRA, retiree coverage, TRICARE, VA health coverage, or some other kinds of health coverage. If you’re eligible for job-based insurance, you can consider switching to a Marketplace plan. But you won’t qualify for lower costs based on your income unless the job-based insurance isn't considered affordable or doesn’t meet minimum requirements. Please be aware that if you have Medicare, you’re considered covered and don’t have to make any changes. You can’t use the Marketplace to buy a supplemental or dental plan. You can call the Health Insurance Marketplace 24 hours a day, 7 days a week: 1-800-318-2596 (TTY: 1-855-889-4325) or go to www.healthcare.gov

 

 

href="/sites/default/files/userfiles/SJFMC_February_Calendar.pdf">Check our calendar of eventsBasic Health Insurance Terms
Type of Health Insurance Plans