What do you need to know about the Affordable Care Act (aka ObamaCare, the health care reform law, health care reform, ACA, PPACA)?
ObamaCare will change many things about the way employers offer health care and how individuals get health care. So, chances are most will be impacted either directly or indirectly.
Here are 10 tweetable ObamaCare questions, answered in 140 characters or less. This is geared toward those who are uninsured or who buy their own health insurance plan now, because if you get coverage through work, you're likely covered.
1. Is ObamaCare really happening?
Yes. Tweet this answer!
2. Do I need to have health insurance in 2014?
Next year you must have health insurance, or pay a penalty. There are exceptions, but these won’t apply to most people. And, most people are already covered by health insurance. Tweet this answer!
3. Do I have to change health insurance plans?
It depends on your coverage now. You’ve probably already received a notice from your insurer. If you have a skimpy plan, you'll probably need to change. Tweet this answer!
4. How much will new health insurance cost?
It depends. For older people, a new plan may cost less. Younger people may pay more. If you earn less than $46,000 you may get a discount. Tweet this answer!
5. Can I get coverage if I have a medical condition?
Yes. Insurers can no longer deny you coverage due to health reasons. If you've had trouble getting coverage because of health, this is now a thing of the past. Tweet this answer!
6. How long can I keep my kids on my plan?
Your children can be on your policy until they’re 26. But compare the cost of individual coverage for them (especially if the can get a subsidy) - it may be cheaper. Tweet this answer!
7. Can I enroll in coverage anytime?
No. There's a limited time frame. So if you don’t have insurance, don't wait until you need it. If you need coverage, sign up between Oct. 1 and mid-March. Tweet this answer!
8. How do I shop for individual insurance?
There is a new way to compare and sign up for individual insurance. Each state has a new online marketplace. Confused? Get a health insurance agent to help. Tweet this answer!
9. Will I qualify for a discount on health insurance?
If you make up to $45,950 ($94,200 for a family of four) you may get a subsidy that will reduce your premiums. Tweet this answer!
10. Will I qualify for Medicaid?
If you make less than $15,856 ($32,499 for a family of four) you likely will qualify for Medicaid, the federal-state plan that has been greatly expanded in many states. Tweet this answer!
Help us get to 20! What ObamaCare Q&A's would you add?
Add to the list by tweeting us at @ZaneBenefits or leave a comment below.