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Short Term Medical Insurance GA, Medicare Supplement Georgia, Employee Benefits Broker Georgia, Disability Insurance Georgia, Atlanta Insurance Broker - Heart of Georgia Insurance Brokers in Macon and Atlanta Georgia

PPACA (ObamaCare) Simplified Explanation

Most importantly, know that Heart of Georgia Insurance can help you with your health insurance needs both on and off the Marketplace.

ObamaCare doesn't create health insurance; it regulates the health insurance industry in hopes of increasing quality, affordability and availability of private insurance.

Most people who currently have health insurance can keep it.

Young adults can stay on their parents plan until 26.

If you don't have coverage, you can use the new Health Insurance Marketplace or buy a private insurance plan. Either way,Heart of Georgia can help!

Open enrollment in the Health Insurance Marketplace starts again on November 15, 2014.

Insurance purchased by the 15th of each month will start on the first of the next month.

If you did not obtain coverage by April 1st, 2014 you must pay a per-month fee on your federal income tax return for every month you are without health insurance.

In 2014 the penalty is $95 per adult or 1% of income, whichever is higher. The family max is $285.

After the open enrollment period, eligibility requirements will be based on qualifying events such as:

-Loss of employer coverage

-No longer a dependent

-Divorce from policyholder

-Birth or adoption


-Loss of eligibility for health insurance exchange subsidies

-Renewal of a pre-ACA plan during 2014

-Minimum Essential Coverage


-COBRA expiration

-Return from active military service

-Release from incarceration

-Court Order or Chapter 11

The cost of your marketplace health insurance works on a sliding scale. Those who make less, pay less. Heart of Georgia can help!

American making less than $45,960 as individual or $94,200 as a family of 4 may be eligible for subsidies through the marketplace.

If you are able to get qualified health insurance through your employer you won't be able to receive marketplace tax credits.

You don't have to use the marketplace to buy insurance, private plans are also available. Heart of Georgia can help!

The ACA does away with pre-existing conditions and gender discrimination so these will no longer affect the cost of your insurance on or off the marketplace.

You can't be denied health coverage based on health status or dropped from coverage when you are sick.

Health Insurers can't place annual limits or lifetime limits on your coverage.

All new plans sold on or off the marketplace must include a wide range of new benefits including wellness visits and preventative tests and treatments at no additional out-of-pocket cost.

All full-time workers who work for companies with over 50 employees must be offered job based health coverage by 2015. Employers who do not offer coverage will pay a per-employee penalty.

Medicare isn't part of the marketplace. If you have Medicare keep it!

For individual assistance with health insurance or for free quotes, contact Heart of Georgia Insurance or click on the "Online Quote" button on our home page.