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There are a lot of moving parts to the new health care law and it affects no two people the same way.  Here are some of the main questions we’ve received over the past few weeks from people like you.

What will happen to the amount I pay for health insurance?

As the new health care law takes effect, the amount you pay depends on:

  • The type of health plan you decided to buy for you and your family.
  • If you can get help from the government to pay for part of your health insurance (otherwise known as a subsidy).

If you get insurance through your job, or if you buy an individual health plan for yourself or your family.

Will my health affect my health insurance coverage?

  • You can buy one of the new health plans starting October 1, 2013, even if you are sick or have had problems in the past.
  • Everyone who applies for health insurance can get coverage.
  • Once you have a health plan, your coverage cannot be canceled if you have a health problem.
  • If you use tobacco, you’ll pay more for your health plan.

Am I required, by law, to purchase health insurance coverage?

Yes. By January 1, 2014, nearly everyone will need to have a health plan. How the new law may change things for you depends on your situation:

Currently don’t have insurance.

  • Most people must have a health plan by January 1, 2014. If you do not, you may have to pay a new tax.
  • You will be able to buy a new health plan between October 1, 2013 and March 31, 2014.

Currently buy your own health insurance.

  • You will need to continue to have insurance or you may have to pay a new tax.
  • You’ll have choices of new health plans.
  • You may be able to get help paying for part of your health plan.

Currently have a health plan through my job.

  • You probably won’t need to do anything. Most companies will continue to offer insurance.

Did You Miss the March 31st Health Insurance Open Enrollment Deadline?

There still may be time to get covered.