There is a clear answer to this question: If you do not have health insurance, it is time to get covered.
It may seem like a daunting process, but thanks to GoHealth, registration can be simple and fast. GoHealth is a private exchange where you can compare plans, learn more about health insurance options, and even purchase the most appropriate coverage for you and your family.
It is time to join a health plan because it is the law. Law on the Protection and Affordable Care patients (ACA), also known as reforming health care or Obamacare, entered into force in 2014, requiring most Americans to have health insurance .
Maybe life got in the way. Maybe you were simply not aware of the individual mandate that requires you to have coverage. Or maybe, your job or marital status changed and you are now without insurance you need. Whatever your reason, this is your chance to put it aside and purchase your plan.
If you do not get the cover? You could face a fine. If you are required to have health insurance (most Americans are) and you do, you may be subject to a penalty tax. In 2015, the fines will be equal to two percent of income or $ 325 for each adult and $ 162.50 for each child, whichever is greater.
This penalty will only go up. The tax penalty will more than double in 2016 and continue to increase each year after that. The law allows a period of coverage. If you are uninsured for less than three months during a period of time, you will not be fined.
Like most rules, there are exceptions. The ACA provides some Americans to carry health insurance plans. If you live below the poverty line, are a member of certain denominations, or are a member of a clearinghouse for sharing health care ministries to share medical expenses, you may not be necessary to have a blanket.
If you have insurance through your employer, Medicaid, Medicare or CHIP, you are covered. Breathe deeply and take full advantage of all the benefits offered by your plan, such as screening for blood pressure, nutrition counseling, and vaccines against flu.
action today. Open Enrollment begins November 15 and runs through February 15, 2015. Prior to this, you can prepare by gathering all the information you need, make a list of questions and the benefits that will serve you and your family the better.
Make a plan for your plan. Set a calendar reminder or cell phone alarm for November 15, and light enough time to learn about your options and talk through your options with a licensed counselor so you do not feel press. This is an important decision, not only to comply with the law, but taking care of your family and yourself.
Once you are covered, set aside your concerns about fines and worry if someone in your house gets sick or injured. Know your plan and the benefits it offers. And take note of important dates for registration, all relevant websites and phone numbers of your doctors and health care providers.
Finally, take a healthy commitment to you and your family to get and stay covered and to avoid fines, so you do have to ask this question again.
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