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The Affordable Care Act: What Happens After October 1, 2013?

As of October 1, you will be able to investigate your enrollment options for health insurance provided in an online insurance mall called a “Marketplace.” Depending on your current health insurance eligibility through your employer, your income, and your employment status, your costs may vary, and you may be eligible for subsidies to pay for this insurance.

  • How will you know? As of October 1, 2013, but not before, you will be able to go to www.healthcare.gov and start your investigation by clicking on “Get Insurance.” Before that time, you can find out some background information there, including how the new law might apply to you, and what places in Michigan you can find more information and assistance. For a preliminary look at some options, you can go to the questionnaire at
    https://www.healthcare.gov/quick-answers/#step-1

On October 1, 2013, you should be able to apply

  • By Mail
  • By Phone at 800-318-2596
  • Online at www.Healthcare.gov Si necessita informacion en espanol https://www.cuidadodesalud.gov/es/
  • In Person, using the services of a certified Navigator or Certified Application Counselor (info available October 1 and after—watch this space for more details)

In order to start the application process, or to see what you might be eligible for, and what costs could be, you will need to gather the following information:

For Individual Applicants:

  • Social Security Number (SSN) or Document Number if Legal Immigrant
  • Employer and Income Info from W-2 or Pay Stub, Including Federal Employer Identification Numbers (FEIN)
  • Information about Any Job-related Health Insurance
    * A Completed Employer Coverage Tool

For Family Applicants

  • Social Security Numbers (SSN) or Document Numbers if Legal Immigrants for Applicant, Spouse, and All Qualifying Dependents under 26
  • Employer and Income Info from W-2 or Pay Stub, Including Federal Employer Identification Numbers (FEIN) for Each Family Member
  • Policy Numbers for Any Current Health Insurance
  • Information about Any Job-related Health Insurance Available to Any Family Member
    * A Completed Employer Coverage Tool for Each Family Member

Other Recommended Online Publications and Resources
The Library of Michigan’s Health and Wellness Gateway has a set of resources on the Affordable Care act at http://mel.org/index.php?P=SPT—BrowseResources&ParentId=984

The Michigan Department of Financial and Insurance Services (DIFS) has put together this page of information: http://www.michigan.gov/difs/0,5269,7-303-12902_35510-279964—,00.html

Kaiser Family Foundation has a page of resources on different aspects of implementation of health reform legislation at www.kff.org/Health-reform including how Michigan stands in implementation at http://kff.org/health-reform/state-profile/state-exchange-profiles-michigan/ as well as a tool that will help you determine how much insurance will cost for you

The Department of Health and Human Services has information on how Michiganders are impacted by the Affordable Care Act athttp://www.hhs.gov/healthcare/facts/bystate/mi.html

Emory University Health Literacy Research Center put together” an excellent resource on other types of insurance you might be eligible for in addition to Marketplace insurance, including Medicare, TriCare, and others. It also has a discussion on how health insurance works, with a glossary of terms.

This page from the Michigan Department of Financial and Insurance Services (DIFS) talks about different types of health coverage that exist.http://www.michigan.gov/difs/0,5269,7-303-12902_35510-263908—,00.html

Books in the library collection about the law itself include:
Patient Protection and Affordable Care Act; Health Care and Education Reconciliation Act of 2010 : text of P.L. 111-148, as signed by the President on March 23, 2010; text of P.L. 111-152, as signed by the President on March 30, 2010 : JCT technical explanation of P.L. 111-148 and P.L. 111-152..

Getting it done : how Obama and Congress finally broke the stalemate to make way for health care reform by Thomas Daschle.

Two thousand ten tax legislation [2010 ed.][: patient protection and affordable care, health care reconciliation, HIRE and other recent tax acts : law, explanation, and analysis, published by Commerce Clearinghouse, Incorporated.

I have a business. How can I select insurance for my business?

There will be a marketplace called the Small Business Health Options Program, or SHOP. As of October 1, 2013, you will be able to start researching and selecting plans for your business.
This is a sheet of information of things to consider in evaluating plans for your business.

THIS IS STILL CONFUSING AND I NEED HELP! HOW CAN I GET IT?

This describes online and phone assistance that you can get in your application process : https://www.healthcare.gov/how-do-i-get-help-enrolling-in-the-marketplace/

There will be also people who are trained and certified to help you. Watch this space for details. As soon as information is available on how you can arrange for this assistance, it will be posted here.

Library staff cannot assist patrons in completing the application or enrollment process, but can provide technology assistance in using the library’s public computers and printers, as well as locating information. They cannot evaluate the merits of a plan for a particular individual, family, or business.

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