The New Law The Affordable Care Act (ACA) requires everyone legally living in the U.S. to have health insurance beginning January 1, 2014. And it also gives millions of individuals with too little OR no insurance, access to health plans at different cost levels. The law also provides financial assistance to those who qualify based on family size and income. Beginning October 1, 2013, you will be able to shop at a new online Health Insurance Marketplace, also known as an “Exchange”, where you can one-stop-shop for a plan that fits your budget and coverage needs. We’re here to help you learn about the law and how to select the right plan for you and your family.
What Will the Plans Cover? Coverage will include doctor visits, hospital stays, wellness care, prescriptions, emergency services, maternal and newborn care, pediatric care and more. In fact, Ten Essential Health Benefits must be covered in every plan and certain Preventive Care services will be provided at NO additional cost to patients. Also, patients cannot be turned away due to pre-existing conditions, as has been the case in the past.
Sign Up Begins October 1, 2013 If you do not have health insurance, you are required to sign up during open enrollment, from October 1, 2013 to March 31, 2014. You can shop for plans by phone, through a broker, at on-site enrollment locations, or at the online Health Insurance Marketplace, where you can easily compare benefits and costs. If you choose not to enroll for insurance, the law states that you will face tax penalties.
Take a few minutes to learn a little, or a lot, about the New Law.
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The New Marketplace The Health Insurance Marketplaceis available online, by phone, or through an approved insurance broker, and it’s designed to make buying health coverage easier by comparing plans side by side, in simple language and with no fine print. You will be able to choose between four levels of health plans – Platinum, Gold, Silver, and Bronze – from a variety of approved insurance providers, and each will have different amounts of coverage and different monthly premiums. Only one simple application will be required.
How to access the Health Insurance Marketplace Call 24 hours a day, 7 days a week: 1-800-318-2596 (TTY: 1-855-889-4325)
Learn more about the Marketplace in English or Spanish.
What is the Health Insurance Marketplace?
El Mercado de Seguros Medicos
Financial Assistance Starting in 2014, a surprisingly large number of people will qualify for financial help. For example, an individual earning up to $45,900 a year, or a family of four earning up to $94,200 a year, will qualify for a reduction of their monthly premiums, or a tax credit at the end of the year. The calculator and chart on this page will give you a good idea of how much assistance will be available. Once you apply at the Marketplace, you will find out the exact amount.
Financial Assistance Calculator Insert your information below to see if you qualify for assistance.
Financial Assistance Income Chart Look for your income and household size on this chart to see if you qualify for financial assistance.
Why Choose Us? Saint Joseph Mercy Health System brings leading edge technology and compassionate care close to home for southeast Michigan patients and their families. When you compare plans, you'll be able to see what hospitals are included in each one. Make sure you choose a plan that includes Saint Joseph Mercy Health System so you'll always have the latest treatment options and physicians from some of the nation's finest medical schools.
For more information from your local hospital, please visit their website: