Health Care Reform

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Obamacare 101

Everything you need to know about the rollout of the Affordable Care Act, in one place.

Get started with the subsidy calculator, and see if you qualify for financial support with your health coverage in 2014 and beyond.

Who Is Eligible?
Strictly speaking, everyone is eligible to benefit from health care reform, however, not everyone is eligible for the subsidies which form the core of the Affordable Care Act.

What Types Of Plans Are Available?
If you choose to purchase health insurance through a state exchange or the federal marketplace, you will have several choices of health plans available to you, depending on the coverage level you require, and how much you wish to spend per month.

What Are The Essential Benefits Of The New Health Plans?
Starting on January 1st, 2014, all new individual, family, and small business health plans are required to cover ten essential benefits under the Affordable Care Act.

Preventive And Wellness Care Services
Along with the ten essential benefits that all health plans must cover starting January 1st, 2014, there is a large number of non-essential benefits, including preventive and wellness benefits, that are provided at no cost to you.

How Do The Health Insurance Subsidies Work?
Many individuals and families looking for health insurance in 2014 will qualify for financial assistance with their premiums under the Affordable Care Act. Let's have a look at how these subsidies work, and who will qualify.

What Are The Penalties For Not Having Insurance?
Starting in 2014, those who do not purchase a minimum-benefit health insurance plan, either through their employer, or on the open market, will have to pay a tax penalty to the IRS. While these penalties are relatively small in the first year, they increase drastically in 2015 and 2016.

Important Dates For Those Buying Health Insurance in 2014
The Administration has recently extended the deadline for everyone to buy insurance in 2014 in order to avoid tax penalties for lacking minimum standard coverage.

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