Expert simplifies Affordable Care Act marketplace for consumers
Patrick Center September 30, 2013 | WGVU “The best way to get started is to go out and start getting educated.”
Lisa DeMoss is a Thomas M. Cooley Law School professor who’s read the Affordable Care Act. She’d does recommend you do the same. Instead, start by logging onto Healthcare.gov. There’s also a toll free number you can call: 1-800-318-2596.Step two is to find the plan fits your family’s needs.
“It will depend on how much you want to pay. It will depend on whether or not members of your family have a particular condition or chronic disease that requires constant attention.”
DeMoss says to make sure the benefits cover the maximum scope of coverage and that preferred doctors and hospitals are in the networks supported by the plan you choose. And, there’s financial help, too.
“Based upon a determination of projected annual household income, you are probably eligible as an individual or as a family for premium subsidy…And the premium subsidies are available for individuals who are at the federal poverty level which is about $45,000 this year for individuals. And it goes all the way up to individuals making 400% of the federal poverty level. If you have a large family, let’s say there are eight people in your family, you could be making $158,000 a year as a household and still qualify for premium assistance.”
The final step is filling out an application for enrollment.
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