Open
enrollment for the New York State Health Exchange begins October 1, 2013.
Coverage begins January 1, 2014. The Health Insurance Marketplace will help you
get affordable health insurance that meets your needs and fits your budget. The Affordable
Care Act has made it possible to get lower cost insurance even if you have
a pre-existing condition. Specially trained Navigators will be available to assist
you in enrolling starting in October. New York State residents must enroll
through the New York Health Benefit Exchange at http://www.healthbenefitexchange.ny.gov/.
You can get
help enrolling by calling (585) 325-2525 or online via web chat at www.healthcare.gov or www.cuidadosalud.gov. In October you can
get in person help from a Navigator. On the exchange, you can compare plan
choices based on price, provider network, or quality score. Before selecting a
plan, insure that your current physicians are a part of the plan and that all
of your medications are included in the formulary.
All health
insurance options will offer a comprehensive array of services. Preventative
services will be offered at no cost to you. You will not be denied health
insurance on the basis of a pre-existing medical condition.
If you earn
less than $45,960 as an individual or $94,200 for a family of 4, you may be
eligible for financial assistance to make coverage affordable. A Family of four
with less than $24,000 in income, will receive Medicaid. Individuals opting out
of the Program will receive a $95 penalty. The President has delayed the
enforcement of the mandate for large employers for 12 months. In most states,
if your income is between $24,000 and $96,000 you will quality for a subsidy.
There are
four levels of coverage being offered: Bronze, Silver, Gold, and Platinum. In
order to qualify for the tax credits, you must be in enrolled in at least a Silver
Plan. Bronze plans will not receive tax credits.
Lifetime Financial
Group will host a FREE Seminar to cover details of the Affordable Care Act.
Click here for details and to register.
© Carmen Coleman, President and CEO
Lifetime Financial Group, LLC
30 W. Broad Street, Suite 300
30 W. Broad Street, Suite 300
Rochester, NY 14614
(585)325-2525
