Am I covered under the Affordable Health Care Reform Act?
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If you are an individual adult, the Affordable Health Care Reform Act can mean different things to you depending on your circumstances. Health Care reform legislation requires almost all individuals to have health insurance by 2014.
It can be through an individual, government or employer sponsored plan. As long as your plan meets the minimum essential coverage under the Affordable Care Act you should be fine. If your health plan doesn't meet minimum essential coverage you don't qualify as covered in 2014.
If you only have the following types of coverage below, you may have to pay a penalty:
- Coverage only for vision care or dental care
- Workers compensation
- Coverage only for a specific disease or condition
- Plans that offer only discounts on medical services
Q. If I currently have employer sponsored health insurance, will I have to change it?
A. If you have health insurance through your employer and you like it you can keep it because you are considered covered. You may be able to change to Health Insurance Marketplace coverage if you want to though. Any individual health insurance plan or Health Insurance Marketplace insurance qualifies as minimum essential coverage. You do not need to change to an individual plan in order to avoid the health insurance penalty that uninsured people may have to pay in 2014. You should consult with your employer before you decide to make a change regarding your health insurance needs if you are covered through your employer.