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Affordable Care Act New Protections & Coverage Options for Consumers. The Law Increases Your Access to Affordable Care In many cases, you can get preventive services for free:. New Health Insurance Options What these changes mean for NJ . MEDICAID EXPANSION Income limits are expanded

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NJ For Health Care/NJ Citizen Action

Affordable

Care Act

New Protections & Coverage Options for

Consumers

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The Law Increases Your Access to Affordable CareIn many cases, you can get preventive services for free:
new health insurance options what these changes mean for nj
NJ For Health Care/NJ Citizen ActionNew Health Insurance OptionsWhat these changes mean for NJ

MEDICAID EXPANSION

Income limits are expanded

More people will qualify for

NJ FAMILY CARE

You can be working and still qualify

Individuals who earn up to $15,856

Family of 4 earning up to $32,499 can qualify

not eligible for medicaid
NJ For Health Care/NJ Citizen ActionNot eligible for Medicaid?

SHOP the

HEALTH INSURANCE MARKETPLACE

- Apply for coverage

- Apply for subsidies to help reduce

the cost of premiums

Who qualifies for subsidies?

Individuals up to $45,960

Family of four up to $94,200

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You can purchase on the Marketplace if….

  • You are an individual, family or small business not eligible for coverage through someone or someplace else (like an employer)
  • You are a citizen or legal immigrant
    • Everyone enrolling in the exchange must verify legal status
  • You are a member of Congress:
  • The ACA requires them to use the Exchange
catastrophic coverage option
NJ For Health Care/NJ Citizen ActionCatastrophic Coverage Option

AN ALTERNATIVE OPTION FOR:

  • Young adults to age 30
  • Or those with hardship exemption
    • Unable to purchase coverage that is <8% of income

Plans offer:

    • Limited coverage at low cost with high deductibles
what will coverage cost
NJ For Health Care/NJ Citizen ActionWhat will coverage cost?

If you qualify for a subsidy….

Your premium contribution

will be less than 10%

of your annual adjusted gross income

two ways to help reduce cost for those who qualify
NJ For Health Care/NJ Citizen ActionTwo ways to help reduce cost for those who qualify

Premium Tax Credits

Cost Sharing Reductions

What is it:

Another layer of assistance for those who earn less will qualify for reduced co-pays and deductibles

Who qualifies?

Individuals with income less than 250% of federal poverty level

$28,725 for individuals; $58,875 for family of 4

  • What is it:

A tax credit based on your reported income

  • How does it work?

Credit is applied to the cost of the premium up front

  • How much will it be?

If you qualify for a tax credit, you premium will be between 2% and 9.5% of your yearly income

apply on line
NJ For Health Care/NJ Citizen ActionApply On-Line

If you qualify for Medicaid Expansion:

apply by phone
NJ For Health Care/NJ Citizen ActionApply by Phone

National toll-free hotline

1-800-318-2596

If you qualify for Medicaid Expansion:

NJFamilyCare

1-800-701-0710

in person enrollment assistance nj navigators
NJ For Health Care/NJ Citizen ActionIn-Person Enrollment AssistanceNJ Navigators
  • Food Bank of Monmouth/Ocean Counties
    • 732-918-2600
  • Center for Family Services (NJ Southern Counties)
    • 1-877-9-ACCESS (1-877-922-2377)
    • navigators@centerffs.org
  • Oranges Navigator Project: (Essex) 973-500-6031
  • Urban League of Hudson/Bergen County
    • 201-451-8888
  • Public Health Solutions (Hudson & Essex)
    • 646-619-6539
    • Navigators@healthsolutions.org
certified application counselors
NJ For Health Care/NJ Citizen ActionCertified Application Counselors
  • Available at:
    • Federally Qualified Health Centers
    • Libraries
    • Community Health Centers
    • Hospitals
    • Community service organizations
    • Some local retailers & drug stores
    • Find the closest Assistor at:

https://localhelp.healthcare.gov/

resources
NJ For Health Care/NJ Citizen ActionResources

National Hotline

800-318-2596

NJFAMILYCARE.ORG

1-800-701-0710

remember
NJ For Health Care/NJ Citizen ActionREMEMBER…..

INITIAL OPEN ENROLLMENT FOR ALL PLANS

October 1, 2013 – March 31, 2014

After March 31

Enrollment will be open

Only to those who qualify for NJ FAMILY CARE

or who have a change in circumstance

Next Annual Open Enrollment

October 15 – December 7

contact us
NJ For Health Care/NJ Citizen ActionContact Us

Consumer Health Helpline:

1-888-NJ GET WELL (888-654-3893)

Maura Collinsgru

NJCA Health Policy Advocate

732-246-4772

maura@njcitizenaction.org

Facebook.com/NJforHealthcare