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Health Care Reform FAQs

Answers to Key Questions about the Affordable Care Act (ACA)

The Affordable Care Act (ACA) was made law in 2010. Some rules are currently in place and still more will be phased in on Jan. 1, 2014. The ACA enables more people to receive benefits and others to get more affordable coverage. Employers who offer health insurance, doctors, and consumers will also see changes.

What Does the ACA Mean for Me?

If you could not afford insurance before, the ACA makes it possible for you to find coverage and offers subsidies and tax credits to assist you in paying your premiums (if you qualify).

What Happens in October with Health Care Reform?

Oct. 1 marks the beginning of the open enrollment period, when individuals can purchase insurance on the health insurance marketplace. On this date, you can shop for different insurance plans online, calculate your monthly premium and check if you qualify for a subsidy or tax break, all on a single website.

What Happens in 2014?

Most U.S. citizens will be required to have health insurance beginning January of 2014. January is also when the health insurance marketplace will begin offering health insurance.

What if I Have a Pre-Existing Condition?

The ACA includes a rule called “guaranteed issue.” Starting Jan. 1, 2014, you will be able to get insurance with coverage for all your medical conditions.

What is the Age Limit for Keeping my Son or Daughter on my Insurance Plan?

The ACA will allow you to cover your adult children up to age 26, even if they are not a full-time student, they don’t live with you, or they’re not tax dependent.

Will I be Penalized if I Don’t Have Health Insurance by January 2014?

If you are without health insurance in 2014, you may be required to pay a penalty on your federal income tax. The penalty for individuals is the higher of two amounts, either $95 or 1 percent of income. This penalty increases every year.

Where can I find providers who accept my insurance?

You can search for providers in the Centegra Health & Wellness Network who accept your insurance by clicking here.

Where can I learn more?

For more information about health care reform, visit BlueCross BlueShield of Illinois.