The Affordable Care Act-You and Your Family

7/28/2019 The Affordable Care Act-You and Your Family

1/16

ConsumerReports.g

Health Reform:Seven Tings YouNeed to Know Now


2/16

consumer reports

Understand thenew health law Health Reform

Nw ha h U.S. S-

C ha ld

hld h ci-

ialiy f h Pai Pci

ad Affdabl Ca Ac, ay

Aica a wdig hw

halh f will affc h

c i i flly ild i

Jaay 2014.

yical qi icld: If I gy halh iac hgh y

ly hgh Mdica,

wha, if ayhig, will chag?

If I d hav halh iac

l ihw will I b abl

fid a licy I ca affd? Ad,

wh i affcd by h qi-

(kw a h ada)

ha vy ig f halh

iac?

Halh f will affc vy

Aica bca h w halhlaw ablih w c

ci ad ibilii.

C R

ha dvld hi

bi gid hl

y dad hw

h chag bgh

ab by halh

, h

Adabl Ca Ac

(ACA) 2010, will

ac y ad y

aily, w ad i h . Pvidig

ay--dad caaiv

iai hl c ak h

b dcii i h aklac ha

b h ii C R

ic dig 76 ya ag.

Th ACA k i lac ay a h

xiig iva iac y, b i

ak h aj chag a wll. Th

S C ha ld h

ciialiy h law, hldig all

b ia a h lgilai.

I i iig ha ay c

a cd ad a w yig

dad wha halh d, ad

hw i ay ac hi aili. I ccial

all dad hw h law

ac aily iai, ad al

hw i chag i lv ad

lvd a cicac chag

d ill, jb chag, agig.

W h y id hi gid hll, ad

ha y will ha i wih h. Ci

a availabl dwlad

wbi, a CRHalh.g/

gid, ad i Saih a al.

CR.g/ald.

A alway, w wlc y dback,

y ahi, ad y cllabai

a w wk gh add h

cc Aica halh-ca

c.

Ji G,

Pid

C R

If we had to payfor our daughters

health-care costs,

we would be on

the street.

Jmi Thmp, Hryvi, P.,

wh gr h twrry ut pprch-

ig itim imit rtrtig hi dughtr

cytic iri.


3/16

ConsumerReports.g 3

Seven Tings You Need to Know Now

Table o ConTenTs

1avi w: nwprtcti d tPLUS: Changes to Medicare

PA G ES 4 6

2

Wht t xpct i

ASK NANCY: Will I hav ay a ax i I ll y h?

PA G ES 6 8

3 Hw th mdt wifct yuPLUS: Nw ax l

PA G ES 8 9

a w wy t uy d

frd iurc

PLUS: Eial bf,

dfd

PA G E 1 0

5 Hp pyig r hthiurcPLUS: Qaliyig dic

PA G ES 1 1 1 2

6 Chg r rg dm mpyrPA G ES 1 2 1 3

7 Mr pp wi igi r MdicidPA G ES 1 4 1 5

T law i digd k i lac

day jb-bad iva iac

y ad h Mdica y

f h v 65 ya f ag -

aly diabld. Ialy,

i vid w way bai i-

ac f l wh day a

lckd f h ak bca f

-xiig cdii iabiliy

affd iac.

Ev if y hav gd iac

day i i qi ibl h -

f will ak a diffc f

y y lvd a

i i y liv.

Ti Consumer Reports blica-

i i y gid dad-

ig h law. W ca cv vy

ibl iai dail, b

w highligh h aj chag

ha c d kw

ab ak advaag f hfll bfi f halh f

c Jaay 1, 2014.

Photo:WiLLFigg

4


4/16

4 consumer reports

1. Available today:Newprotections & benefitsWhh y halh iac i chad by y

y ly, h halh law ha lawd acic

ha hav lf l wih halh iac wh

hy d i . T ci icld:

Cb alig lii. I ca lg

cacl y licy if y g ick, a acic kw a

cii. Ty ca cacl y cvag if y

ak a h iak y alicai.

Raid aal. C ca aal iac c-ay dcii a idd viw ad civ

a i 72 h f g dical iai.

Ba lifi lii. Maj lg- ill ca

ack i dical bill. Halh iac lici

d lifi lii hw ch hy wld ay

f a idividal dical bill. T a w illgal,

aig l wih iac w hav g i

db bca hi cvag .

Aal dlla lii hi way . Iac

cai ca ill lii hw ch hy ay f

a idividal dical x ach ya, b a f

Sb 23, 2012, h law ay hi lii b

l ha $2 illi. I Jaay 2014, lii will b

clly liiad. Exi: I ca ill

i h y f bfi lii lik dc vii

lii, cii lii, lii day i h

hial.

Better Benefits

F viv a ad aal hk. T law

fc vi ad iay ca hl l

ay halhy ad aag chic dical cdii

bf hy bc clx ad cly a.

Nw iva halh la cv ad liia

c-haig (c-ay, c-iac, ddcibl)

f v viv a ch a iizai

ad cac cig. Addiial viv a

I was excited about seeing a

benefit from the Affordable

Care Act. I like that the law

limits administrative costs.

It holds insurance compa-

nies accountable for runninga successful business that is

geared toward the policy

holders.

Girt Grz, 59, cutmcthir rm Hut, Tx,rcivd $827 rt chckrm hi iurr cu it hdtpt ugh my hthcr, rquird y w.

Photo:eriCkayne


5/16

ConsumerReports.g 5

changes to MedicareAvailabl w, h a val

ha will ac i, icldig icad

acc viv ca ad dic

h c cii dg.

Cha dg. Old adl wh hav

Pa D dg cvag ad ach h d

hlh i a which hy a

ayig h ll cii dg x

hlvi 2012 g a 50 c

dic wh byig bad a dg

ad a 14 c dic gic dg

cvd by Mdica Pa D. Th

cii dg cvag

ga ci hikig

il diaaig

clly i 2020,

wh ly h

al dg

c-ay will

aly.

F viv

ca. Si lg

d viv

ca yaly chck- bca c. Sic 2011, hy hav b ligibl

cac cig, wll vii,

alizd vi la, vacci, l

h, ad .

Chag Mdica Advaag.Th

law dc dal ay Mdica

Advaag la by iva i a

a alaiv adiial Mdica. I

h a, Mdica aid h ivaiac cai v $1,000

avag ha i adiial

Mdica. Th vay a lwly

big dcd, ad iad i a

awadd b qaliy. Th law al

lw h a gwh i ay

vid.

F iai ab Mdica,

vii Mdica.gv.

f w kickd i Ag 2012, icldig f wll-

wa vii, cig f gaial diab, d-

ic vilc cig, ba-fdig li, adcaci, all wih c-haig. Exi:

Wklac by ligi gaizai ha bjc

bih cl d hav ay f caci, b

i ick h c. Exiig la ha

hav chagd igificaly ic aag f h law

ca ci chag f viv ca il 2014.

Pi ba if i dd a.

T halh law ay ha i d a

la 80 c (85 c f i cvig lagly) f h i y ay dical ca

ad qaliy iv. If i d ch

vhad, ch a alai, b, adiia-

iv c, a d halh ca, hy i

i ba c ach .

Sadad dil f. Saig Sb 23,

2012, all halh la a adadizd f

aiz bfi ad cvag, icldig ifa-

i c-ay, ddcibl, ad -f-cklii. I ay xcldd vic all i

lac. I al calcla ad dicl y

yical -f-ck c f w dical cai:

havig a baby ad aig y 2 diab. F ya

will icld cvag xal.

Expanding coverage

T law ak i ai f id Aica

fid affdabl halh iac igh w:

did YoU Know?

Bu , 12.8 m vu

bu bk m $1.1 b b

2012 m u m u

m .


6/16

consumer reports

I am excited about

the health-care

reform act. But I

have to get through

2013 first.

Tmmy nrdtrm, 56, Crct, Iw, whu mt h hrmthy umpymtit t py r hrCobRa hth p.

2. Coming in 2014: OverviewS f h bigg chag lig f h halh

law ak ffc Jaay 1, 2014, wih h gal f akig

affdabl halh ca availabl f all Aica, -

gadl f hi dical hiy abiliy ay.

M Aia will b qid hav halh i-

a. A f Jaay 1, 2014, Aica wh ca af-

fd cvag will b qid cha halhiac ay a ax aly. (S ag 8.)

N -xiig dii dial. Saig i

Jaay 2014, i ca dy cvag ay,

gadl f -xiig cdii. Ad hy ca

chag y bca f y gd ha

hy chag a halhy y ag. Ta a y

ca by halh iac v if y a ily ill.

Oli ia akla. Bgiig Jaay 1,2014, idividal, faili, ad all bi w

Yg adl a ay a a la il ag 26.

Halh la l yg adl ai a d-

d hi a licy il hy 26, gad-

l f whh hy liv a h, ad chl, a

aid. Exi: S halh la a qid

xd bfi yg adl if hy ca g cv-

ag a wk; hi xci g away i Jaay 2014.

Chiig away a -xiig dii xli.

I 2014 i will lg b abl dy cvag

l wih -xiig cdii chag h

f i. Mawhil, h halh law ff

ay hl:

Adlwih -xiig dii wh hav b

wih cvag f a la ix h ay b ligibl

f bidizd cvag hgh h ay P-

Exiig Cdii Iac Pla i hi a. (Vii

PCIP.gv f ifai.)

Child d 1 wih -xiig dii

ca w b did cvag by i.Uil

2014, hwv, i ca chag f i-

ha hy chag f wih ch c-

dii. Exi: S idividal la ca ill

f cv a child. Ti xci g away i

Jaay, 2014.

Photo:MattMiLLer


7/16

ConsumerReports.g 7

will b abl h f halh iac i li

aklac, iila avl wbi. T ak-

lac, al calld xchag, will ak i ibl

aily ca ad by iva iac ad di

if y qalify f fiacial hl. T aklac will

b f bi Ocb 1, 2013, llig cvag

ha bgi Jaay 1, 2014. Y ay qalify f di-

c hl ay f i if y ic i f

$15,302 $46,021 f a idividal ad $31,155 $93,700

f a faily f f. Y ca al fid if y qalify

f xa bidi hl wih -f-ck c f

gv ga ch a Mdica, Mdicaid ad

h Child Halh Iac Pla. (S ag 10.)

M iay a d, diad a. Wih

illi id Aica h way, h c

aial hag f iay ca hyicia agig challg acc i h halh-ca y.

T halh law ha bg fd aiig f i-

ay ca hyicia ad icad c f c-

iy halh c. I al b-cdiad

ca ad icad ay a f iay ca dc

wh acc Mdicaid wk i al aa.

Eial bfi ff ii lvl f vag.

A ii lvl f cvag kw a ial b-

fi b a f la, ffciv Jaay 1, 2014. I-dividal halh la ad h ld all

biwhh ld i f h halh i-

ac xchag ff a chiv ackag

f ial bfi. (S ag 9.)

Mdiaid xai ai lw i Aia.

U 17 illi Aica cld b ligibl f Mdic-

aid. A f Jaay 1, 2014, a ha ch ca x-

ad hi Mdicaid ga lgal id d

ag 65 aig l ha $15,302 f a idividal ad$31,155 f a faily f f. Sa ha i will g

fdal fdig cv 100 c f h c f h

fi h ya, h 90 c haf. Exi:

Mdicaid xai wa h a f h law ha

chagd igificaly wih h U.S. S C l-

ig J 28, 2012. T Jic aid a ca f

xad Mdicaid all lw-ic adl wih l-

ig all fdal fdig f xiig Mdicaid ga.

If a a , i ay lav f i i-

d wih cvag. (S ag 14.)

asK nancYD th hth

w cvr pp

wh r t g

U.s. ridt?

N. Th law

ciically a

ha i d

allw dal

ay, cdi,

c-haig idividal wh a

lawlly i h Uid Sa.

I it tru, wm i my k cu y,

tht cu hth rrm i yu

yur hu yu hv t py dr tx 3.8 prct th tt pric?

Thi ida, which ha b ciclaig i a

chai -ail a cl ya, i icc.

Y, h i a w 3.8 c ax

ad ic ch a dividd, i,

ad caial gai bgiig wih ax ya

2013. B:

1) Th ax ali ly l wih high

ich wih adjd g ic

abv $200,000 a idividal $250,000 a cl.

2) F h acd, ly a i h

i a h al, h al al

ic, i bjc h ax. A ha b h

ca ya, h i $250,000 i

($500,000 a aid cl) i xcldd

ax.

Accdig aalyi, h ax will hi ly

h -aig 2 c aili. S l

y i ha g, y w b acd.

F dail : acchck.g/2010/04/

a-38-c-al-ax--y-h/

Rd mr quti wrd y

Cumr Rprt hth-iurc xprt,

ncy Mtc, t w.CumrRprt.

rg/hth/k_cy/

or d yur quti t ncy t

[email protected].


8/16

8 consumer reports

3.How the mandatewill affect youT S C dcii hld f h

cvial i f h halh-ca lawh i-

dividal ada, which qi Aica

cha halh iac aig Jaay 1, 2014

ay a ax if hy d cly.

Nwihadig h hla dig h ada,

h ada will bably cc ly ab 7.3 il-

li Aica, 2 c f h lai. Ta

bca Aica ih alady hav iac,

a x d h law, wld qalify f Mdicaid, wld ax cdi by lici i h xchag,

accdig a aalyi by h Uba Ii, a Wah-

ig hik ak.

Why h d f a ada? Tik f i hi way: Y

ca by hw iac wh y h i

fi, ca iac ha cv daag ha ha

alady had. Rqiig halh i acc

ay wh wa iac gadl f -xi-

ig cdii wih qiig vy by i-

ac wld div h c f cvag v l

affdabl lvl.

You are exempt from the mandate tax if:

Y hav iac hgh y ly -

cha idividal iac y w.

Y hav iac hgh Mdica, Mdicaid,Child Halh Iac Pga (CHIP), Va

Adiiai ad/ ica f aciv dy ad -

id iliay, Idia Halh Svic, a halh-ca

haig iiy.

Y wld hav d ha 8 c f y

hhld ic h cha qalifyig halh

iac la, v af ax cdi ad bidi.

will new tax rUles of 2013 applY to YoU?D y iiz ax?

Th l a chagig h wh iiz ddci

hi dal ic ax . Bgiig 2013, y

ca clai ddci dical x cvd

by iac wh hy ach 10 c y

adjd g ic, h c 7.5 c.

D y a v $200,000?

Tw w ax i 2013 will hl d h Mdica

ga ha cv l v 65. Th ax aly

ly ic abv $200,000 idividal ad abv

$250,000 cl wh il jily.

Exa ayll ax: Ely will ay a xa 0.9

c Mdica ayll ax wag v $200,000

(idividal) $250,000 (aily).

Nw ad ic ax: A w 3.8 c ax

ad ic, icldig iv, i,

dividd, aii, , yali, cai caial gai,

ad iaciv bi. Exi icld ic

ax-x bd, va bi, ad qaliid

la diibi ch a h a IRA 401(k).

Th w ax d aly h al a icial

idc, xc i a ca. (S Ak Nacy, ag 7.)

D y a flxibl dig acc?

Th l lxibl dig acc (FSA), which

i y aid ax- dlla

ibd dical x, chagd i 2011 wh

y cld lg FSA acc ay

v-h-c dg l y had a cii

y dc. Saig i 2013, h i a w ca,

$2,500, hw ch y ca aid ax- i a

FSA. I bq ya, h $2,500 ca will ica

by h aal ilai a.


9/16

ConsumerReports.g 9

essential Benefits,defined

ectiv Jury 1, 2014, idividu

hth p d th d t m

ui mut r cmprhivpckg it tht icud:

emrgcy rvic

Hpitizti

lrtry rvic

Mtrity cr

Mt hth d utc

u trtmt

outptit, r mutry, cr

Pditric cr

Prcripti drug

Prvtiv cr

Rhiittiv d hiittiv (hpig

miti diy uctiig) rvic

Vii d dt cr r chidr

Y ic fall blw h hhld f filig fd-

al ic ax.

Y liv id f h U.S.

How much is the penalty for nothaving insurance?

I 2014, l wh ca affd b d cha

halh iac will ay a ax aly. F a idivid-

al, h ax a a $95 a ya 1 c f i-c, whichv i ga, ad by 2016 i $695

idividal 2.5 c f ic. F a faily, h ax

i cad a $285 i 2014 ad i $2,085 2.5 c

f ic i 2016.

T Ial Rv Svic will cllc h aly via

ax . I 2014, fdal will icld a w

f li y c f halh iac.

I probably will pay the

tax penalty rather than

buy insurance. I have

never had insurance. Its

too expensive.

su Ck, 60, Dritwd,Tx, wh w dcp-

ig ui d h p, w, t purch hth

iurc i 2014.

Photo:darrenCarroLL


10/16

0 consumer reports

4.New ways to buy andafford insuranceF cvag bgiig Jaay 1, 2014, a w way

by iac will b availabl i Ocb f 2013. Y

will ill b abl cha iac y w di-

cly f a iac cay hgh a bk.

B y will al b abl h w, a-bad

halh iac aklac, which a al calld

xchag. T a w big advaag ig h

li aklac. O, y ca ak id-by-id,

al--al cai f all h availabl

la, ad a li calcla fid h b by.

w, y ay qalify f a -f dic i hf f a ax cdi hl ay f y i, ad

y igh al g hl wih y -f-ck c.

Ay wih iac hgh wk ca cha

iva halh iac f h i aicia-

ig i y a aklac. Ad, y ca al i if

y cvag a wk c y ha 9.5 c

f y ic, if y ly la d

h law ii adad.

T li aklac will b f bi a-

ig Ocb 1, 2013, ffig cvag ha a Ja-

ay 1, 2014. Sa dcid whh bild hi

w a wih h fdal gv. S

a will d chig l h fdal gv-

hi li aklac.

How the online marketplace works

Yll b abl aily ca ad cha halh

la ffd by iva i, ad i a,

c- f dc ad fi gaizai ha

a iac glai. Y will b abl ch

ag la wih high lw ddcibl ad c-

ay, ad high lw i.

A alid c will l y fill

alicai fid if y qalify f i

dic, bidi f -f-ck x, cv-

ag d ga ch a Mdica Mdicaid.

I ay ca, i a igl i yll b abl -

civ a ligibiliy diai ad ll i a halh

iac la ha igh f y y faily.

Y will al b abl da ay chag ha igh

affc y ligibiliy (icldig aiag, divc a

jb chag) ad k y cvag f ya ya

hgh h xchag.

who will QUalifY for help with insUrance costs?

h u s u m fmy uu m

Medicaid health coverage, if your statedecides to offer it

Up to $15,302 Up to $31,155

Help to pay your premium, if you buy inyour states online marketplace

Between$11,505$46,021

Between$23,425$93,700

Subsidies for out-of-pocket costs, if youbuy in your states online marketplace

Up to $28,763 Up to $58,562

Source: Kaiser Family Foundation Subsidy Calculator at healthreform.kff.org/Subsidy Calculator.aspx

Th jcd

ia 2014 givy a ida wha

iac iacig

i will b availabl

aili a di

ic lvl. A

will vay by aily iz.

Y ay b ligibl

ha i.


11/16

ConsumerReports.g

5.Help paying forhealth insurancePbably h bigg cc f Aica i: Wh

I qid by halh iac, will I b abl

affd i? F dic ad bidi cially d-

igd la f yg adl, h hah-ca law -

vid a hl ak iac affdabl

f l wih lw ad d-

a ic.

Di. If y a b-

w $11,505 $46,021 f a

idividal $23,425 $93,700f a faily f f, ad y

d hav cvag f y ly, y ca qalify

f a f dic, i h f f a ax cdi,

halh iac i h li aklac.

Y will vid lva ifai h xchag

ad i will di hw ch, if ay, dic y

ca g. T a f h dic i id y

faily ic, faily iz, ad h c f a adad

la i h xchag. T dic will g dicly

h i y ch hl ay h fll i

f.

Sbidi f -f-k

x. If y a l

ha $34,516 f a idividal

$70,275 f a faily f f

ad cha y licy h xchag, y al ca

g bidi lw -f-ck c, ch a d-

dcibl ad c-ay.

Mdiaid f h wih liid i. If y a

l ha $15,302 f a idividal ad $31,155 f a faily

f f, y will qalify f Mdicaid i 2014, b ly i

I got stuck with a

$120,000 medical bill that

Im still struggling to pay

off. Im using money that

could be going toward my

education to pay these

bills. Im doing my best.

But its tough.

edith Gzz, 26, srcic, C., wh wdid cvrg r gddr urgry cu hriurc cmpy dtr-mid h hd pr-xitigmdic cditi. Th hpi-t vtuy rgv ut$82,000 d h i w pyig th rt.

did YoU Know?Yu m u yu m

v m yu. U u

K fmy fu m.k.

/ubyu

Photo:vanCejaCobS


12/16

consumer reports

6.Changes for large

and small employersT fdal law bild h c ly-badiva iac y, which vid cvag

ab 160 illi Aica. Ad f hl all

bi b affd ff gd halh iac

hi ly.

M ly, lag ad all, ay hy d i-

d d halh bfi, cgizig hi val

i aacig ad kig gd ly, accdig h Cgial Bdg Offic. B bi

ca chag h ic ad f ly-bad

la, a ay hav i c ya, hifig f

h i ad h c ly.

New employer responsibilities

T law d qi ly ff halh i-

ac ly. B bi wih 50

ly ha d ff cvag, ha ff i-

ac ha i xiv d ii-

adad, ay hav ay ali.

Oly a all cag f bi fac h -

ial fi. M ha 96 c f h ai fi

wih 50 ly alady ff halh i-

ac hi wk.

What about small businesses?

Cai wih fw ha 50 ly w fac

ay ali f ffig cvag ly.

T all ly ab 75 c f h

fi i h Uid Sa ad ly aly 34 illi

l. If a cay d' ff iac, i -

ly ca by iac h li aklac.

T a ax bak f all bi. A ax

cdi i w i lac ak i affdabl f

h a ha dcid g alg wih h fdal x-

ai f h ga. I a ha d xad Mdi-

caid, hhld wih ic abv h vy lvl

($11,505 f idividal, $23,425 f a faily f f) will

b abl cha iac h li aklac

ad civ ax cdi, b h ay b a cvag

i f adl aig l

ha vy lvl.

Sval i f yg

adl. Y ca w ji

ai y a

halh iac la il

ag 26, gadl f whh y liv a h, hav a

jb, a aid, ad chl.

Bgiig i 2014, yll hav addiial i. Yca by bidizd iva iac i h a-bad

li aklac if y idividal ic i b-

w $11,505 $46,021. If y a l ha $15,302

a a idividal, y ay qalify f Mdicaid if y

a xad Mdicaid.

Adl d ag 30 ca by a caahic halh la

ha cv ial halh

bfi ad h iay

ca vii ya. T

la a likly hav lw

i b high c-

haig x ha h

la i h xchag. P-

viv vic ad h iay ca vii ya

a xcldd f c haig. Pl v ag 30 wh

ca fid a la wih a i ha i 8 c

l f hi ic wld b abl cha h caa-hic la, .

did YoU Know?

i yu yu u bu jb

, v, , yu b b

buy u mk.


13/16

ConsumerReports.g 3

all bi ad fi ff halh i-

ac hi ly.

F-fi bi wih 25 fw ly ca a-

ly day f ax cdi cv 35 c f h

c f i f hi ly. qalify, bi-

ay f a la 50 c f ly

i, ad h wk aal alai ca av-

ag ha $50,000. Y ca h calcla a

allbiajiy.g/ax-cdi-calcla/ fid

wha y all bi ax cdi igh b.

I 2014, h ax cdi ica 50 c f h

x w ya f all ly wh cha la

i h a-bad halh iac li ak-

lac. Nfi gaizai ca w aly f ax

cdi f 25 c hl ay f ly -

i, icaig 35 c i 2014.

Sall bi a al h xhag. Sall

ly wih 100 ly (50 fw i

a) will b abl ca ad by hah i-

ac la f hi ly.

In my experience, the

Affordable Care Act is

really a job creator.

Te law has been very

important to us.

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Grd i a arr,Mich., wh rcivd

$17,628 i tx crdit rprvidig hth iurct hi mpy d udth my t hp hir

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14/16

4 consumer reports

7. More people will beeligible for MedicaidMdicaid i a ji fdal- ad a-fdd ga.

Cly i vid halh ca f 60 illi lw-

ic Aica, ly child, ga w,

idividal wih diabilii, ad ldly l wh

d hl a h liv i ig h. Whil a

ligibiliy l diff qi a l, lw-ic

adl d 65 ca civ Mdicaid.

T halh law ad i 2010 qid a cv all

vy lw-ic l wih hi Mdicaid ga,

icldig adl wih dd child, wih 90 100 c f h w c cvd wih fdal

fd. If a a fd xad cvag, i wld

l all i fdal Mdicaid fd. Ti wa xcd

iva all a ag.

T U.S. S C vd ha qi,

ayig ha ach a ca dcid whh x-

ad i Mdicaid ga, wih lig i c

fdal Mdicaid fdig.

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caid cvag d h w halh law, b w ha

ay fall h. Sa ha f h xai ay

lav ay f hi ciiz wih ay way

g iac c 2014.

Whos eligible under Medicaidexpansion?

Whh y qalify f Mdicaid will dd yic ad wh y liv. Bgiig Jaay 1, 2014,

all lgal id wh a l ha $15,302 f a i-

dividal ad $31,155 f a faily f f ca civ

Mdicaid. Nw fdal ligibiliy adad icld

vily iligibl l, ch a:

Lw-ic adl, wih wih dd

child

Lw-ic child wh l hi Mdicaid b-

fi wh hy a claifid a adl a 19 ya ld

Lw-ic adl wih diabilii wh a li-

gibl f Scial Sciy Slal Diabiliy I-

ac (SSDI) Slal Sciy Ic (SSI)

Why it matters

T halh law idd ha ab half f h wly

id Aica wld gai cvag hgh Mdi-

caid. If a a dcid agai dig h xai,h i vy-lw-ic id will hav h

i g iac d h w law. A h law

ad day, if hi hhld ic i l ha

vy lvl hy ca g a dic by i h

li aklac.

If a d vid cvag f hi i-

d, hial ad h halh-ca vid will

hav vid cad ca ha aici-

ad ad ay ci hif c h wh havcvag. O, h way will d b fd cv

h c, ch a icaig lcal y ax.

Whats next?

Sa a i h c f dcidig whh xad

Mdicaid. I h ai, h fdal gv i

big fdig ciy halh c ad i-

caig a aid iay ca hyicia wh ac-

c Mdicaid i aai f h gwig bf wly id l wh will b kig ca.

la ab h Mdicaid ga i y a,

vii Mdicaid.gv.

did YoU Know?

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15/16

ConsumerReports.g 5

Still have questions?

the road aheadWht w dt kw yt. I x ya w, gla, i, ad h a will wk

ay kw. Chi ag h: hw ch will la d h li aklac

acally c? Will h lvl layig ild h li aklac cag i lw

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i hi ciiz? F da, g h iac ag a CR.g/

Cig th gp. Bca h w halh law, ay l all ag will b abl

hav gd halh iac, a wha ha hi jb, halh a, aily

cicac. Hwv, h a likly b l wh all bw h cack. Thi ay b

bca hi a d il Mdicaid xai, bca wha h y d

adabl halh iac i acally adabl h. I aa h cy, h

hag aily hyicia ciali ay ak i had acc ca. N db, h halh

law will d adj ad i-ig i h hl i lill i ii.

lwrig hth ct. Mch b d big h c halh ca d b

cl, a i ci gw a a aiabl a. Ad ai ay ad qaliy ca

a aa wh ci iv i cay. C R ha lg b

cid wkig i all h aa a ai ad j halh-ca aklac

all c.

Halhca.gv

Thi i vid l iai ab iac i

availabl y ad chag cad by halh-ca .

Kai Faily Fdai, halhf.kff.g/

Thi i ha i-dh iai ky halh licy i, l

iaciv l di hw halh-ca will iac

y. I al vid iai ab h xchag i y

a, a h://halh.k.g/Sa-Exchag-Pil-

Pag.ax

Consumer Reports, CR.g

Thi i a ag c dadig halh

iac ad hl avigaig Mdicaid ad Mdica

advic axiizig y iac i.

C Ui, CUi.g/halh

La ab halh-ca licy i ad advcacy a hi

i by h blih Consumer Reports.


16/16

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ig gaizai. W al vy illi c ab hi

xic wih dc ad vic. W bad i Yk, N.Y.,

ad a a i gaizai.

Wha w d W by all h dc w a.Wha w d d W d acc aid adviig; w g y

aily hgh bcii ad dai. W d acc

al aac. Ad w d allw a c b

d ay ial .

Hw ach Wi a C R, 101 Ta Av., Yk,

NY 10703-1057, a: C Svic.

Documents

The Affordable Care Act-You and Your Family