I CAN BUY HEALTH INSURANCE ANY TIME.

TRUE ORFALSE?

There is a limited time to buy health insurance if you don’t already have it. Individuals must enroll in a plan between Oct. 1 and March 31, 2014. If not, you will have to wait until next year’s enrollment period (unless you have a qualifying event).

FALSE

TRUE ORFALSE?

I DON’T PLAN TO GET HEALTH INSURANCE. THE MOST I WILL PAY IS A $95 PENALTY.

FALSEThe penalty is either $95 or 1 percent of your taxable income, whichever is more. So, if you make more than $9,500 per year, you’ll pay more than $95.

A CHEAPER PLAN MAY MEAN YOUR DOCTOR ISN’T IN THE NETWORK.

TRUE ORFALSE?

Be choosy. Don’t pick a planbased only on price. Lower costplans could have a limited selection of doctors or cut costs in other ways. Check to make sure your doctor is in the network and that you get the right level of service and coverage.

TRUE

I CAN APPLY FOR FINANCIAL HELP EVEN IF MY COMPANY OFFERS HEALTH BENEFITS.

TRUE ORFALSE?

As long as your employer’s plan meets the Affordable Care Act requirements, you are not eligible for financial help (e.g., subsidies).

FALSE

A “GRANDFATHERED” HEALTH PLAN IS AN INSURANCE TERM I SHOULD KNOW MORE ABOUT.

TRUE ORFALSE?

TRUE“Grandfathered plans” are plans that existed before March 23, 2010 and haven’t had certain changes in coverage. If you have a grandfathered plan, you may pay less for healthinsurance compared to what you’d have to pay for a new 2014 plan. Find out by calling your insurance company.

I AM YOUNGER THAN 26 YEARS OLD. I CAN STAY ON MY PARENTS’ HEALTH INSURANCE PLAN.

TRUE ORFALSE?

TRUEYou can stay on your parents’plan until you turn 26.

I CAN ONLY GET HEALTH INSURANCE THROUGH THE HEALTH INSURANCE MARKETPLACE (THE EXCHANGE).

TRUE ORFALSE?

If you are eligible for financial help,you must buy your health planthrough the Marketplace. If not, youcan buy health coverage on theMarketplace, from an insurancecompany or through a broker.

TRUE AND FALSE