Affordable Care Act: What to know if you are uninsured - WTVM.com-Columbus, GA News Weather & Sports

CBS 5 Advocate

Affordable Care Act: What to know if you are uninsured

Posted: Updated:
  • NEWSMore>>

  • Homeless man found dead near railroad tracks

    Homeless man found dead near railroad tracks

    Thursday, July 17 2014 9:49 AM EDT2014-07-17 13:49:05 GMT
    The body of a homeless man was found Tuesday morning on the railroad tracks near Fifth Avenue and 16th Street in Columbus. Muscogee County Coroner Buddy Bryan has identified the 62-year-old victim but saysMore >>
    The body of a homeless man was found Tuesday morning on the railroad tracks near Fifth Avenue and 16th Street in Columbus.More >>
  • LaGrange woman hit by juvenile with cast iron skillet

    LaGrange woman hit with skillet by juvenile

    Monday, July 28 2014 9:15 AM EDT2014-07-28 13:15:06 GMT
    The LaGrange Police Department says an 88-year-old woman was struck in the head with a cast iron skillet by a male juvenile. Police say on July 27, at approximately 4:43 a.m., the Patrol Division respondedMore >>
    The LaGrange Police Department says an 88-year-old woman was struck in the head with a cast iron skillet by a male juvenile.More >>
  • Mom shoots at burglar trying to steal her car

    Mom shoots at burglar trying to steal her car

    Monday, July 28 2014 8:28 AM EDT2014-07-28 12:28:43 GMT
    A Columbus woman catches a man trying to steal her car and fires back literally. The car theft gone wrong happened late Friday evening. News Leader Nine's Tyrone McCoy caught up with the victim.More >>
    A Columbus woman catches a man trying to steal her car and fires back literally. The car theft gone wrong happened late Friday evening. News Leader Nine's Tyrone McCoy caught up with the victim.More >>
PHOENIX (CBS5) -

We continue our weeklong look into the Affordable Care Act and how it affects the uninsured. We are also including in this topic: people who have private health insurance.

It's not from their employer, they bought it themselves through a broker or online.

It's really for these people, the uninsured and privately insured, that the law was created - to give them more options and lower prices.

Beginning Oct. 1, you can go to the "marketplace" at www.healthcare.gov. There, you can search out different health plans, check if you're eligible for federal subsidies and sign up for insurance beginning Jan. 1.

Here are some important things for the uninsured to remember:

  • Nearly everyone must have insurance, so if you're not getting it through your job, you need to get it on your own.
  • To be eligible for a federal subsidy that reduces your monthly premium, you must buy your insurance through the marketplace at healthcare.gov.
  • If you fail to acquire coverage, you'll have to pay a fee of $95 or 1 percent of your income, whichever is higher, on your 2014 tax return, due in April 2015.
  • Oct. 1 is not a deadline, it's a starting point. You have until the end of March next year to obtain coverage. But if you fail to do so, you'll owe the fee and have to most likely wait until November 2014 to sign up for the following year.

How will the uninsured be protected under the law? The Act requires insurance companies to cover people with pre-existing conditions. There are no yearly or lifetime dollar limits on coverage of essential health benefits. Plans through the marketplace guarantee free preventative care. The law makes it illegal for health insurance companies to cancel your coverage just because you get sick.

Cheryl O'Donnell from Enroll America says her outreach agency and many more are trying to get the word out.

"Oct. 1 and the new health coverage options that are available, this is an unprecedented opportunity for the uninsured. A lot of the uninsured in our community want health insurance, but the issue is they've been locked out of the system because they have pre-existing conditions or they couldn't afford it," O'Donnell said.

If you are uninsured and still have questions, visit cbs5az.com/healthcare or send your questions to my Facebook page at facebook.com/DaveCherryCBS5.

Copyright 2013 CBS 5 (KPHO Broadcasting Corporation). All rights reserved.

  • Inside News Leader 9More>>

  • Sidebar: Affordable Care Act

    Monday, March 31 2014 3:38 PM EDT2014-03-31 19:38:53 GMT
    READ: AZ reaction heated from both sides on health care ruling (6/28/12) VIDEO: Healthcare mandate: Your questions (6/28/12) READ: Arizona to receive nearly $7M in health care grants (5/1/12) VIDEO:More >>
    READ: AZ reaction heated from both sides on health care ruling (6/28/12) VIDEO: Healthcare mandate: Your questions (6/28/12) READ: Arizona to receive nearly $7M in health care grants (5/1/12) VIDEO:More >>
Powered by WorldNow

1909 Wynnton Road
Columbus, Ga. 31906

FCC Public File
publicfile@wtvm.com
706-494-5400
EEO Report
Closed Captioning

All content © Copyright 2000 - 2014 Worldnow and WTVM. All Rights Reserved.
For more information on this site, please read our Privacy Policy and Terms of Service.