Affordable Care Act The information provided in this document is not intended to advise you on how to comply with any provisions of the referenced legislation or regulations, nor is it otherwise intended to impart any legal advice. If you have any questions about how to comply with this or any other law or regulation, we recommend that you consult with your legal counsel.

ACA –Affordable Care Act PPACA – Patient Protection & Affordable Care Act HR 3590ObamaCare

Enrollment Periods Initial Open Enrollment Period will be October 1, 2013 – March 31, 2014 January 1, 2014 Effective Date Sign up 1 st thru 15 th, effective date 1 st of following month. Sign up 16 th to end of month, effective date is month after following month of enrollment Annual Open Enrollment October 15 through December 7 - After Initial Enrollment Period

Grandfather Status: Having either Group or Individual Health Insurance that covers the Minimum Essential Coverage (MEC) before March 23, Which means you comply with the New HealthCare Law and not subject to Penalties. MEC is NOT: General Liability Ins., Accidental Death and Dismemberment Coverage, Dental or Vision, Long-Term Care, etc.. Grandfathered Plans

Healthcare Reform Laws - Overview Some Highlights or Basics of the Law: Pre-Existing Conditions Covered for Children (started 9/23/10) Pre-Existing Conditions Covered for Adults - starts 2014 Maternity and Newborn Care Mental Health and Substance Abuse Preventive Care Services Covered Pediatric Services, Including Vision, Oral care, and Medically Necessary Orthodontics to Age 19

Healthcare Reform Plan Designs Catastrophic Plan Bronze Plan Silver Plan Gold Plan Platinum Plan Out of Pocket Limit on all plans will be equal to Health Savings Account Law Limit. For 2013 the limits are $6,250 for Individual and $12,500 for Family Less Coverage Less Expensive Most Coverage Most Expensive

Healthcare Reform Laws - Overview What is an Exchange / Marketplace? A Exchange/Marketplace is a mechanism for organizing Health Insurance options to help Consumers and Small Businesses shop for coverage in a way that permits easy comparison of available plan options based on Price, Benefits, Services, and Quality. Basically it is where you go to determine if you are Eligible for Subsidies Wyoming will have a Federally Facilitated Exchange/Marketplace Private exchanges will be ran by Private Entities with no subsidies available

2013 Federal Poverty Level Table Household Size 100%133%150%200%300%400% 1$11,490$15,282$17,235$22,980$34,470$45, ,51020,62823,26531,02046,53062, ,53025,97529,29539,06058,59078, ,55031,32235,32547,10070,65094, ,57036,66841,35555,14082,710110, ,59042,01547,38563,18094,770126,360 For each additional person, add $4,020$5,347$6,030$8,040$12,060$16,080

Penalties ** You are not Required to Buy Insurance, but You may Pay a Penalty for not having it.** 2014: $ $47.50 per child up to $285 for a family per year; or 1% of income whichever is greater. 2015: $ $ per child up to $975 for a family per year; or 2% of income whichever is greater 2016: $ $ per child up to $2085 for a family per year; or 2.5% or income whichever is greater

Additional Information  Small and Large Groups  Call Personal Financial Solutions at or toll free for Detailed information

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