2. Obamacare - ACA 2015

3. On the Market Vs Off the Market On the Market Subsidies Off the market

4. Who is elegible? US citizen or legal residentLive in the US for at least 330 days/yearNot in prison

5. ACA Facts No cost preventive services 80/20 rule Includes preexistent conditions

6. ACA DATES OPEN ENROLLMENT: Nov 15- Feb 15 < 12/15/14: 1/1/15 effectives > 12/15/14 – 12/31/14: 2/1/15 effectives 1/1/15-1/15/15: 2/1/15 effectives 2/1/15 -2/15/15: March 1 effectives 2/15/15 and On: SEP

7. SEP Have a baby/ adopt a baby Marriage/divorce Lost Min essential coverage Death Lost coverage (student, COBRA, Group) NO SEP IF PLAN CANCELLED DUE TO NO PAYMENT!!!

8. FINED IF NOT COVER 2015 The greatest of: 2% income $325 adult/$162.5 child (Max. $975 per family)

9. Exemptions 1.< 3 months without insurance 2.Coverage will cost more than 8% of income 3.No taxes due to low income 4.Indian tribe or religious cult 5.Prison 6.No legal resident 7.Difficulties **

10. Difficulties ** 1.Homeless for the past 6 months 2.Utilities cut 3.Domestic violence 4.Death of close relative 5.Fire, flooding or natural disaster 6.Bankruptcy past 6 months 7.Cannot pay medical bills for past 24 months 8.Taking care of sick relative 9.Indiv. Plan cancelled and cannot pay for one 10. others

11. WHAT DETERMINES MY PREMIUM? 1.Zip Code and county 2.DOB 3.Female/male 4.Smoker/non smoker

12. HELP FROM THE GOVERNMENT SUBSIDY Premium reduction COST SHARING Premium reduction Cost sharing reduction

14. METALLIC LEVELS 1.BRONZE 2.SILVER 3.GOLD 4.PLATINUM 5.CATASTROPHIC ***