Unbiased Obamacare Facts

The political wrangling over the Affordable Care Act, which is better known as “Obamacare,” has caused much confusion over the actual coverage facts that the ACA provides. Let’s take an unbiased look at the facts you need to know about your healthcare coverage for 2014 and beyond:

10 Essential Health Benefits of Obamacare

Every health insurance plan through the healthcare exchanges must include these benefits: emergency care, maternity and newborn care, outpatient care, pediatric services, wellness services, rehabilitation, mental health services, prescription drugs, laboratory services, and hospitalization should it be necessary. Even though not everyone will benefit from all of these health benefits, they are included with each plan.

No Dollar Limits

Under previous health insurance policies, you might have noticed that there was a lifetime cap on the amount of health insurance assistance you could receive, often $1 million or $2 million total. Under Obamacare, there is no cap on the dollar amounts of health insurance coverage you receive for treatments required to maintain or better your health.

Free Preventative Services
Immunizations, screenings for health problems, certain counseling services, and your annual check-up are all covered by non-grandfathered plans free of charge.

Obamacare Taxes
There are 21 new taxes that come along with Obamacare, although most people and most employers will not be paying them all. Some people won’t be paying any new taxes whatsoever! Across all the different pay scales and business revenue classifications, one general rule is in place: if you make less money, you’ll pay less in new taxes. If you make more money, you’ll likely pay more in new taxes.

Mandated Health Insurance
You are mandated to purchase some form of health insurance or pay a taxation penalty. Not included in the 21 taxes is the individual mandate that requires by law that health insurance be obtained. A failure to have a qualifying health insurance policy in 2014 will create a penalty of $95 or 1% of your income that’s above the income threshold, the greater of the two. In 2015, the penalty increases to $325 or 2% of your annual income above the income threshold. In 2016, it is $695 and 2.5% respectively.

Healthcare Can Only Cost 8% of Your Income
If you cannot find a health insurance plan that is 8% or less of your total annual income, then there is a good possibility that you would be exempted from the individual mandate of insurance. The Federal government estimates that over 20 million people by 2016 will be found to qualify for exemptions to this new law.

Qualify for Medicaid
Although some states have opted out of the Medicaid expansion that came with Obamacare, if you live in a state that has opted to expand Medicaid, you may now qualify when before you did not. You can discover if you qualify by beginning the application process on the Federal or State healthcare exchanges.

Unbiased Obamacare facts can help you see the real picture of what your health care is going to be like. Get all the facts about your new health care plan today so that tomorrow can be a bright, healthy future for you and your family!

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