It is now 2014, and more than 1.5 million people in Illinois who were uninsured last year now have access to health insurance under the new health care reform law. Individuals and families – including people with special health care needs and pre-existing conditions, low-income childless adults, seniors, young adults and self-employed individuals – are guaranteed access to affordable, quality coverage.
Individuals can find out about new coverage options through private coverage or Medicaid at the Illinois Health Insurance Marketplace, Get Covered Illinois. The marketplace is a place to easily compare health plan options, determine eligibility for tax credits and cost sharing reductions (based on a sliding fee according to income) and enroll in health insurance.
Additionally, for more than three years now, all Illinois residents have been covered by a “Patient’s Bill of Rights,” which put an end to some of the most extreme insurance abuses and put consumers more in control of their health care.
Have a question about how the law works, or the options available to you? Want to see how the Affordable Care Act is affecting others in your situation or find a reputable resource for more information in your area, or your language? Illinois Health Matters is here to help.
Some key resources:
Q An individual is self employed. If they estimate their 2014 income is over 138% FPL and obtain a plan in the Marketplace with APTC (Advanced Premium Tax Credit), what happens at tax time if the income is actually below 138% FPL and the person could have been enrolled in Medicaid with no APTC? Would the person have to repay the APTC received?
Do you have questions about issues like how health care reform impacts people with disabilities or children with pre-existing conditions? Learn from the experiences of others—or, submit your question here.