Your Source for Health Reform

Individuals &
Families

More than 1.5 million people in Illinois who were uninsured in 2013 are now are guaranteed access to affordable, quality health insurance coverage. Consumers now need to understand how to navigate the healthcare system and the new health insurance marketplace in order to access coverage, and make use of the healthcare protections and benefits now available.


YOUR QUESTIONS ANSWERED

 Q:   I underestimated my 2014 income for premium tax credits. I'm not able to pay the IRS back by April 15. Will I have an additional penalty?

 A:   No.  You will not have to pay a fine if you don't already owe the IRS money and report the amount of premium tax credits owed in your 2014 tax return.You can file for an extension to pay back the IRS. This release from the IRS explains who will be waived from the penalty and this article from Forbes clarifies the information.

 Q:   Can people with SHOP coverage delay Medicare Part B enrollment without the penalty?

 A:   Yes. A person with SHOP coverage is the viewed the same as a person with an employer group health plan. The same enrollment rules apply. People must enroll in Medicare Part B within 8 months of retirement or their SHOP coverage ending, whatever comes first. This question and answer from Healthcare.gov addresses concerns Medicare beneficiaries may have about the marketplace.

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RESOURCES FOR YOU

Network Adequacy Analysis

This December 2015 report from the Aids Foundation of Chicago analyzes Illinois silver-level Marketplace plans’ coverage of HIV and the Hepatitis C Virus treatment. The trend has been for Marketplace plans to limit coverage of necessary treatments for this population.

Engaging African Americans

In this January 2016 blog post for the Social Security Administration, a Minister details proven outreach and enrollment strategies with the Black community— a group which is still more likely to be uninsured.

Exceptions to the Individual Mandate

This grid from Families USA lists out  exemptions to the requirement of having health insurance and how people can apply for them. The grid was updated in October 2015 and applies to the 2016 tax-filing season.

Getting Ready for Tax Day

This January 2016 blog post from the HealthCare.gov CEO lays out what consumers should expect in the second tax-filing season under the ACA. The post details processes for consumers with Marketplace insurance; consumers with Medicaid, Medicare or employer-sponsored insurance; and for those without coverage.


More resources