Under the new health care reform law, by 2014, 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—will have guaranteed access to affordable, quality coverage.
In 2014, more than 1.5 million people in Illinois who are currently uninsured will have access to insurance through private coverage or Medicaid. Individuals will be able to obtain quality health insurance from a central clearinghouse of insurance companies called an “American Health Benefit Exchange.” The Exchange will be a place to easily compare health plan options, determine eligibility for tax credits (based on a sliding fee according to income) and purchase and enroll in private or public health insurance. Additionally, as of September 23, 2010, all Illinois residents are covered by a “Patient’s Bill of Rights,” which puts an end to some of the most extreme insurance abuses and puts consumers more in control of their health care.
Have a question about the new health law? Want to see how the Affordable Care Act is affecting others in your situation or find a reputable resource for more information? Illinois Health Matters is here to help.
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.