The health insurance marketplaces open for the annual enrollment on November 15, and one of the biggest questions: "How much do care plans in 2015 cost "
consumers, employees and small business owners now plans available can preview Healthcare. gov , and prepare for 2015
How much care plans cost in 2015?
to enroll the cost of health insurance by Care health insurance marketplaces in coverage on a few hanging factors:
-
Your location (country and region)
-
your age
-
your tobacco consumption
-
the type of plan and coverage you select
-
to calculate your household income, are entitled to a premium tax credit or eligibility in Medicaid or CHIP
in 2014, the average market health plan costs $ 82 / month (after about the premium tax credits, to take into account the discounts)
care plans -. Example costs 2015
The following sampling rates are for a single adult, HealthCare.gov the estimator tool.
| age | 2015 Income | State | carrier | coverage | deductible | monthly premium you pay | monthly discount (tax credit) |
| 25 | $ 25,000 | FL | Molina | silver | $ 1,700 | $ 142 | $ 73 |
| 35 | $ 35,000 | UT | Bridge | silver | $ 00 | $ 222 | $ 0 |
| 45 | $ 60,000 | AZ | health choice | silver | $ 1,0 | $ 220 | $ 0 |
| 55 | $ 40,000 | NC | Blue Cross | silver | $ 3,000 | $ 295 | $ 281 |
Check specific rates and discounts in your state at HealthCare.gov. Click here for the estimator tool
As the premium tax credits work
You are entitled for federal premium tax credits if :.
-
They are not offered by employer health insurance (through your workplace or your spouse) offered
- an individual health insurance in your state marketplace and
-
your household purchase incomes less than 400% of the federal poverty level (FPL). This corresponds to approximately $ 46,680 / year for an individual and $ 95,400 / year for a family of four in 2014
The premium tax credit acts as a cap on the amount you pay. For those entitled to the tax credit caps the amount you pay for your premium on a sliding scale between 2% and 9.5% of income
. See:
How employers [1945012[1945006[] can can help employers help employees benefit of cost-effective care plans take: -
Not have employer provided health insurance (group insurance offer disqualified employees and their families often of the tax credit).
-
With defined contribution health benefits. With a defined contribution approach .:
-
The employer gives the employees to use a health allowance, on Health Insurance
-
enroll employees in health insurance, and get a discount on health insurance tax credit (if authorized).
-
employees use their health money on their health insurance will be refunded.
Not have employer provided health insurance (group insurance offer disqualified employees and their families often of the tax credit).
With defined contribution health benefits. With a defined contribution approach .:
-
The employer gives the employees to use a health allowance, on Health Insurance
-
enroll employees in health insurance, and get a discount on health insurance tax credit (if authorized).
-
employees use their health money on their health insurance will be refunded.
Did you see the new estimator tries? How much care plans in your state?
Source: healthcare.gov
0 Komentar