What means the Affordable Care Act for single parents?
The answer depends on whether one parent is employed (or technically an employer offers affordable health insurance) or not.
single parents or those without access to health insurance sponsored by employers can make purchases anywhere for the Self-employed coverage.
experts recommend, however, that single parents begin shopping the market to determine if your income qualifies you for a tax subsidy or if your children are eligible for the program of health insurance coverage (CHIP) or Medicaid federal-state children.
Your Options
You can find on the market on the federal website, or if your state runs its own market, start with there (as in Connecticut, Kentucky, and Washington State). HealthcareACT.com has an interactive map of markets facilitated by the federal government and the state base.
If you have access to health insurance provided by the employer, you may face obstacles in the market, according to First Focus, a bipartisan organization that advocates for children and families.
in January, the US Treasury Department issued a rule that leaves hundreds of thousands of children without affordable health coverage, first developed in a statement.
known as the "family glitch", this rule means that if an employer offers employee health insurance coverage and the cost of this coverage does not exceed 9.5% of household income taxpayer, then coverage is considered affordable for the whole family regardless of its actual cost, said first outbreak
Here's the problem :. the average coverage for employees only costs about $ 5,400 per year, but the average family coverage costs about $ 15,000 per year, the organization said
When the hedge is deemed "affordable", a family can not access tax subsidies for coverage of the market, and the only option, then maybe the cover of the first employer, said Joe Touschner analyst main health policy at the Center for children and families Georgetown University Health Policy Institute.
half a million children could remain uninsured
using estimates of the Office of the Federal Government on the responsibility, first reported outbreak in that the glitch of the family, many parents are unable to afford coverage, and about 460,000 children would be insured. Set this glitch would require President Obama and Congress to revise the rule.
Regardless of how this rule affects you as a single parent, the First President Bruce Lesley development recommends that you use the market to determine whether a subsidy is available and if your children could register CHIP.
Each state offers coverage under CHIP, although some states offer coverage to higher income levels than the others do, and CHIP Arizona will end in early 2014.
CHIP, CHIP Away
"If you are a parent seeking coverage in the market, coverage begins at 138% of the federal poverty level," says Lesley. "for children, some states provide coverage when family income is up to 300% of the federal poverty level, although the median family income for CHIP coverage is 250% of the poverty level. "
Families USA publishes 2013 Federal Guidelines on poverty and Touschner proposes to use this table to determine the maximum income levels for CHIP in each state. Congress authorized CHIP until 2019, but only funded through 2015, says Lesley
Medicaid Expansion. Do some States; Some do
Also keep in mind that many states (but not all) are Medicaid expansion under the ACA and when they do, many people, including many parents, will be eligible for coverage low or no cost through Medicaid, said Touschner.
dated 22 October, the Kaiser Family Foundation listed 25 states and the District of Columbia as move forward with Medicaid expansion plans.
Before using the single market parents should gather the necessary information to estimate their income in 2014 and all the documentation that explains the offer of employer coverage, Touschner advises.
too, before choosing a health plan, parents must confirm that doctors and hospitals of their children are in the network. Out-of-network providers are much more than the network providers are doing and some plans do not cover off-grid at all services.
directories in the health plan are often outdated, and sometimes doctors and hospitals themselves are not sure what plans are in Call Plan and suppliers directly to check
photo credit: .. stephanski via photopin cc
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