How Does This Affect Me as an Individual?


In the Marketplace, you can compare coverage options based on price, benefits, quality, and other features important to you. You can choose the combination of price and benefits that fits your budget and meets your needs.

For specific information on how this may affect you as an individual, Click [HERE] to visit the Healthcare.gov website.

  • You can get lower costs on coverage: The Marketplace application will tell you if you’re eligible for a new way to get lower costs on your monthly premiums or out-of-pocket costs for private insurance. You’ll also learn if you can get free or low-cost coverage through Medicaid or the Children’s Health Insurance Program (CHIP).
  • Essential health benefits are covered in the Marketplace: All plans must offer a comprehensive set of essential health benefits including doctor visits, preventive care, hospitalization, prescriptions, and more.
  • Pre-existing conditions will be covered: Plans won’t be able to deny you coverage or charge you more due to pre-existing health conditions, including a pregnancy or disability.
  • You can get help in your area: If you need help finding a plan, several kinds of help will be available to give you personalized assistance with the process.
  • Fees begin: Beginning 2014, most people are required to have health coverage. If they don’t, they may have to pay a fee. Open enrollment for Marketplace plans begins October 1st. Coverage begins as early as January 1st after successful open enrollment. Find out how you can get ready now.


Marketplace Information

Your Shared Responsibility

Beginning in 2014, most individuals will be responsible for maintaining minimum essential coverage or paying a penalty in 2014 of $95 per adult and $47.50 per child (up to $285 for a family) or 1.0% of family income whichever is greater, a penalty in 2015 of $325 per adult and $162.50 per child (up to $975 for a family) of 2.0% of family income whichever is greater, a penalty in 2016 and beyond of $695 per adult and $347.50 per child (up to $2,085 for a family) or 2.5% of family income whichever is greater, with a cap at the national average bronze plan premium. After 2016, dollar amounts will increase by the annual cost of living adjustment.


  • Click [HERE] to see a Flow Chart of Requirements to buy coverage under the Affordable Care Act.
  • Click [HERE] to see a Short Video Presentation and explanation.
  • Click [HERE] for the Employee Health Insurance Cost Calculator Tool.
  • If you HAVE coverage, then you will gain new protections.
  • If you DO NOT have coverage, then you may have to pay a fee.

Marketplace Coverage

If you need Federal/State Marketplace Coverage, you will have to apply using either ON-LINE through the web, or using one of the following linked applications. Keep in mind, "Marketplace Coverage" is NOT OFFERED by your employer, but by the Federal or State Government agencies.


There are FOUR different ways that you can apply for healthcare through the Marketplace:

01 ON-LINE:
Click [HERE] to visit HealthCare.gov to Apply ON-LINE.

02 BY PHONE:
Call 1-800-318-2596 to apply for a health insurance plan and enroll over the phone.
TTY: 1-855-889-4325

03 IN PERSON:
Apply in person by visiting a trained counselor in your community.
Click [HERE] to visit LocalHelp.HealthCare.gov

04 BY MAIL
Complete a paper application and mail it in.
You can download the [Paper Application] and [Instructions].

You are here: Home How Does It Affect Me as an Individual?