- Are children subject to the individual shared responsibility provision?
Yes. Each child must have minimum essential coverage or qualify for an exemption for each month in the calendar year. Otherwise, the adult or married couple who can claim the child as a dependent for federal income tax purposes will generally owe a shared responsibility payment for the child. For more information click here.
- Are residents of U.S. territories subject to the individual shared responsibility provision?
All bona fide residents of the United States territories are treated by law as having minimum essential coverage. They are not required to take any action to comply with the individual shared responsibility provision. For more information click here.
- Are senior citizens subject to the individual shared responsibility provision?
Yes. Senior citizens must have minimum essential coverage or qualify for an exemption for each month in a calendar year. Both Medicare Part A and Medicare Part C (also known as Medicare Advantage) qualify as minimum essential coverage. For more information click here.
- Are U.S. citizens living abroad subject to the individual shared responsibility provision?
Yes. However, U.S. citizens who are not physically present in the U.S. for at least 330 full days within a 12-month period are treated as having minimum essential coverage for that 12-month period. In addition, U.S. citizens who are bona fide residents of a foreign country (or countries) for an entire taxable year are treated as having minimum essential coverage for that year.
U.S. citizens who meet neither the physical presence nor residency requirements will need to maintain minimum essential coverage, qualify for an exemption or make a shared responsibility payment for each month of the year. For this purpose, minimum essential coverage includes a group health plan provided by an overseas employer. One exemption that may be particularly relevant to U.S. citizens living abroad for a small part of a year is the exemption for a short coverage gap. This exemption provides that no shared responsibility payment will be due for a once-per-year gap in coverage that lasts less than three months. For more information click here.
- Can I be covered under my parents’ plan if I’m married?
- Do I have to be covered for an entire calendar month to avoid the shared responsibility payment liability for not having minimum essential coverage for that month?
No. You will be treated as having minimum essential coverage for a month as long as you have coverage for at least one day during that month. For more information click here.
- Do I have to live in my parents’ home to be covered as a dependent under their policy?
- Do my parents have to claim me as a tax dependent for me to be on their health plan to age 26?
No. You do not need to be a tax dependent of your parents to continue to be covered as a dependent on their health plan. For more information about coverage for young adults click here.
- Do my spouse and dependent children have to be covered under the same policy or plan that covers me?
No. You, your spouse and your dependent children do not have to be covered under the same policy or plan. However, you, your spouse and each dependent child for whom you may claim a personal exemption on your federal income tax return must have minimum essential coverage or qualify for an exemption, or you will owe a shared responsibility payment when you file a return. For more information click here.
- How do I apply for an exemption from the fee for not having health coverage?
- How do I know if I qualify for expanded Medicaid coverage?
See: Get Covered
- How do I prove that I had health coverage and satisfied the mandate?
- How safe is my personal information? What policies exist to keep my information secure?
For more information regarding privacy policies click here.
- I am a health care provider and have received numerous questions about health care reform from my patients. What information do I need to know about the law?
To find out more information about the Affordable Care Act (health care reform), Medicaid expansion and Connect for Health Colorado visit the ACA Resources for Health Care Providers page. This page has been designed specifically to help health care providers and their staff answer patient questions about health care reform.
- I am a health care provider and my patients have asked me about the new way to buy health insurance through the Connect for Health Colorado marketplace. Where can I find out more information about the marketplace?
To find out more information about the Affordable Care Act (health care reform), Medicaid expansion and Connect for Health Colorado visit the ACA Resources for Health Care Providers page. This page has been designed specifically to help health care providers and their staff answer patient questions about health care reform. You can also visit Connect for Health Colorado for more information about buying insurance through the marketplace.
- I am a health care provider and want to have materials in my office about Medicaid. Where can I find resources I can share with my patients?
To find out more information about the Affordable Care Act (health care reform), Medicaid expansion and Connect for Health Colorado visit the ACA Resources for Health Care Providers page. This page has been designed specifically to help health care providers and their staff answer patients’ questions about health care reform and share materials that can be downloaded and displayed.
- I am a retiree and I am too young to be eligible for Medicare. I receive my health coverage through a retiree plan made available by my former employer. Is the retiree plan minimum essential coverage?
Yes. Retiree health plans are generally minimum essential coverage. For more information click here.
- I currently have a medical discount card or am enrolled in a medical discount program. Will that satisfy my individual responsibility to have health insurance beginning in 2014?
No. Programs that only offer discounts on medical services do not meet minimum essential coverage and do not qualify as health insurance coverage in 2014. If you have only these types of coverage, you may have to pay the fee. Get more information from Healthcare.gov and the Colorado Division of Insurance.
- I just received a letter from insurer stating my insurance policy was cancelled. What should I do?
Beginning in August 2013, some consumers may have received insurance policy cancellation notices from their insurance carrier. The main reason for some insurance companies to cancel current insurance policies is because the benefits in the plan will not meet the requirement of the Affordable Care Act (health care reform) that take effect January 1, 2014. Starting January 1, 2014, all health plans sold after March 2010 are required to provide essential health benefits, insurers cannot reject people with pre-existing conditions or charge them higher prices, plans cannot have annual or lifetime limits on coverage and insurance policies must put a limit on consumer’s out-of-pocket expenses. For the plans that insurance companies are cancelling, most are insurance plans sold to consumers after March 2010.
If you receive a cancellation letter from your insurance company, read it carefully. The letter may contain specific instructions from the insurer. If you have questions about the cancellation letter you’ve received, please contact the Division of Insurance Consumer Affairs by calling 1-303-894-7490 (Denver metro) or 1-800-930-3745 or by emailing firstname.lastname@example.org.
Visit our Get Coverage page to explore your options for new insurance coverage through Medicaid or the Connect for Health Colorado marketplace, where you can find out if you qualify for financial assistance to help pay for your coverage.
- I need coverage now. What are my options?
- If I receive my coverage from my spouse’s employer, will I have minimum essential coverage?
Yes. Employer-sponsored coverage is generally minimum essential coverage. If an employee enrolls in employer-sponsored coverage that provides minimum value for himself and his family, the employee and all of the covered family members have minimum essential coverage. For more information click here.
- If my income is so low that I am not required to file a federal income tax return, do I need to do anything special to claim an exemption from the individual shared responsibility provision?
No. If you are not required to file a federal income tax return for a year because your gross income is below your return filing threshold, you are automatically exempt from the shared responsibility provision for that year and do not need to take any further action to secure an exemption. If you are not required to file a tax return for a year but file one anyway, you will be able to claim the exemption on your tax return. For more information click here.
- I’m a young adult and I need health insurance. What are my coverage options?
A number of options may be available to you:
- If your monthly income is below about $1,250 a month, you may newly qualify for Medicaid beginning in January 2014. To find out if you qualify for free or low cost health insurance through Medicaid click here.
- If you make more than about $1,250 a month, then you may qualify for financial assistance to help you buy health insurance through the Connect for Heath Colorado marketplace. To find out if you qualify click here.
- If your parents have health insurance that offers dependent coverage, you can join (or stay on) their health insurance policy as a dependent and remain covered until your 26th birthday. Get more information.
- The Colorado Young Adult (CYA) plans are a new kind of health plan, designed primarily for adults under age 30, that provide limited benefits and are designed to protect customers from very high-cost emergencies. Get more information.
- Also, if you are a student, you may be able to enroll in student health offered through your college or university.
- I’m an American college student and I plan to study abroad next semester. Am I required to have U.S. health insurance while I’m living in another country?
Yes, unless you qualify for another exception. If you are a student temporarily living abroad for part of the year, and don’t qualify for any other exceptions, you would be required to have health insurance or else pay a penalty. To find out more about the exemptions to the individual mandate click here.
- I’m currently on Medicaid. Will anything change for me? Do I need to reapply?
- I’m uninsured. Am I required to get health insurance coverage in 2014?
- On what grounds can I apply for a hardship exemption to the individual mandate?
- What does the Affordable Care Act mean for clients served directly by the Colorado Department of Human Services at 24-hour facilities including the Regional Centers, Mental Health Institutes, and youth facilities?
Clients at the Colorado Regional Centers for People with Developmental Disabilities receive health care coverage from Medicaid. They and their families do not need to change what they are currently doing.
Individuals at the Mental Health Institutes at Ft. Logan and Pueblo receive health care coverage in different ways, including under Medicaid, Medicare or private health insurance. In some cases, the state covers the costs of care. Nothing will change for individuals currently residing at the Mental Health Institutes.
Individuals who do not have coverage when discharged from the Mental Health Institutes may benefit from the Affordable Care Act. Some individuals might qualify for Medicaid. For others, it will reduce roadblocks so that they will be able to buy insurance without the worry of denial due to a pre-existing condition, such as mental illness, on the private market.
Youth in the care and custody of the Division of Youth Corrections receive health care, including mental health care, from state credentialed medical personnel. Youth in community facilities are Medicaid-eligible and receive care from a network of medical professionals. Nothing will change for youth at Division of Youth Corrections or in a community facility.
- What happens if I do not have minimum essential coverage or an exemption, and I cannot afford to make the shared responsibility payment when filing my tax return?
The IRS routinely works with taxpayers who owe amounts they cannot afford to pay. The law prohibits the IRS from using liens or levies to collect any individual shared responsibility payment. However, if you owe a shared responsibility payment, the IRS may offset that liability against any tax refund that may be due to you. For more information click here.
- What is the Medicaid expansion?
- What is the penalty if I do not have health insurance coverage?
- What qualifies as a short coverage gap?
In general, a gap in coverage that lasts less than three months qualifies as a short coverage gap. If an individual has more than one short coverage gap during a year, the short coverage gap exemption only applies to the first gap. For more information click here.
- What type of insurance satisfies the individual responsibility mandate to have health insurance?
To avoid a penalty, most Coloradans will need to have health insurance coverage beginning in 2014. Your health insurance coverage must provide minimum essential coverage. If you are covered by any of the following types of insurance in 2014, you satisfy the individual responsibility mandate to have health insurance and will not have to pay a penalty:
- Child Health Plan Plus (CHP+)
- Any plan purchased through the Connect for Health Colorado marketplace, or any individual insurance plan you already have.
- Any employer plan, including COBRA, with or without “grandfathered” status. This includes retiree plans.
- TRICARE (for current service members and military retirees, their families, and survivors)
- Veterans health care programs (including the Veterans Health Care Program, VA Civilian Health and Medical Program (CHAMPVA), and Spina Bifida Health Care Benefits Program)
- Peace Corps Volunteer plans
Other plans may also qualify. Ask your health insurance provider.
- When does the new Medicaid coverage start?
See: Get Covered
- Who is exempt from having insurance beginning in 2014?
- Who is impacted by expanded Medicaid?
- Will I have to do something on my federal income tax return to show that I had coverage or an exemption?
The individual shared responsibility provision goes into effect in 2014. You will not have to account for coverage or exemptions or to make any payments until you file your 2014 federal income tax return in 2015. Information will be made available later about how the income tax return will take account of coverage and exemptions. Insurers will be required to provide everyone that they cover each year with information that will help them demonstrate they had coverage beginning with the 2015 tax year. For more information click here.
- Will Medicaid count as coverage so I can avoid a penalty?
- Will Medicare change under the health reform law?