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- 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.
- Does the decision to phase out non-ACA compliant health plans impact grandfathered plans?
No. Grandfathered plans, as defined by the Affordable Care Act (ACA), are plans with an effective date prior to March 23, 2010, before the ACA became law. Grandfathered plans can continue as long as the insurance company does not make any significant changes to the plan or its benefits.
- How do I prove that I had health coverage and satisfied the mandate?
- I have purchased private health insurance through the Connect for Health Colorado marketplace. Who do I contact to find out more information about my benefits and premiums?
You should contact your insurance carrier directly for information on your plan’s specific benefits and covered services. Your insurance carrier can also tell you when your premium payments are due.
- 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 Health First Colorado (Colorado’s Medicaid Program) beginning in January 2014. To find out if you qualify for free or low cost health insurance through Health First Colorado 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.
- Also, if you are a student, you may be able to enroll in student health offered through your college or university.
- 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.
- What is the difference between public and private health insurance?
See: What is the difference between public and private health insurance?
- What kind of notices can consumers expect regarding non-ACA compliant health insurance plans?
Insurance companies are required to provide a notice of termination at least 90 days before the expiration of the plan, or 180 days if the company is leaving the Colorado insurance market. The notice must contain information about any ACA-compliant plans the insurance company offers, the availability of Affordable Care Act (ACA) plans through Connect for Health Colorado, and the consumer’s ability to shop for an ACA plan offered by any other insurance company. Insurance companies cannot automatically enroll, or “map,” a policyholder into a new plan from their company.