FEDERAL GOVERNMENT SITES
Health Reform in Action
(White House Page)
"What the New Health Law Means for You and Your Family."
The official consumer site for the Health Insurance Marketplace:
Health Insurance Marketplace
The Marketplace is a new way to find health coverage that fits your budget and meets your needs. With one application, you can see all your options and enroll. When you use the Health Insurance Marketplace, you'll fill out an application and find out if you can get lower costs on your monthly premiums for private insurance plans. You'll find out if you qualify for lower out-of-pocket costs. The Marketplace will also tell you if you qualify for free or low-cost coverage available through Medicaid or the Children's Health Insurance Program (CHIP). Open enrollment starts October 1, 2013. Coverage starts as soon as January 1, 2014.
Affordable Care Act (Health & Human Services site)
"About the Law: The Affordable Care Act puts consumers back in charge of their health care. Under the law, a new “Patient’s Bill of Rights” gives the American people the stability and flexibility they need to make informed choices about their health."
Centers for Medicare and Medicaid Services Official Resources
This page contains links to print applications for insurance coverage.
NEW JERSEY GOVERNMENT SITES
NJ Division of Banking and Insurance: ACA Frequently Asked Questions
Above page contains important caveat: “Many of the provisions require Federal agencies to promulgate regulations. Therefore, even those requirements that already exist under New Jersey law can be expected to be changed as a result of Federal regulations. The law that was passed consists of 2,407 pages. The reconciliation bill is another 153 pages. The following is therefore necessarily a high level overview in question and answer format, addressing only the major provisions of the law as they impact on the commercial insured markets in New Jersey, and based on the reconciliation bill as it looks today.“
NJ Division of Aging Services
This site offers information exclusively for Medicare recipients. It concerns the State Health Insurance Assistance Program (SHIP), which is conducted by the NJ Department of Human Services Division of Aging Services. It does not have information on the Affordable Care Act, but may be of interest to patrons currently receiving Medicare assistance.
"This tool illustrates health insurance premiums and subsidies for people purchasing insurance on their own in new health insurance exchanges (or “Marketplaces”) created by the Affordable Care Act (ACA). Beginning in October 2013, middle-income people under age 65, who are not eligible for coverage through their employer, Medicaid, or Medicare, can apply for tax credit subsidies available through state-based exchanges."
Glossary of Key Insurance Terms
Provided by Foundation for Health Coverage.
Health Law Helper
Interactive site that takes users step by step through various decision stages in a question and answer format and provides information on available insurance options in response to those questions.
AFFORDABLE HEALTH CARE ACT DOCUMENTS