{"id":8039,"date":"2016-08-29T08:29:18","date_gmt":"2016-08-29T12:29:18","guid":{"rendered":"http:\/\/www.nchealthplans.com\/news\/?p=8039"},"modified":"2016-09-08T11:08:17","modified_gmt":"2016-09-08T15:08:17","slug":"questions-about-obamacare-we-have-the-answers","status":"publish","type":"post","link":"https:\/\/www.nchealthplans.com\/news\/2016\/08\/questions-about-obamacare-we-have-the-answers\/","title":{"rendered":"Questions about Obamacare? We have the Answers"},"content":{"rendered":"

\"HealthAs Open Enrollment 2017 approaches, you may still have questions about health insurance under the Affordable Care Act (otherwise known as Obamacare<\/a>) and what you need to do to make sure you and your family have the coverage you need at the most cost-effective price available. \u00a0Having a licensed agent<\/a> as your point of contact is one of the best ways to get the answers you need. \u00a0Below are some of the questions we are most frequently asked here at NC Health Plans <\/a>along with our answers:<\/p>\n

    \n
  1. Do I have to have health insurance?<\/em><\/strong> \u00a0Yes you do. \u00a0Under the Affordable Care Act, you are required by law to carry health insurance or be subject to a tax penalty.<\/li>\n
  2. How much is the penalty for not having insurance?<\/em><\/strong> \u00a0In 2016, the tax penalty is $695 per person or 2.5% of your income, whichever is higher. \u00a0The penalty will likely increase in 2017.<\/li>\n
  3. Can I be exempt from the penalty?<\/em><\/strong> \u00a0Yes. \u00a0Under certain circumstances, you may obtain a tax exemption. \u00a0Visit the government website for a complete list of tax exemption reasons.<\/li>\n
  4. Do I qualify for a federal subsidy?<\/em><\/strong> \u00a0You may. \u00a0Federal subsidies are based on your Modified Adjusted Gross Income (predicted for 2017) and the number of people on your tax return. \u00a0For help determining whether or not you qualify, visit www.nchealthplans.com or call 888-765-5400 to speak with a licensed agent.<\/li>\n
  5. What if my income changes over the course of the year?<\/em><\/strong> \u00a0You are required to update any income changes with the federal Marketplace. \u00a0A failure to do could result in you having to pay back a portion of your premium tax credit.<\/li>\n
  6. Do I have to enroll through the federal Marketplace (Exchange)?<\/em><\/strong> \u00a0No; however, you do have to have an ACA compliant plan to avoid a tax penalty. You do not have to get your plan through the federal Marketplace and Blue Cross Blue Shield offers plans both on and off the Marketplace so if you do not qualify for a federal subsidy, you may want to apply directly.<\/li>\n<\/ol>\n

    Obtaining health insurance doesn’t have to be a headache. \u00a0At NC Health Plans we utilize the most up-to-date online and telephone application process available to help make the enrollment process easy and are available to answer any questions you may have about your health insurance needs. \u00a02017 quotes for BCBSNC health insurance will be available November 1st, when Open Enrollment begins. \u00a0For more information on North Carolina insurance coverage, please visit our website at www.nchealthplans.com <\/a>or call our toll free number 888-765-5400 and speak with one of our experienced and professional agents.<\/p>\n","protected":false},"excerpt":{"rendered":"

    As Open Enrollment 2017 approaches, you may still have questions about health insurance under the Affordable Care Act (otherwise known as Obamacare) and what you need to do to make sure you and your family have the coverage you need at the most cost-effective price available. \u00a0Having a licensed agent as your point of contact […]<\/p>\n","protected":false},"author":6,"featured_media":0,"comment_status":"open","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[14,659],"tags":[834,23,38,596],"class_list":["post-8039","post","type-post","status-publish","format-standard","hentry","category-bcbsnc-insurance","category-open-enrollment-2","tag-aca-health-plans","tag-bcbsnc","tag-nc-health-insurance","tag-obamacare"],"_links":{"self":[{"href":"https:\/\/www.nchealthplans.com\/news\/wp-json\/wp\/v2\/posts\/8039","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/www.nchealthplans.com\/news\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/www.nchealthplans.com\/news\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/www.nchealthplans.com\/news\/wp-json\/wp\/v2\/users\/6"}],"replies":[{"embeddable":true,"href":"https:\/\/www.nchealthplans.com\/news\/wp-json\/wp\/v2\/comments?post=8039"}],"version-history":[{"count":14,"href":"https:\/\/www.nchealthplans.com\/news\/wp-json\/wp\/v2\/posts\/8039\/revisions"}],"predecessor-version":[{"id":8135,"href":"https:\/\/www.nchealthplans.com\/news\/wp-json\/wp\/v2\/posts\/8039\/revisions\/8135"}],"wp:attachment":[{"href":"https:\/\/www.nchealthplans.com\/news\/wp-json\/wp\/v2\/media?parent=8039"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/www.nchealthplans.com\/news\/wp-json\/wp\/v2\/categories?post=8039"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/www.nchealthplans.com\/news\/wp-json\/wp\/v2\/tags?post=8039"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}