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Healthcare Is Now An Affordable For All Americans. Explore Your options.

Improving Your Healthcare Options Can Drastically Improve Your Overall Quality Of Life.

Our goal is a simple one; to provide Americans with the information they need in order to make an informed decision about the new healthcare laws. The subject matter of the Affordable Healthcare Act, also known as ObamaCare, can be complex and confusing for an individual who is familiar with the healthcare system, but for someone who is exploring the health insurance system for the first time, it can be completely bewildering.

The new laws can actually have an effect on a U.S. citizen’s annual federal tax refund. Therefore, it is essential that every individual have access to unbiased information and the ability to understand the Affordable HealthCare Act. We also feel that this information should be provided to the general public for free.

We hope that our network of websites and our free guide helps to make the information and responsibilities imposed on all of us by the ObamaCare Act a little more understandable and a little less scary and burdensome.

The Individual Mandate:
Here is how the Individual Mandate will work: a person with health insurance through a private company will have to provide proof of an active insurance policy on their tax return. This procedure may change as the reporting process gets more sophisticated. A person with health insurance through Medicaid or their employer will not have to report the policy on their tax return. Presumably this will be the same if the citizen opts for insurance through the state/federal health exchange.

If a citizen meets one of the few exceptions to the Individual Mandate, they will not be taxed for failing to obtain health insurance.

The exceptions are:

The citizen meets the standard for having a financial hardship;
The citizen is exempt from filing a Federal Income Tax Return;
The citizen is a Native American who receives health insurance through a different governmental program;
The citizen has been without health coverage for three months or less;
The citizen is imprisoned;
The citizen qualifies for a religious exemption specifically recognized under the Act;
The citizen is under the age of 26 years old and is on his/her parent’s policy;
The person is an illegal immigrant.
If you do not meet one of the exceptions above and you have failed to obtain health insurance by January 2014, be prepared to pay up because there is a cost and it is one that increases each year of continued noncompliance.

The ObamaCare Act will impose the following tax for each year of non-enrollment with a healthcare provider:

The tax for a violation of the Individual Mandate in 2014 is $95.00 or 1% of the person’s income up to $285.00 whichever is greater. 
The tax for a violation of the Individual Mandate in 2015 is $325.00 or 2% of the person’s income up to $975.00 whichever is greater.
The tax for violation of the Individual Mandate in 2016 is $695.00 or 2.5% of the person’s income up to $2,085.00 whichever is greater.

Many young people, who do not currently have insurance and feel it may be unnecessary because they consider themselves to be healthy, should keep in mind the following information: waiting until the second or third year of ObamaCare might actually end up costing more when compared to the price of an inexpensive insurance policy that could have been purchased in the first year, when the person was younger. The health insurance industry regards young and healthy individuals as the least likely to have higher insurance costs (or more risk).

The best option overall is to simply explore what your options are. Obtaining a quote now takes very little time, costs nothing and will provide you with the information necessary for you to make the decision that is best for your particular needs.