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Golden Ocean Insurance Center

Golden Ocean Insurance Center . Covered California 2014 . OBAMACARE /AFFORDABLE CARE ACT 오바마 케어. EXPANSION OF MEDICAID (MEDICAL) NO MEDICAL UNDERWRITING, UNIVERSAL COVERAGE – 새플랜 existing condition 모두커버 MINIMUM ESSENTIAL BENFITS ADVANCED TAX CREDIT (2014) TAX PENALITIES.

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Golden Ocean Insurance Center

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  1. Golden Ocean Insurance Center Covered California 2014

  2. OBAMACARE /AFFORDABLE CARE ACT오바마 케어 • EXPANSION OF MEDICAID (MEDICAL) • NO MEDICAL UNDERWRITING, UNIVERSAL COVERAGE –새플랜 existing condition 모두커버 • MINIMUM ESSENTIAL BENFITS • ADVANCED TAX CREDIT (2014) • TAX PENALITIES

  3. Covered California Insurance Carriers보험 회사 1. Alameda Alliance for Health HMO Hospitals: 12 Physicians: 3,100 2. Anthem Blue Cross of California EPO HMO Hospitals: 300 Physicians: 30,000 3. Blue Shield of California PPO Hospitals: 223 Physicians: 22,048 4. Chinese Community Health Plan HMO Hospitals: 9 Physicians: 315 5. Contra Costa Health Plan HMO Hospitals: 10 Physicians: 5,000 6. Health Net PPO HMO Hospitals: 204 Physicians: 44,000 7. Kaiser Permanente PPO Hospitals: 35 Physicians: 14,219 8. L.A. Care Health Plan HMO Hospitals: 35 Physicians: 1,005 9. Molina Healthcare HMO Hospitals: 29 Physicians: 4,568 10. Sharp Health Plan HMO SAN DIEGO ONLY Hospitals: 7 Physicians: 2,600 11. Valley Health Plan HMO SANTA CLARA ONLY Hospitals: 4 Physicians: 993 12. Ventura County Health Care Plan HMO VENTURA Hospitals: 6 Physicians: 176 13. Western Health HMO 8 NORTH COUNTIES Hospitals: 15 Physicians: 3,000

  4. MINIMUM ESSENTIAL HEALTH BENEFITS 필수 보험 • Ambulatory patient services 의료 수송 • Emergency services긴급 서비스 • Hospitalization 입원 • Maternity and newborn care 임신 • Mental health and substance use disorder services, including behavioral health treatment 정신 건강 • Prescription drugs 처방약 • Rehabilitative and habilitative services and devices 재활 및서비스 8. Laboratory services 실험실 서비스 9. Preventive and wellness and chronic disease management 예방 검진 10. Pediatric services, including oral and vision care 소아 구강 및 비전 케어

  5. Product Framework for Exchange Plans • 보험 Plans sold before 3-23-2010 are grandfathered and they can remain on the current coverage or move if they like. Plans sold after 3-23-2010 are non-grandfathered. These will be migrated into the “off exchange” precious metal plans. IN OFF

  6. Tax Penaltyfor individuals 벌금처벌 2017 and beyond: Annual adjustments 2016: Greater of $695 or 2.5% of taxable income 2015: Greater of $325 or 2% of taxable income 2014: Greater of $95 or 1% of taxable income

  7. Annual Open Enrollment Period 등록 기간 October 1st 2013 through March 31st 2014 October 15th 2014 through December 7th 2014 October 15th 2015 through December 7th 2015 October 15th 2016 through December 7th 2016

  8. Qualifying events to purchase “OFF” Open Enrollment Marital Status Changes to marital status are a qualifying event, which allow the policyholder to make changes to his policy. This can include adding a new spouse or removing a spouse. Employment An employment status change in a policyholder's dependent or spouse allows changes to health insurance coverage. For example, if a spouse changes from a full-time employee to a part-time employee. Or loss of Group coverage. Childbirth The birth of a child is a life event that allows the baby to purchase off AOE. Change in Eligibility Dependents may become ineligible for health insurance coverage after completing school or getting married. Affordability My current plan has become too expensive. Just moved to the state

  9. Making Care More Affordable세금 공제

  10. FEDERAL POVERTY LEVEL CHART

  11. Modified Adjusted Gross Income (MAGI)Line 32 on your 1040 form Modified Adjusted Gross Income (MAGI) is calculated by adding back certain items to your Adjusted Gross Income. Your Adjusted Gross Income (AGI) can be found on line 38 of your Form 1040; line 22 of your Form 1040A; or line 36 of your Form 1040NR. The following items must be added to your Adjusted Gross Income (AGI) to calculate your Modified Adjusted Gross Income (MAGI): Traditional IRA contributions that were deducted. Student loan interest amounts deducted. Tuition and fees deducted. Domestic production activities deducted. Foreign income or housing costs excluded on Form 2555. Foreign housing deduction taken on Form 2555. Savings bond interest excluded on Form 8815. Adoption benefits from an employer excluded on Form 8839.

  12. The big picture for individuals • Every American not covered under a government plan will have three options for health insurance in 2014: • Get coverage through their employer if available • Buy an individual market plan through either: • The individual market exchange – Purchaser may be eligible for subsidy • The off-exchange market • Go uninsured (will pay penalty unless they qualify for anindividual exemption)

  13. QUESTIONS?

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