The official ObamaCare enrollment period ends on January 31, 2017. Important Notice: Its urgent, to avoid future fines and penalties, to sign up for health insurance under the Affordable Health Care Act.


Individuals & Families: Find out the most cost efficient healthcare insurance for you.


  1. The Individual Mandate includes and affects you, your children and anyone else you claim as a dependent on your taxes.
  2. Individual market policies, job-based coverage, Medicare, Medicaid, CHIP and TRICAR are considered Minimum Essential Coverage under the Affordable Care Act.
  3. Subsidies offered in the Marketplace are aimed at people with incomes between 139% to 400% of the FPL (federal poverty level). The current 139% FPL is $23,050 for a family of four and the 400% is $92,200.
  4. People whose health coverage may cost more than 8% of their household income may be exempt from the requirement to obtain coverage or pay the penalty.
  5. If you’re uninsured for less than 3 months in a year, you don’t have to make a payment. This is known as the “Coverage Gap.”
  6. The fee for not having insurance in 2014 is $95 per adult and $47.50 per child or 1% of your taxable income (up to $285 for a family), whichever is greater.
  7. The Affordable Care Act requires insurance companies to cover people with pre-existing health conditions.
  8. Insurance companies can’t deny coverage or charge more for people with pre-existing conditions.
  9. Insurance companies can no longer deny you for any reason other than fraud.
  10. Insurance companies can’t put lifetime or annual dollar limits on Essential Health Benefits for most life threatening sickness.
  11. All Americans will have an option to purchase or be provided with health care based off their income and employment.
  12. ObamaCare doesn’t change the way insurance is obtained, you can still buy private insurance, get employer based insurance, or insurance through a government program.
  13. The fee, also known as the “Tax Penalty,” for not having insurance coverage by 2014 increases every year.
  14. Exclusions for pre-existing conditions for children under age 19 have been removed.
  15. Children may continue coverage on their parents’ plan until age 26.
  16. The Patient Protection and Affordable Care Act (PPACA), The Affordable Care Act (ACA) and ObamaCare are all the same bill.
  17. The Marketplace lets you compare what different plans have to offer before you apply.
  18. Each state has its own Marketplace. To visit yours and enroll go to
  19. Age, geographic location, tobacco use, individual vs. family enrollment and plan category are the factors that affect premium costs in the Marketplace.


ObamaCare By State