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What if I am retired and not eligible for Medicare?


Under the provisions of the Affordable Care Act (ACA) even if you are retired and not eligible for Medicare, you will be required to get insurance by January 1, 2014 or pay a fine to the IRS.  One of the provisions of the ACA is the individual mandate. The individual mandate is a provision that requires you and anyone else that you claims as a dependent on your income taxes, to have health insurance. If you do not have the minimum level of coverage or qualify for an exemption you will have to pay a penalty to the IRS.  The penalty for 2014 can be up to $95 per adult and $47.50 per child or 1% of family income whichever is greater.


You can meet the provision of the individual mandate by purchasing health insurance by the beginning of 2014. If you are a U. S. citizen you can enroll for insurance through the health insurance Marketplace. You can start at the federal online health insurance portal. Once you enter the portal you type in the state that you live in, and then be guided to your states insurance exchange. Once you enter the exchange you are directed to:


-          Create an account

-          Provide income information so the it can be determined if you qualify for a tax credit

-          Review the different plans.  The plans come in four categories (Bronze, Silver, Gold, and Platinum) and they have different deductibles, copays and out of pocket expenses.

-          Enroll in the plan 

-          One you enroll the plan your insurance can go into effect on January 1, 2014.

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