How the Affordable Care Act will affect certain groups - KCTV5 News

How the Affordable Care Act will affect certain groups

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What is the Marketplace?

The Marketplace is a new way to find quality health coverage. It can help if you don't have coverage now or if you have it but want to look at other options. With one Marketplace application, you can learn if you can get lower costs based on your income, compare your coverage options side-by-side and enroll.

Are you already covered by your employer?

If you have health insurance through an employer, you likely do not have to make any changes to your insurance coverage for you or your family, but you should check with your human resources department to learn more about your insurance plan's details.

Are you uninsured?

Depending on your yearly income, you may be able to get lower costs for your monthly premiums and out-of-pocket costs for you and your family when you get insurance through the Marketplace. Whether you qualify will depend on your household size and income. Plans and prices will be available October 1, 2013. You will learn your exact costs and savings when you apply.

Do you have a family with children?

The healthcare law allows you to keep your children on your health insurance policy until they are age 26. If you do not now include your adult children on your health insurance and you want to, you will be able to add them to your policy, if your insurer provides dependent coverage.

Are you currently on Medicaid?

You qualify for Medicaid based on income and family size. If you're eligible, you get free or low-cost care and don't need to buy a Marketplace plan. The rules for Medicaid eligibility are different for each state. Most states offer coverage for adults with children below a certain income level, as well as pregnant women, some seniors and people with disabilities. Under the healthcare law, Medicaid eligibility is expanding in many states. More people than ever will qualify for Medicaid starting in 2014. To see if you qualify for Medicaid, do one of these: Visit your state's Medicaid website or

Are you currently on Medicare?

Medicare is for people 65 and over and some younger people with disabilities.  If you have questions, contact Medicare directly at

Helpful links

AARP's website

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