![]() The Supreme Court ruling on the constitutionality of the ACA upheld the Medicaid expansion, but limited the ability of HHS to enforce it, thereby making the decision to expand Medicaid optional for states. All newly eligible adults will be guaranteed a benchmark benefit package that meets the essential health benefits available through the Exchanges. Expand Medicaid to all non-Medicare eligible individuals under age 65 (children, pregnant women, parents, and adults without dependent children) with incomes up to 133% FPL based on modified adjusted gross income (as under current law undocumented immigrants are not eligible for Medicaid).Require employers with more than 200 employees to automatically enroll employees into health insurance plans offered by the employer.Exempt employers with up to 50 full-time employees from any of the above penalties.Employers with 50 or more full-time employees that offer coverage but have at least one full-time employee receiving a premium tax credit, will pay the lesser of $3,000 for each employee receiving a premium credit or $2,000 for each full-time employee, excluding the first 30 employees from the assessment. Assess employers with 50 or more full-time employees that do not offer coverage and have at least one full-time employee who receives a premium tax credit a fee of $2,000 per full-time employee, excluding the first 30 employees from the assessment. ![]() Exemptions will be granted for financial hardship, religious objections, American Indians, those without coverage for less than three months, undocumented immigrants, incarcerated individuals, those for whom the lowest cost plan option exceeds 8% of an individual’s income, and those with incomes below the tax filing threshold (in 2009 the threshold for taxpayers under age 65 was $9,350 for singles and $18,700 for couples). Beginning after 2016, the penalty will be increased annually by the cost-of-living adjustment. The penalty will be phased-in according to the following schedule: $95 in 2014, $325 in 2015, and $695 in 2016 for the flat fee or 1.0% of taxable income in 2014, 2.0% of taxable income in 2015, and 2.5% of taxable income in 2016. Those without coverage pay a tax penalty of the greater of $695 per year up to a maximum of three times that amount ($2,085) per family or 2.5% of household income. citizens and legal residents to have qualifying health coverage. Expand Medicaid to 133% of the federal poverty level. Impose new regulations on health plans in the Exchanges and in the individual and small group markets. Require employers to pay penalties for employees who receive tax credits for health insurance through an Exchange, with exceptions for small employers. Create state-based American Health Benefit Exchanges through which individuals can purchase coverage, with premium and cost-sharing credits available to individuals/families with income between 133-400% of the federal poverty level (the poverty level is $19,530 for a family of three in 2013) and create separate Exchanges through which small businesses can purchase coverage. citizens and legal residents to have health insurance. Overall approach to expanding access to coverage Patient Protection and Affordable Care Act (P.L. The following summary of the law as originally enacted focuses on provisions to expand coverage, control health care costs, and improve health care delivery system. On March 23, 2010, President Obama signed comprehensive health reform, the Patient Protection and Affordable Care Act, into law. 14, 2018, a federal judge in Texas ruled that this change to the law’s individual mandate made the entire law itself unconstitutional, though that decision has no effect as the case works its way through the appeals process. Compare those plans here. As part of the Tax Cuts and Jobs Act of 2017, Congress eliminated the Affordable Care Act’s tax penalty for most people who are not covered by health insurance effective in 2019. Note: President Trump and Republicans in Congress have pledged to repeal and replace the Affordable Care Act, and unsuccessfully advocated several proposals to do so in Congress in 2017.
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