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If you are like me and live in a state like North Carolina, you are probably wondering if you can sign up to partcipate in the Health Insurance Market Place. States like North Carolina, South Carolina, and Texas did not accept federal funds to expand Medicaid. You may think you have the short end of the stick but all is not lost. I was able to find a website that will answer all your questions. The site is http://www.healthcare.gov
Below, I have listed some key points from the site. Please visit http://www.healthcare.gov for more information.
If you live in a state that’s not expanding Medicaid and you don’t qualify for Medicaid under your state’s current rules, one of two situations applies to you:
If your income is more than about $11,500 a year as a single person (about $23,500 for a family of 4, or 100% of the federal poverty level), you will be able to buy health insurance in the Marketplace and get lower costs based on your household size and income.
If you make less than about $11,500 a year as a single person (about $23,500 for a family of 4), you’ll be able to get insurance in the Marketplace–but you won’t be able to get lower costs based on your income. If you buy insurance in the Marketplace, you will have to pay full price.
Uninsured people in states that aren’t expanding Medicaid don’t have to pay a fee
Under the law, anyone who has health care coverage available and can afford to buy it must have coverage or pay a fee.
But you won’t have to pay this fee if:
you live in a state that isn’t expanding Medicaid to cover people in your situation, and
you don’t qualify for either Medicaid or lower costs on Marketplace coverage. This is called an exemption. You can get an exemption when you apply for coverage in the Marketplace.
Apply for Medicaid, even in states that aren’t expanding it in 2014
Even if your state is not expanding Medicaid, you should apply for coverage to see if you qualify. Your medical needs or unique circumstances might mean you qualify.