About The Affordable Care Act

The Affordable Care Act, or “Obamacare,” has expanded the availability of health insurance coverage to millions of Americans. However, signing up for insurance and getting the coverage you need can be confusing. With these New Jersey Health Care Quality Institute approved and authored resources, we hope to provide important information and links to help you learn more about the Affordable Care Act.

To Sign Up or Renew Your Healthcare Coverage

Coverage for 2017. Open Enrollment has closed but if you have a life event change such as having a baby, losing your coverage from your employer, or if you qualify for Medicaid or CHIP, you can sign up for health insurance here: https://www.healthcare.gov/ or call the Health Insurance Marketplace Call Center at 1-800-318-2596 TTY:1-855-889-4325.

Individuals who did not have health coverage during 2016 will be subject to a penalty. In 2016, the fee is the higher of either 2.5% of income or $695 per person. The fee is paid when you  file your federal tax return for the year you don’t have coverage.

For Businesses – if you have 50 employees or fewer, you can offer Small Business Health Options (SHOP) plans for your employees. Visit Small Business Health Options  Program (SHOP) or call the SHOP Small Employer Call Center at 1-800-706-7893 (TTY: 711). Mon-Fri, 9 a.m. – 7 p.m.  Agents and brokers helping small businesses can use this phone number also.


PLEASE NOTE: The information contained in this site is for general guidance only.

The application and impact of laws can vary widely based on the specific facts involved. Accordingly, the information on this site is provided with the understanding that the authors and publishers are not herein engaged in rendering legal, accounting, tax, or other professional advice and services. As such, it should not be used as a substitute for consultation with professional accounting, tax, legal or other competent advisers.

While we have made every attempt to ensure that the information contained in this site has been obtained from reliable sources, Quality Institute is not responsible for any errors or omissions,or for the results obtained from the use of this information. Certain links in this site connect to other websites maintained by third parties over whom Quality Institute has no control. Quality Institute makes no representations as to the accuracy or any other aspect of information contained in other websites.

 

Frequently Asked Questions

Overall Resource Links

  • HealthCare.gov
    Link: Where individuals can purchase plans, determine whether or not they are eligible for subsidies, or be connected to appropriate resources (like local in-person help) should they need them.
  • Glossary of Health Insurance Terms
    Link: Glossary of health insurance terms developed by the National Association of Insurance Commissioners.
  • U.S. Department of Labor: Health Reform Regulations
    Link: Department of Labor Health Reform Regulations - Affordable Care Act regulations for employers and employees.

Consumer Resource Links

  • NJ Family Care
    Link: Where individuals can enroll in NJ FamilyCare and Medicaid. You can call the NJ FamilyCare helpline 1-800-701-0710
    The hours of operation are: Mon &Thurs 8 a.m. - 8 p.m. and
    Tues, Wed & Fri 8 a.m. - 5 p.m.
    Information is provided in 19 languages
  • Check Eligibility for NJ Family Care
    Link: Where families can check if they are eligible for NJ Family Care.
  • AARP New Jersey Medicaid Fact Sheet
    Link: This brief explores how New Jerseyans may be impacted if Medicaid is changed to a Block Grant or Per Capita Cap system.
  • Medicare Plan Finder
    Link: Individuals can find and compare Medicare Plans based on their personal information and prescription needs.
  • Kaiser Family Foundation: Frequently Asked Consumer Questions
    Link: Answers to frequently asked questions offered by the Kaiser Family Foundation.
  • Questions about Premium Tax Credit
    Link: The premium tax credit is a refundable credit that helps people cover the premiums for their health insurance. To get this credit, you must meet certain requirements and file a tax return.
  • CoverNJ
    Link: A resource page for New Jersey residents to find out and sign up for health insurance
  • CoberturaNJ Site
    Link: A Spanish language resource page for New Jersey residents to find out and sign up for health insurance
  • Using your health insurance for better health
    Link: This site helps explain how to use health coverage and connect to primary care and the preventive services that are right for you. Offered by CMS.
  • Step by Step Guide to Using your Health Insurance
    Link: This booklet, offered by the NJ Hospital Association, explains how to use your insurance coverage to get health services.

Employer Resource Links