FREE HEALTH INSURANCE is coming for may Americans.

Depending on your household income, you may get a subsidy from the US government to help off-set a health care exchange plan making you feel like you are getting free health insurance.

Your state may have opted for the federal health care exchange, or opted to do their own but in any case come 2014 you may not have to pay for health insurance and get practically FREE HEALTH INSURANCE.

17 states operating State-based Marketplaces and several have decided to go with the federal options for many different reasons.




Depending on which one of the plans you go with, will depend on your out of pocket:


Health Care Market Place, reducing the nation’s uninsured rate.


As of September 2013, states and the federal government are on the eve of their October 1st launch of open enrollment for the new Health Insurance Marketplaces, where consumers will be able to shop for and purchase private coverage and potentially receive subsidies to lower the cost of that coverage. Achieving adequate enrollment through these Marketplaces will be important for fulfilling the Affordable Care Act’s (ACA’s) goal of reducing the nation’s uninsured rate.


What do the coverage levels mean?

According to the Kaiser Family Foundation, the actuarial values for the four levels of coverage are:

  • Bronze: 60 percent.
  • Silver: 70 percent.
  • Gold: 80 percent.
  • Platinum: 90 percent.

This means if you sue the plans you are going to have to pay. The entire reason for insurance is to help you from having to suffer huge costs unexpectedly.


States with their own exchanges


17 states operating State-based Marketplaces


Enrollment Options


The Affordable Care Act (ACA) creates several programs to provide outreach and enrollment assistance to individuals, families, and small businesses seeking to obtain health insurance coverage through the coverage expansions that will take effect in January 2014. Two key programs, the Navigator program and the In-Person Assister (IPA) program




Homeless impact?


Homeless are targeted for outreach with many governmental agencies when it comes to the new health care, many may gain access to health coverage under the Affordable Care Act s Medicaid expansion, which takes effect in 2014. A study, found in Health Affairs, reviews the health insurance coverage,  status, and services use of 725  homeless adults with disabilities in 11 cities .Nearly 3/4 of the these homeless adults were not enrolled in Medicaid and may be eligible but not receptive based on their current non-activity in the existing system.




In my surrounding area, there are an estimated 2.8 million people who will have benefits starting 2014 that currently do not, according to Urban Institute estimates.







Urban Institute estimates based on ACS-HIPSM, prepared for the Kaiser Commission on Medicaid and the Uninsured, 2013.