Affordable Care Act: Information For the Uninsured

The Affordable Care Act requires all Americans to purchase a plan. But for many, it will be the first time being insured. So what do you do if you've never purchased insurance before?
As of October 1st, millions of Americans will be able to sign up for insurance through open enrollment.  The Affordable Care Act requires all Americans to purchase a plan. But for many, it will be the first time being insured. So what do you do if you've never purchased insurance before?

48 million Americans are currently uninsured.  Under the Affordable Care Act, that group will soon be required to purchase health insurance...something many feel they can't afford. 

Shannon Frelich:  "It's going to be kind of rough."

Shannon Frelich is a single parent raising three children.  She currently receives free insurance through medical assistance.  But as of January 1st, she'll have to pay for coverage.

Shannon Frelich:  "I'm kind of forced to decide on whether do I take the work insurance or do I wait until the Market Place opens up and search for insurance through there?"


Becoming insured through her employer would cost Shannon $334 a month.  Plans purchased through the market place are estimated to cost between $200-$300. For a mother of 3 making 25-thousand dollars a year it's a large added expense. 

Shannon Frelich: "It's going to take a lot of budgeting…tight tight budgeting".   

But not purchasing health insurance would not only result in a 95-dollar fine it would also mean high costs for medical services. 

Ted Nickel/Commissioner of Insurance for WI "If you should fail to do that, you're out.  You cannot get sick and then get insurance if you will.  You're out until the next enrollment period begins next October."

If you're uninsured or losing coverage there are 3 very important dates to remember.  October 1st you can log onto healthcare.gov and begin looking at plans, by December 15th your fist premium payment is due and on January 1st 2014, your coverage begins.
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