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Outside that period, you may qualify for a Special Enrollment Period due to qualifying life events or certain Medicaid/CHIP coverage termination situations during the temporary timeframe described.","https://schema.org",{"og:url":32,"og:type":78,"og:title":10,"og:site_name":45,"og:description":12},"article",{"robots":80,"canonical":32},"index,follow",{"doc_id":82,"site_id":7},301518,1790164757,{"code":4,"msg":85,"data":86},"success",[87,92,97,102,107,112,117,121,126],{"id":88,"doc_module":22,"doc_module_name":25,"category_name":89,"show_sort_weight":90,"slug":91},11,"Presentations",90,"presentations",{"id":93,"doc_module":22,"doc_module_name":25,"category_name":94,"show_sort_weight":95,"slug":96},12,"Resumes",80,"resumes",{"id":98,"doc_module":22,"doc_module_name":25,"category_name":99,"show_sort_weight":100,"slug":101},14,"Invoices",70,"invoices",{"id":103,"doc_module":22,"doc_module_name":25,"category_name":104,"show_sort_weight":105,"slug":106},15,"Posters",60,"posters",{"id":108,"doc_module":22,"doc_module_name":25,"category_name":109,"show_sort_weight":110,"slug":111},16,"Social Media",50,"social-media",{"id":113,"doc_module":22,"doc_module_name":25,"category_name":114,"show_sort_weight":115,"slug":116},17,"Forms",40,"forms",{"id":118,"doc_module":22,"doc_module_name":25,"category_name":29,"show_sort_weight":119,"slug":120},18,30,"letters",{"id":122,"doc_module":22,"doc_module_name":25,"category_name":123,"show_sort_weight":124,"slug":125},21,"Paper Templates",5,"papers-templates",{"id":127,"doc_module":22,"doc_module_name":25,"category_name":128,"show_sort_weight":4,"slug":129},158,"General","general-158",{"code":4,"msg":85,"data":131},{"doc_id":82,"user_id":132,"nickname":42,"user_avatar":133,"doc_module":22,"category_id":118,"category_name":29,"doc_title":10,"doc_description":12,"doc_content":134,"file_id":135,"file_url":136,"file_type":137,"file_size":138,"view_count":26,"is_deleted":4,"is_public":22,"is_downloadable":22,"audit_status":22,"page_count":124,"language":139,"language_code":8,"site_id":7,"html_lang":8,"table_of_contents":140,"faqs":141,"seo_title":142,"seo_description":12,"update_tm":143,"read_time":26},687197207057,"https://ap-avatar.wpscdn.com/davatar_29158cc5080c5b710cf443261637dec0","Health Insurance Marketplace Coverage Options and Your Health Coverage  \nForm Approved OMB No . 1210-0149 (expires 12-31-2026)  \nPART A: General Information  \nEven if you are offered health coverage through your employment, you may have other coverage options through the Health Insurance Marketplace (“Marketplace”) . To assist you as you evaluate options for you and your family, this notice provides some basic information about the Health Insurance Marketplace and health coverage offered through your employment.  \nWhat is the Health Insurance Marketplace?  \nThe Marketplace is designed to help you find health insurance that meets your needs and fits your budget. The Marketplace offers \"one-stop shopping\" to find and compare private health insurance options in your geographic area.  \nCan I Save Money on my Health Insurance Premiums in the Marketplace?  \nYou may qualify to save money and lower your monthly premium and other out-of-pocket costs, but only if your employer does not offer coverage, or offers coverage that is not considered affordable for you and doesn’t meet certain minimum value standards (discussed below) . The savings that you're eligible for depends on your household income. You may also be eligible for a tax credit that lowers your costs.  \nDoes Employment-Based Health Coverage Affect Eligibility for Premium Savings through the Marketplace?  \nYes. If you have an offer of health coverage from your employer that is considered affordable for you and meets certain minimum value standards, you will not be eligible for a tax credit, or advance payment of the tax credit, for your Marketplace coverage and may wish to enroll in your employment-based health plan . However, you may be eligible for a tax credit, and advance payments of the credit that lowers your monthly premium, or a reduction in certain cost-sharing, if your employer does not offer coverage to you at all or does not offer coverage that is considered affordable for you or meet minimum value standards. If your share of the premium cost of all plans offered to you through your employment is more than 9.12% 1 of your annual household income, or if the coverage through your employment does not meet the \"minimum value\" standard set by the Affordable Care Act, you may be eligible for a tax credit, and advance payment of the credit, if you do not enroll in the employment-based health coverage. For family members of the employee, coverage is considered affordable if the employee’s cost of premiums for the lowest-cost plan that would cover all family members does not exceed 9.12% of the employee’s household income. .1 2  \nNote: If you purchase a health plan through the Marketplace instead of accepting health coverage offered through your employment, then you may lose access to whatever the employer contributes to the employment-based coverage. Also, this employer contribution-as well as your employee contribution to employment-based coverage- is generally excluded from income for federal and state income tax purposes. Your payments for coverage through the Marketplace are made on an after-tax basis. In addition, note that if the health coverage offered through your employment does not meet the affordability or minimum value standards, but you accept that coverage anyway, you will not be eligible for a tax credit. You should consider all of these factors in determining whether to purchase a health plan through the Marketplace.  \n1 Indexed annually; see [https://www.irs.gov/pub/irs-drop/rp-22-34.pdf for](https://www.irs.gov/pub/irs-drop/rp-22-34.pdf for) 2023.  \n2 An employer-sponsored or other employment-based health plan meets the \"minimum value standard\" if the plan's share of the total allowed benefit costs covered by the plan is no less than 60 percent of such costs. For purposes of eligibility for the premium tax credit, to meet the “minimum value standard,” the health plan must also provide substantial coverage of both inpatient hospital services and physician","cbCaiaSzpvpuu3FC","https://ap.wps.com/l/cbCaiaSzpvpuu3FC","pdf",459785,"English","# PART A: General Information\n## What is the Health Insurance Marketplace?\n## Can I Save Money on my Health Insurance Premiums in the Marketplace?\n## Does Employment-Based Health Coverage Affect Eligibility for Premium Savings through the Marketplace?\n## When Can I Enroll in Health Insurance Coverage through the Marketplace?","[{\"question\":\"What is the Health Insurance Marketplace and what does it offer?\",\"answer\":\"The Marketplace helps you find and compare health insurance plans that meet your needs and fit your budget. It provides a one-stop way to shop for private plan options in your geographic area.\"},{\"question\":\"When can I save money on premiums through the Marketplace?\",\"answer\":\"You may save money if your employer does not offer coverage or offers coverage that is not considered affordable and does not meet minimum value standards. Your savings depend on household income and may include a tax credit.\"},{\"question\":\"How does employer-based coverage affect eligibility for Marketplace premium savings?\",\"answer\":\"If employer coverage is considered affordable and meets minimum value standards, you generally cannot get a tax credit for Marketplace coverage. If it does not meet these standards, you may be eligible for a tax credit and advance payments if you do not enroll in the employment-based coverage.\"},{\"question\":\"How do I enroll in Marketplace coverage and when is enrollment allowed?\",\"answer\":\"You can enroll during the annual Open Enrollment Period, typically starting November 1 through at least December 15. Outside that period, you may qualify for a Special Enrollment Period due to qualifying life events or certain Medicaid/CHIP coverage termination situations during the temporary timeframe described.\"}]","Health Insurance Marketplace Coverage Options and Your Health Coverage - Form Approved | PDF",1789783218]