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Health Reform Implementation in CT

As of 10/1/2013

Associated Insurance Benefits LLC
Mike Leone - Andy Sophroniou

phone 860-621-7766 

• Effective Jan 1 2014 all Americans will be required to have health insurance or pay a penalty of 1% of income or $95 whichever is greater

• A health insurance purchasing website called a Health Insurance Marketplace or Market Place will be available to individuals beginning in Oct 2013. 

• Private insurance companies will market insurance products through this marketplace and accept enrollments on-line. PLEASE enter our agent number 487938 if you self-enroll, this will allow us to help you with service issues should they arise. Doing this will not change your premium.

• People with household income below 400% of the Federal Poverty Level (see page 3 for limits) will be eligible for a premium subsidy tax credit. The credit caps insurance cost at no more than 9.5% of household income. This credit is only available when coverage is purchased through the marketplace.

• There will be no medical underwriting for any health insurance plan.

• I expect many small employers to stop offering health insurance as a benefit once they figure out the rate savings in the individual plans. There are no penalties for employers who have less than 50 full time equivalent employees. Penalties on large employers have been delayed until 2015

• Plans will be semi-standardized, as: Bronze, Silver, Gold and Platinum plans.

• Enrollment is scheduled to start Oct 1 2013 and will continue until March 31, 

• Please call us for help with plan choice, enrollment or subsidy questions. Please enter our agent number 487938 if you enroll by yourself, it will allow us to help you with any future issues.