Discussion Forum
A place for registered ACHA members to discuss issues with other members of the ACHA community and provide and receive support.

Do I Have to Have Insurance,

and If So, How Do I Get It?

Everyone in the United States must have insurance beginning January 1, 2014.

If you don’t have insurance by this date, you must pay a fine unless you fit into one of these groups.

  • You are a Native American
  • You have religious reasons
  • You are in jail
  • You can show a “hardship”
  • Your income is below the tax filing threshold

You can buy insurance through ACA in one of three ways:

  • From your job if it is available;
  • Through your state Health Insurance Marketplace or, if your state does not have a Marketplace, through the Federal Health Insurance Marketplace;
    • Updated information can be found at www.healthcare.gov.  
  • Through the expansion of Medicaid.
    • Many states have chosen not to expand Medicaid. To see what your state is doing, click here and choose your state at the bottom of the page

If you are under 30 years of age or have received a hardship “exemption” from having health insurance, you can buy a Catastrophic Insurance Plan. This type of plan protects individuals from unexpected high costs due to unexpected hospitalization, illness or accident.

  • All family members must meet the same requirements.
  • The plan covers three primary care visits and all preventive care.
  • The deductible is high, but premiums are lower. Once the deductible is met, the same health benefits that other Health Insurance Marketplace plans have are available.
  • Tax credits for lower premiums are not available.