These New England States Require Health Insurance, And Could Fine You If You Don't Enroll
Few states in the United States require all able-bodied residents to have health insurance, and three of these are in New England.
The Affordable Care Act, also known as Obamacare, passed in 2010, mandated health insurance coverage for almost all Americans, but Congress later repealed individual mandate punishment in 2017, meaning people will no longer be financially penalized on the federal level for not having health. insurance .number
Currently, about 26 million people in the US do not have health insurance.
By 2022, only five states and the District of Columbia will require state-level health coverage under local versions of individual mandates. In New England, Massachusetts, Vermont, and Rhode Island, all health insurance is compulsory for eligible residents, meaning those who cannot afford health insurance or have a disability are not penalized. New Jersey and California also require all residents to be insured.
The United States has an annual open enrollment phase during which people can enroll in health plans for the following calendar year. People are encouraged to apply for insurance coverage between January 1 and December 15. The application deadline is January 15, 2023 in most states.
This year's open enrollment is especially important because, according to the Department of Health and Human Services, 15 million Americans could lose their Medicaid coverage when the COVID-19 health emergency ends, in some cases for reasons as simple as like no address. or contact information.
Once the emergency ends, states will begin reviewing who is eligible for coverage that has been barred to them since 2020 to ensure continued Medicaid coverage for low-income people.
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The Biden administration said it would give states 60 days to prepare. Public health emergencies must be renewed every 90 days to remain in effect and currently expire on January 11, 2023. The Centers for Medicaid and Medicare Services are asking states to develop emergency layoff plans.
Between February 2020 and July 2022, enrollment in Medicaid and Children's Health Insurance increased by more than 26% nationwide.
Does Massachusetts need health insurance?
The Massachusetts Health Reform Act requires most residents over the age of 18 who can afford health insurance to have year-round coverage or face a penalty on their tax returns, the state said in a statement.
The tax penalty can be as high as $1,908 per year or $159 per month for individuals.
Penalty Each month a person fails to comply, they will not be penalized for breaking coverage for less than three months. Individuals with an income of 150% or less of the federal poverty line are not penalized.
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Massachusetts residents must enroll in a plan that meets the minimum requirements for eligible coverage—the minimum level of benefit that is considered reasonably insured and avoids financial penalties from the state. The state states that most plans are MCC compliant, and insurers must provide a notice of compliance for their MCC plans to determine if they are compliant.
Residents can file an appeal if they face government-recognized hardships such as eviction, business closure, death, or bankruptcy.
Does Rhode Island need health insurance?
The Rhode Island health insurance mandate went into effect on January 1, 2020, and requires all residents, except those legally exempt, to have appropriate health insurance—through an employer, directly from a health insurance provider, Medicare, and Medicaid, or planning to purchase health insurance. insurance. About HealthSource RI, the national health exchange.
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Rhode Island imposes a personal income tax on those who do not apply for health insurance. States calculate fines using the “shared liability” worksheet. The fee is calculated at 2.5% of annual family income per person or per person ($695 per adult and an additional $347.50 per child under 18), whichever is higher.
Like Massachusetts, Rhode Island offers a hardship exemption that you can apply for.
Does Vermont require health insurance?
Vermont's Personal Health Insurance Mandate, effective January 1, 2020, requires most residents 18 years of age and older to have eligible health coverage and report it on their state tax returns.
But unlike Massachusetts and Rhode Island, this is a toothless individual mandate. Vermont does not impose penalties for non-compliance. Instead, the state's message to the public that "it's important to cover every Vermonter" informs residents that health insurance reduces the risk of costly medical bills; Assistance with medical expenses, doctor visits and inpatient treatment; And help people stay healthy by paying for annual checkups, screenings, and shots.
Vermont law requires individuals to file state income tax returns showing whether they have health insurance coverage for each month of the year.
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When does the registration period open? How to get health insurance?
The statewide open enrollment period begins November 1st and runs until January 15th, 2023. For more information, visit healthservices.gov or your state health marketplace website.
■ Rhode Island - HealthSourceRI
∎ Massachusetts Health Connector
∎ Vermont Health Connect
∎ New Hampshire promotes the federal health insurance market
∎ Maine – CoverME.gov
∎ Connecticut - Access to Health City
This article originally appeared on the USA TODAY network: Massachusetts, Vermont, Rhode Island need health insurance.
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