If you are one of the over 3.6 million Pennsylvanians and New Yorkers without health insurance, then you should be aware that a new online health insurance exchange or marketplace is scheduled to open October 1 for coverage effective January 1, 2014.
The exchange, a part of the Affordable Care Act, will allow people to go online and shop from an assortment of government-approved health insurance plans. Also, it will match them with tax credits to make the coverage affordable. It's open to people who don't have access to a qualified plan at work.
The tax credits are available for a single person earning just under $16,000 up to a family of four with an income of about $94,000. The amount of the tax credit will vary by income and would be forwarded directly to their health insurance plan, with the process handled by the exchange.
Governor Tom Corbett has chosen to use the federal health insurance exchange site for Pennsylvania’s online marketplace at HealthCare.gov. In New York State insurance seekers may go to www.nystateofhealth.ny.gov.
Small businesses will also be able to shop for coverage on the exchange, which is intended to allow them to enjoy size-related savings previously available only to large companies
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