2017 slcsp premium highmark

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Enter the date when your coverage began policy start date. If you are looking up the SLCSP for a month your family experienced a change in coverage, then enter the first date of the month you experienced the change. Click the Continue button. Months Covered Select all the month s in you had private coverage. If you or a member of your household were already enrolled in a Medica plan when you selected your plan, then check the box indicating you were covered by Medica.

If you moved during when you had coverage, you will be able to add another ZIP code later. Click the Search button. Select the County where you lived. ZIP Code and County If you moved to a different county for any of the months you had private coverage, enter the ZIP code and county for that location repeat steps in 3 and 4.

If you don't have another location to add click the Continue button. Confirm Locations Review the information to confirm your locations for the months you had private coverage. Use the Modify button to change information about the months you were covered. Your Coverage Family Select Yes or No to answer whether there are other people in your coverage family. In most cases, you will enter each person listed on your Form A.

Do not enter members of your coverage family who had access to other minimum essential coverage. Family Members If you chose to add more people, enter the date of birth for each person in your household who had private coverage. Select the months each person was covered. Continue to add more people as needed by clicking the Add another person button. Finish adding people by clicking the Continue button. All Family Members Review the birth dates and coverage months for each member of your coverage family.

If there are no edits, click the Continue button. Monthly Amount Summary The summary screen shows the second lowest cost silver plan premium amount for each month your coverage family had private coverage. Enter these amounts on Form See instructions for important information.

You may want to print a copy of this page for your records. If you continue to have technical problems with the Calculator after updating your browser, please contact the Kaiser Family Foundation.

Please note that we are not able to provide individual advice or assistance understanding your results. If you have additional questions, we suggest that you contact Healthcare. The calculator is intended to show you an estimate of how much you may pay and the amount of financial help you may be eligible for if you buy coverage through the Health Insurance Marketplace.

To find out if you are eligible for financial assistance and to sign up, you must contact Healthcare. Although the Health Insurance Marketplace Calculator is based on actual premiums for plans sold in your area, there are several reasons why your calculator results may not match your actual tax credit amount. Subsidies are financial assistance from the Federal government to help you pay for health coverage or care.

The amount of assistance you get is determined by your income and family size. There are two types of health insurance subsidies available through the Marketplace: the premium tax credit and the cost-sharing subsidy.

The premium tax credit helps lower your monthly expenses. These individuals and families will have to pay no more than 2. Anything above that is paid by the government. The amount of your tax credit is based on the price of a silver plan in your area, but you can use your premium tax credit to purchase any Marketplace plan, including Bronze, Gold, and Platinum plans these different types of plans are described below.

You can choose to have your tax credit paid directly to the insurance company so that you pay less each month, or, you can decide to wait to get the tax credit in a lump sum when you do your taxes next year. If you qualify for a cost-sharing subsidy, you would need to sign up for a silver plan to take advantage of it.

With a cost-sharing subsidy, you still pay the same low monthly rate of silver plan, but you also pay less when you go to the doctor or have a hospital stay than you otherwise would.

For more information, read the actuarial value question below. If you have more specific questions about your subsidy, you can consult our FAQ pages or contact an assister or navigator through Healthcare. The Health Insurance Marketplace Calculator allows you to enter household income in terms of dollars or as a percent of the Federal poverty level. Household income includes incomes of the person who pays taxes, the spouse, and children, known as dependents on tax returns.

For the purposes of the calculator, you should enter your best guess of what your income will be in When you go to Healthcare. The calculation does not include income from gifts, inheritance and some other income sources. For more information, see this table of what income sources to include or not include. The Federal poverty level varies by family size. Medicaid is a health insurance program offered through a partnership between states and the Federal government that helps with medical costs for some people who have limited income and resources.

Medicaid programs vary from state to state, but most health care services are covered at little or no cost. If you are eligible for Medicaid, then you would not be eligible for subsidies in the Marketplace and would instead need to sign up for Medicaid.

Currently about half of states have decided to expand their Medicaid programs and the other half have not. If you live in a state that has not expanded Medicaid and you expect your income to be above the poverty level, then you may be eligible for subsidies through Healthcare. If you expect that your income next year will be below the poverty level, then you may not be eligible for assistance through the Marketplace.

The Health Insurance Marketplace Calculator takes into account whether or not your state has decided to expand Medicaid, so you can use this tool to estimate of your eligibility for Medicaid.

Again, keep in mind that — even if your state did not expand Medicaid — you or some members of your family may still be eligible for Medicaid. To find out if you qualify for Medicaid, contact Healthcare. No, you cannot sign up for Marketplace coverage if you are eligible for Medicare.

Most people age 65 and older are eligible for Medicare, which is health insurance program run by the federal government. If you are eligible for Medicare, even if you did not choose to enroll in Medicare, you would not be able to purchase Marketplace coverage. When using the Health Insurance Marketplace Calculator, if some members of your household are eligible for Medicare and others are not, you should enter your full household size including those who are eligible for Medicare in Question 5.

For the following question 6 , please enter only those family members who are signing up for Marketplace coverage do not enter adults who are eligible for Medicare in Question 6. If you are over the age of 65 but not yet eligible for Medicare due to immigration status, you may be eligible for Marketplace coverage.

You can use the Health Insurance Marketplace Calculator by entering your age as As a result of the health care law, insurance companies cannot deny you coverage or make you pay more for your health coverage based on your health. In most states, older people will still pay more for health insurance than a younger person. The health reform law sets a new limit that people aged 64 and older can be charged no more than 3 times that of a 21 year old. Children under age 21 have slightly lower premiums and families with more than three children under the age of 21 will be charged premiums for no more than three children.

Vermont and New York are currently the only states that require all adults in a given plan to be charged the same rate. The cost of health insurance your monthly premium varies quite a bit by state, and even within regions of a state.

This is because of several factors, such as the cost of living and cost of health care services in your area. Your premium tax credit is tied to the cost of insurance in your area. If you live in a high-cost area, you may be eligible for more financial assistance. Premiums in the Health Insurance Marketplace Calculator are actual premiums in your area. It is possible that some plans may not be available in your particular zip code or county, though.

For this reason, you may get slightly different results when you apply for subsidies through Healthcare. Currently, only six states California, Massachusetts, New Jersey, New York, Rhode Island, and Vermont and the District of Columbia do not allow private health plans to charge higher premiums for people who use tobacco.

Medicaid programs have different rules; these programs do not allow tobacco surcharges in any state. The health law also makes clear that financial help through the Health Insurance Marketplace cannot be used to cover the portion of the premium that is due to a tobacco surcharge.