• What does the Affordable Care Act mean for Freelance Writers? The Affordable Care Act, also known as Obamacare, aims to provide affordable health insurance to millions of uninsured Americans.

    You may not be able to conjure up as many assignments as you'd like, but in the event you got sick or a big medical bill came due, you could write yourself a happy ending by having health insurance.

  • How does health insurance help me and my family? The Affordable Care Act adds new benefits to health insurance plans. No one can be denied insurance based on pre-existing conditions -- and all segments of the population will receive additional benefits.

    Men

    Free primary care visits, blood pressure screening, tobacco use screening, HIV screening

    Women

    Free well-woman visits, gestational diabetes screening, domestic violence counseling, mammograms

    Children

    Free primary care visits, immunizations, obesity screening, autism screening

  • What does health insurance cost for Freelance Writers? Many Freelance Writers qualify for subsidies, also known as premium assistance or tax credits.Individuals who make up to $45,960 and families of four that earn up to $94,200 are eligible for discounted rates. Check below for NerdWallet’s estimate of your monthly premium after income-based subsidy discounts.

    • Individual

    • $252/month

    •  

    • Family of 4

    • $936/month

    •  

    Individual prices are for a 21-year-old freelance writer earning an average salary of $55,000. Family prices are calculated based on a dual-income couple with two young children. Individual and family prices assume a 40-hour work week. These estimates are based on the lowest-cost silver plans in your state.

  • Which type of plan should I pick? Affordable Care Act plans are divided into four metal tiers to allow for "apples-to-apples" comparisons. You should also choose the correct plan type type (HMO, PPO, EPO), which varies across metal tiers.

  • Where can I buy health insurance in New Jersey?

    comparison shop

    Want to compare your Affordable Care Act and traditional options side-by-side and at your own convenience?

    marketplace

    Depending on where you live, you’ll have access to either a state-run or federal marketplace. See what’s available in your local area.

    agent

    Need personalized recommendations and specific answers to your questions, for the same price?

    phone

    Prefer to call? The government’s call center is open 24/7 at1-800-318-2596.

  • What is the penalty if I don’t buy insurance? If you decide against buying health insurance in , the federal government will assess a penalty on your annual taxes. Use the equations below to calculate what you will owe.

  • You can buy 2015 health insurance plans starting November 15, 2014.
    See if you can still qualify for a subsidized, Affordable Care Act plan in 2014. Buy an unsubsidized plan anytime at eHealthInsurance.com

  • What if I already have health insurance?
    You may wish to stay with your current plan. But, you owe it to yourself to see if you qualify for a subsidy and can get a better rate through the new Affordable Care Act plans. Follow these suggestions to compare your old plan to new marketplace plans.

Disclaimer: This site not intended to provide any personal health information and does not guarantee health outcomes or prices. Please consult a physician for medical advice.

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