The Unemployed, The Uninsured and Obamacare

Obamacare, or the Affordable Health Care Act, starts enrollment tomorrow.

Depending on your particular unemployment situation there are several options that you may be able to choose from, but for the purposes of this post I'm focusing on single unemployed people with no dependents that live in Illinois.

In short---me.

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If you're single, unemployed with no dependents and are confused about all of this Obamacare stuff, pay attention.

No matter what anyone may tell you, having insurance will be MANDATORY on JANUARY 1, 2014. 

If you don't have insurance, you will be penalized unless you qualify for an exemption.  Being unemployed does not automatically make you exempt. 

Now that we have that out of the way...

Tomorrow, go to the Marketplace and follow these steps:

  1. Set up an account. First you'll provide some basic information. Then choose a user name, password, and security questions for added protection.

  2. Fill out the online application. You'll provide information about you and your family, like income, household size, current health coverage information, and more. This will help the Marketplace find options that meet your needs.

  3. Compare your options. You'll be able to see all the options you qualify for, including private insurance plans and free and low-cost coverage through Medicaid and the Children’s Health Insurance Program (CHIP). The Marketplace will tell you if you qualify for lower costs on your monthly premiums and out-of-pocket costs on deductibles, copayments, and coinsurance. You’ll see details on costs and benefits to help you choose a plan that’s right for you.

  4. Enroll. After you choose a plan, you can enroll online and decide how you pay your premiums to your insurance company. If you or a member of your family qualify for Medicaid or CHIP, a representative will contact you to enroll. If you have any questions, there’s plenty of live and online help along the way.

Courtesy of

To be honest with you, I don't know what to expect with this monumental new legislation.  Will the government completely muff this up?  Will people enroll?  Will it complicate an already nightmarish medical landscape for the consumer?

Only time will tell.

But for now I'm going to follow the plan.  Hopefully it will take me and other Americans on the road to a healthy future.


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