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Obamacare Facts vs. Myths

With a law as lengthy (1.000+ pages) and complex as the Affordable Care Act (i.e., Obamacare), there has been plenty of potential for misinformation and misunderstanding in the years since the law was passed.

Here are some common myths about Obamacare and the facts that refute them:

Myth: Americans are being forced to buy health insurance.

Fact: Americans are not being forced to buy health insurance -- they are, in fact, being incentivized to have important health coverage by having more options for more comprehensive coverage than ever before and receiving tax credits to help reduce the cost. However, anyone can decide not to buy health insurance and simply pay the fine, which has increased in 2016 to either 2.5% of your income or $695 per adult/$347.50 per child with no household limit.

Myth: If you like your health insurance plan, you can keep it.

Fact: Obamacare requires health insurance companies to offer only plans that meet 10 Essential Health Benefits, including coverage for preexisting conditions. Some Americans had plans that did not meet this requirement, and were informed by their insurance companies that those plans were no longer available. For some people, premiums have increased since there are more benefits; for those who qualify for tax credits, the cost of healthcare has become affordable now under Obamacare.

Fact: I can’t keep/choose my own doctor under Obamacare.

Fact: The Affordable Care Act did not create a government-run healthcare system in the U.S., so there will be no government intervention in Americans’ choice of healthcare providers. Your access to your doctor will be governed by the health insurance plan you choose -- as always -- not by the government.

Myth: Obamacare increases the federal deficit.

Fact: According to the Congressional Budget Office, Obamacare will reduce the deficit by more than $100 billion over the next 10 years, due to the tax increases and spending cuts that were part of the Affordable Care Act to offset the costs of expanding the availability of health insurance to more Americans.

Myth: Obamacare costs America jobs.

Fact: The Bureau of Labor Statistics says that the Affordable Care Act has had no impact on the employment rate in the U.S.

Myth: I will have to buy new insurance under Obamacare even if I’m insured by my employer.

Fact: While you will be allowed to purchase a new health plan during the Obamacare Open Enrollment Period, you can keep your employer-provided insurance if you prefer. Since Obamacare has mandated a broader scope of coverage, some employer health plans have experienced price increases. You can always shop to see if you can get a better rate here at ObamacareUSA.org or on the healthcare.gov website.

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ObamacareUSA.org is operated by Quotelab, LLC, which is an independent broker and is not a federal or state Marketplace website. This website is owned and operated by QuoteLab, LLC, a licensed insurance agency, NPN #19911386. Invitations for application for health insurance on QuoteLab, LLC, only where licensed and appointed. License numbers are available upon request and are provided where required by law. QuoteLab's license information can be found at https://www.quotelab.com/licenses.html.

Federal Contracting Statement: Plans are insured or covered by a Medicare Advantage organization with a Medicare contract and/or a Medicare-approved Part D sponsor. Enrollment in the plan depends on the plan’s contract renewal with Medicare.

Third Party Material (TPMO) (Medicare.gov): We do not offer every plan available in your area. Any information we provide is limited to those plans we do offer in your area. Please contact Medicare.gov or 1-800-MEDICARE (TTY users should call 1-877-486-2048) 24 hours a day/7 days a week to get information on all of your options.

This website may not display all data on Qualified Health Plans being offered in your state through the Marketplace website or the federal Medicare program. This is not a complete listing of plans available in your service area. To see all available data on Qualified Health Plan options in your state, visit your state Marketplace website, go to the Health Insurance Marketplace website at https://www.healthcare.gov or consult https://www.medicare.gov.

Submitting this form does NOT affect your current enrollment, nor will it enroll you in a Medicare Advantage plan, Medicare Prescription Drug plan, Medicare Supplement Plan, or any other Medicare plan. QuoteLab, LLC is independent of the Medicare program and is neither associated with nor endorsed by The Centers for Medicare & Medicaid Services (CMS) or any other governmental agency.

The plans represented on ObamacareUSA.org are Medicare Advantage HMO, PPO and PFFS organizations and stand-alone prescription drug plans with a Medicare contract. Enrollment in any plan depends on contract renewal. If you are paying Medicare Part B premium, you must continue to pay it to maintain coverage.

Not all plans offer all of these benefits. Benefits may vary by carrier and location. Limitations and exclusions may apply.

Every year, Medicare evaluates plans based on a 5-star rating system.

Part B Premium give-back is not available with all plans. Availability varies by carrier and location. Actual Part B premium reduction could be lower. Deductibles, copays and coinsurance may apply.

Based on median Medicare Advantage benefit amounts for dental available across multiple plans and metro areas. Not all benefits available in specific plans or regions.

This information is not a complete description of benefits. Contact the plan for more information.

Limitations, copayments, and restrictions may apply.

[Benefits, premiums and/or copayments/coinsurance] may change on January 1 of each year.

Advertised Pricing:

There are several factors that impact your monthly premium; including your age, geographical location, annual income, dependents, and the type of plan you choose. Monthly premiums do not include out-of-pocket costs.

The advertised price may not be typical. It was generated using the Kaiser Family Foundation's subsidy calculator that was accessed on September 16, 2020. The following parameters were used: 21 year old adult, non-tobacco user, annual income of $24,700 in 2020, no children, and no available coverage through a spouse's employer. The resulting monthly premium was $30 per month (or $360 per year after $2,751 in subsidies) for a Bronze Plan. Even when using the same parameters, the resulting premium and subsidy calculations may be subject to change.