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Affordable Care Act and The Marketplace

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Affordable Care Act Facts Affordable Care Act enrollment begins on Tuesday, October 1, 2013. More than three years after being signed into law by President Obama, the ACA is picking up speed and rolling out insurance reforms in hopes of improving the quality and lowering costs of health care. Here’s what you’ll need to know as a patient …




The Marketplace

With the ACA comes the “Marketplace” — an online health insurance store that is designed to give individuals more choice and control over their health insurance coverage. The Marketplace will allow individuals to compare coverage options based on price, benefits, quality, and other important factors. Plans sold through the Marketplace are offered by private companies and are required to deliver “essential health benefits,” a core set of benefits defined by the ACA.

The Marketplace will also be able to provide coverage for those who have been denied coverage in the past and for those simply looking for other options. By law, plans cannot charge women more than men for the same plan and pre-existing medical illnesses and medical conditions cannot be grounds for denial or cancellation of coverage.

What if an individual decides not to get health insurance this year? A penalty of 1% of an individual’s taxable income or $95 (whichever is greater) must be paid by those who choose to opt out of getting health insurance.

Applications for Marketplace coverage can be made online, by mail, or in-person. Open enrollment starts in less than two months, on October 1st. Both plans and prices will be made available then for coverage starting as soon as January 1, 2014.

Learn about how the Affordable Care Act is helping people in your state at



Contributor Tera Rowland

Tera Rowland is the vice president of Soliant and has worked in the healthcare staffing industry for almost 20 years in public relations, social media, marketing and operations. In addition to Soliant, Tera worked at the Mayo Clinic as an internal communication manager and for the Children’s Miracle Network. She is a member of the American Marketing Association and the American Staffing Association. Also, Tera has served on the board of directors for the Jacksonville Women’s Leadership Forum as part of the communication committee. She has a Bachelor of Science degree in Public Relations as well as a Master of Business Administration in Marketing from the University of North Florida and has been published in the Huffington Post, Healthcare Finance News, Healthcare Traveler Magazine, and Scrubs Magazine. Make sure to read the rest of Tera's blogs!