Debbie Jones, our Endorsed Local Provider specializing in health insurance provides information on Medicare, health insurance, healthcare reform and other health-related at:

Affordable Care Act and You

Here are some common questions facing individuals and families:

How do you qualify for government subsidies?

Government subsidies are based on the adjusted gross income of your tax return, which is line 37 of your tax return.  In order to qualify for government subsidies related to the Affordable Care Act, your Adjusted Gross Income needs to be between 100 - 400% of poverty guideline levels.  The only way to get government assistance is through 

Do I pay the government for insurance?

No, the government only provides the subsidies that you may or may not be qualified for.  After determining the subsidy, you are directed to the insurance company to complete the signup.  You will pay the insurance company monthly.

What will I pay?

If you fall between the 100 - 400% of poverty guideline levels, you will pay a percentage of your income based on a sliding-scale. 

What if I don't qualify for subsidies, what can I expect?

If your adjusted gross income is above the 400% poverty level, then you are best served by purchasing insurance directly from an independent insurance agent, rather than sign up at

Do I pay more by going to the insurance company or an insurance agent?

No.  The prices for plans are identical for subsidy and non-subsidy policies.  The Federal Government mandated that insurance policies fit within the parameters of the law.  The advantage of an independent insurance agent is that they have the expertise to find the best plan for you, and there is no additional cost for this service.

Are there any preexisting conditions?

Starting January 1, 2014, pre-existing conditions will no longer exist.

What if I don't have insurance in 2014?

The government will penalize you 1% of your adjusted gross income or $95.00 per person, which ever is greater.  You must have insurance before May 1, 2014 to avoid the penalty.

What should I do now?

We encourage you to contact us and let us help you understand your situation and provide a solution for you and your family.  Debbie Jone specializes in health insurance and can assist you in choosing the right option for you.  Call Debbie at:  (800) 398-0793 or via email at:  One of our agents will address your inquiry directly.