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Affordable Care Act FAQ's

Since the passage of the Affordable Care Act, individuals have had many questions and concerns about how this law affects them, their families and their businesses. Below are some of the common questions that are asked:

Check Our General Questions

If my family doesn’t have coverage, do we still have to pay a fine?

As of 2019, the tax penalty for being uninsured was repealed. You are now able to purchase insurance that does not meet minimum essential coverage as defined in the original ACA, without incurring a fine.

Would I qualify for a subsidy through Nevada Health Link if I refuse my employer’s plan?

Not if your group insurance plan meets the minimum essential requirements of the law, and if you are an eligible employee, you cannot qualify for a subsidy. Furthermore, since the coverage is considered affordable for you, it is also considered affordable for your family. Therefore, your family members would not qualify for a subsidy.

Who qualifies for a subsidy?

If you do not have affordable coverage through your employer, or if you fall between 138% and 400% of the Federal Poverty Level (depending on size of household), you can qualify for a subsidy.

What is considered affordable coverage?

If the premium that you pay is less than 9.699% of your income for the employee only, then the plan is considered affordable.

How many hours do I have to work in order to be considered an eligible employee?

You have to work 30 hours or more per week in order to be considered full time and eligible for benefits.

What if I am not eligible for benefits?

You can enroll in a plan through Nevada Health Link (the Exchange), and potentially qualify for a subsidy, depending on your family size and taxable household income. Or you can obtain coverage through a private insurance carrier. We are always available to help you with any questions or concerns that you may have. You can reach our benefits department at A and H Insurance at 775-829-2600 or 1-888-791-8579. You can also go onto Nevada Health Link’s website at www.nevadahealthlink.com