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How to Sign Up for the Affordable Care Act or Obamacare

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How to Sign Up for the Affordable Care Act or ObamacareSo, how do you sign up for the Affordable Care Act (ACA) or Obamacare, as it’s also known? The Patient Protection and Affordable Care Act is President Obamas plan that requires all Americans that don’t have medical health insurance to get healthcare coverage. This insurance would give them access to affordable healthcare that would even cover pre-existing conditions. After years of political wrangling, President Obama was able to get the ACA passed into law. It had to withstand legal challenges that went up to the Supreme Court, which approved the plan. Many Americans are having trouble or don’t know how to sign up for the Affordable Care Act. There are several reasons why people are having trouble with the plan but I want to focus on how to get past the problems and tell you how you can get signed up for a medical healthcare plan.

HealthCare.gov

One way to sign up for the Affordable Care Act is to go to the HealthCare.gov website. HealthCare.gov is a marketplace where you can get information on insurance plans for individuals, families, and businesses and set up a personal account to sign up for an insurance plan. Unfortunately, the website has had problems since the open enrollment period, October 1, 2013 – March 31, 2014 began. Apparently the website couldn’t handle the millions of people trying to log on and had to be fixed to accommodate the flood of users. That said, it’s still a good way to sign up for Obamacare. The trick is to log on either early in the morning or late at night. Not as many people are trying to use HealthCare.gov during these off-peak hours. That gives you a chance to get on the site, choose a plan and get signed up when the site is running smoothly. Though the site has had its problems, it’s much better than it was in the beginning.

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Healthcare Insurance Providers

Another way to signup for the Patient Protection and Affordable Care Act is through insurance providers in your area. One such provider in my area is SC Blue. SC Blue is the South Carolina Blue Cross Blue Shield provider of PPACA medical healthcare plans. They have licensed insurance professionals that will sit down with you and help you find a medical healthcare plan that suits your needs. They also have access to HealthCare.gov and the information on the site. Insurance professionals like these can simplify Obamacare, answer your healthcare questions, and help you set up an account to sign up for a plan for yourself, your family or your employees on HealthCare.gov. Hopefully you can do this and not pay too much for Obamamacare.

More Insurance Providers

  • Blue Choice (SC Blue sister company)
  • Coventry
  • Consumers’ Choice

How to Get the Obamacare Tax Credit

However you choose to sign up for a healthcare plan, you’ll need to know whether your annual income from 2013 will be the same or if it will change because your tax credit is based off of your income. If your income varies, you can estimate what you think it will be in 2014. If there is a major difference between your estimate and your actual income in 2014, you can make adjustments in your account on HealthCare.gov. You can also call 1-800-318-2596, TTY: 1-855-889-4325, Monday through Friday, 9 a.m. to 7 to get help from an associate. For those that sign up in future years you’ll need to know your salary for the previous year.

How to Sign Up for the Affordable Care Act or Obamacare
General Contributor
Janice is a writer from Chicago, IL. She created the "simple living as told by me" newsletter with more than 12,000 subscribers about Living Better and is a founder of Seekyt.

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