Enacted in March 2010, the Affordable Care Act (ACA) provides Americans a way to acquire quality health insurance they can afford.
ACA was designed to take effect in phases with the largest
changes in 2014. By law, most Americans now have to
carry health insurance to avoid paying a penalty fee for not
having coverage. Three
important key parts of this reform to remember are:
- Everyone is eligible for health insurance, regardless of medical condition.
- Most Americans are required to have health insurance.
- Tax credits and financial assistance is available to help pay for health insurance, if eligible.
Commonly Asked Questions
What if I am currently eligible to enroll in a Health Plan offered by the City of Riverside?
As a City employee eligible for health insurance coverage, you may not experience changes. Per the ACA, the City will be required to offer health insurance that is both affordable and meets the minimum value requirements. Please note that the City’s health plans meet the affordability and minimum value requirements as set by Federal law. In addition, all benefitted (full-time and part-time) employees who are eligible to enroll in the City’s health plans may consider enrolling in a health plan provided through the Marketplace, however, they may not qualify for the Government provided tax subsidy because the City’s plans meet the affordability and minimum value requirements. Furthermore, if City eligible employees enroll in a health plan through the Marketplace, they will opt-out of the City’s health insurance plan and lose the City’s contribution towards their health premiums.
What if I am currently not eligible to enroll in a Health Plan offered by the City of Riverside?
Per the ACA, starting in 2015 the City was required to offer
health insurance to employees that are considered “full-time”
based on hours worked. A “full-time” employee is defined as an
employee that works an average of 30 hours per week or more;
this includes employees that may not be currently eligible for
benefits (non-benefitted). Employees that are eligible based on meeting the full-time criteria will be notified by Human Resources and will be given the opportunity to enroll during next year’s Open Enrollment period.
When can I purchase coverage through Covered California?
Eligible individuals who experience a life-changing event
such as the loss of a job, death of a spouse or birth of a
child, they are eligible for special enrollment within 60 days
of the event. The annual open enrollment period for Covered
California is November 1st through January 31st.
What if I currently waive Health Insurance offered by the City of Riverside?
Employees who are currently waiving health insurance coverage may continue to do so provided that they are insured elsewhere or qualify for other insurance coverage such as Medicare. All employees who waive coverage will be required to recertify their option to waive coverage every year during the open enrollment period and provide proof of alternate coverage.