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The Patient Protection and Affordable Care Act (ACA) FAQs for Employees

General Questions

What is the Affordable Care Act?

In March 2010, President Obama signed into law comprehensive health reform known as the Patient Protection and Affordable Care Act (ACA). The law aims to expand access to affordable health-care coverage to all Americans, lower costs, and improve quality and care coordination. Many employers are required to make numerous changes related to health-care coverage. More information on the ACA can be found at www.healthcare.gov.

Am I required to have health insurance under the ACA?

Beginning on March 31, 2014, individuals without health insurance may be subject to a fine.

What is the Health Insurance Marketplace?

The Health Insurance Marketplace, sometimes known as the health insurance "exchange," was launched on October 1, 2013, as part of the ACA. It is a new way for Americans to purchase health insurance. More information on the Health Insurance Marketplace can be found at www.healthcare.gov.

When is the annual Open Enrollment period on the Health Insurance Marketplace?

The next open enrollment period on the Health Insurance Marketplace is November 15, 2014, though February 15, 2015, and coverage starts as soon as January 1, 2015. If you have a qualifying life event, you may be eligible to enroll outside the open enrollment period. More information on the Health Insurance Marketplace can be found at www.healthcare.gov

What is the Marketplace Coverage Options notice?

The notice is intended to provide UA employees with some basic information about the Health Insurance Marketplace and their health insurance options. ACA regulations require UA to provide this notice to all existing employees. This notice was distributed to UA employees on September 26, 2013. It has also been made available to all new employees hired on and after September 26, 2013. New employees receive the notice in their online new hire packet in UAccess Employee.

Is the Health Insurance Marketplace my only option for health insurance?

No. Health insurance benefits will continue to be available to eligible employees through UA and the Arizona Department of Administration (ADOA). Other options include Medicare, Medicaid, and private insurance. Non-benefits-eligible employees who enroll in coverage through the Marketplace may be eligible for subsidies. More information is available at www.healthcare.gov.


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