Affordable Care Act


What does the Affordable Care Act do?

  • Creates the Health Insurance Marketplace
  • Requires insurance companies to cover individuals with pre-existing conditions
  • Helps you understand the coverage you’re getting
  • Holds Insurance companies accountable for rate increases
  • Makes it illegal for insurance companies to cancel your policy because you got sick
  • Protects your choice of a doctor
  • Covers young adults under 26
  • Provides free preventative care
  • Ends lifetime and yearly dollar limits on coverage essentials
  • Guarantees your right to appeal

*Although the future of the Affordable Care Act is unclear at this time, it is still currently  in place. We will continue to update this page to provide information if and when changes are implemented.*

Who does it affect?

  • Family
    • Traditional Family
    • Same-sex Family
    • Non-Traditional Family+
  • Seniors (65 and older)
  • Children
  • Pregnant Women
  • Adults
    • Gay or Straight
    • Male or Female*
    • Female-to-Male or Male-to-Female

+Non-Traditional Family includes but not limited to: step-parents, legal guardian/custodian, foster parents, cohabitate couple, and grandparents.
*Washington Health Plan Finder website only has options for “Male” or “Female” selection, limiting options for other sexual orientation/identities.

Who is eligible?

  • All American Citizens and Permanent Residents were required to have insurance by/before March 31, 2014. There are penalties for not enrolling.
  • There are exemptions however, they are:
    • Incarceration
    • Religious beliefs/values object to the acceptance of benefit from health insurance
    • American Native/Alaskan Indian
    • Undocumented Immigrant
    • Have income below tax filing threshold
    • The lowest cost plan premium exceeds 9.5% the individual’s annual income

What are the penalties?

  • 2014: $95 per adult and $47.50 per child (up to $285 for a family) or 1% of income, whichever is greater.
  • 2015: $325 per adult and $162.50 per child (up to $975 for a family) or 2% of income, whichever is greater.
  • 2016: $695 per adult and $347.50 per child (up to $2,085 for a family) or 2.5% of income, whichever is greater.

Where to enroll?

PCAF’s Healthcare Enrollment Specialists

Washington Health Benefit Exchange

Washington Health Plan Finder