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Obama Care Explained

Posted on October 25, 2013 by admin

What is Obama Care?

Obama Care is really called the Affordable Care Act. It was signed into law in 2010. The idea behind Obama Care is to provide affordable health insurance to every American. This law contains over a thousand pages of insurance and health care reforms. All are designed to make it easier and more affordable for every American to get coverage. With right around forty-four million Americans not being able to get health care coverage this law was created to change that. Although created with low income Americans in mind, every American will need to have health care insurance by January 1, 2014 or they will be charged a penalty.

What is the Obama Care Insurance Marketplace?

The Marketplace is where you go on the internet to find all of this affordable insurance. The idea is that you need to make more than four hundred percent of the poverty level in order to qualify. That works out to about $94,000.00 a year for a family of four. But do not get too excited because if your employer offers health care insurance, no matter how expensive, you do not qualify for the subsidized insurance.

If you do qualify then you can purchase your health insurance through the Marketplace. Go to today to find out if you qualify for everything that Obama Care offers. Remember this law was created to make health care affordable to everyone in America. So it only makes sense to take advantage of it.

The Penalties of Obama Care

In order to pay the subsidies for American health care you will be charged a penalty for not having health care insurance by December 15, 2013. If yo do not have health care insurance by then for every member of your family you will be charged roughly $98.00 dollars for every uninsured adult and $47.50 for every uninsured child. Or one percent of your yearly income whichever is higher. This money is going to pay for the subsidized insurance for the low income people of the country. This will be charged through the IRS on your 2015 tax return.


The idea behind Obama Care is that every American is given the opportunity to have insurance. While there is a lot of misinformation out there the fact is that times are changing. The government is going to make sure that everyone is covered. What this means to you is that eventually you will have insurance and be able to take care of yourself. This is a good thing and in the end it will become a great thing.