Affordable Care Act

The Affordable Care Act puts in place comprehensive health insurance reforms that may affect Western Michigan University students. Explore plans, eligibility, and enroll directly (during open enrollment periods) via www.healthcare.gov or receive additional assistance by calling (1-800) 318-2596. Sindecuse Health Center can help you acquire health insurance with a University-sponsored plan.

All marketplace plans must include a wide range of new benefits including wellness visits, preventative tests, hospital visits, pregnancy and more.

  • Pre-existing conditions will no longer affect eligibility or cost of your insurance
  • You can’t be denied health coverage based on health status
  • Young adults can stay on a parent's plan until they turn 26
  • Your coverage can’t be dropped if you are sick
  • Health insurers can’t place lifetime or yearly limits on your coverage

The cost of the insurance works on a sliding scale based on your income. When you apply for the marketplace you’ll find out if you qualify for:

  • Free or low-cost coverage from Medicaid
  • Free or low-cost coverage for children from Children’s Health Insurance Program (MI-Child)
  • Assistance with premium costs through tax subsidies

Open enrollment
The open enrollment period for 2014 has ended. The 2015 open enrollment period is from Nov. 15, 2014 to Feb. 15, 2015.

Penalties
If you don’t obtain coverage or an exemption you must pay a fee on your federal income tax return for every month you are without health insurance. In 2014 the fee is $95 per adult ($47.50 per child) or 1 percent of income, whichever is higher. The family maximum is $285.
 
Additional help with enrollment
For Healthy Michigan or ACA sign-up assistance, students may contact a certified application counselor and outreach specialist at the Family Health Center of Kalamazoo. Call (269) 349-2641 ext. 493.

A lead regional navigator for healthcare.gov assistance is based at Summit Pointe in Battle Creek. Call (269) 441-6500.