Benefit Connections    FAQ
About Affordable Care Act - The New Federal Individual Health Coverage Mandate

  Am I required to have health coverage?

Starting January 1, 2017, the Affordable Care Act (“ACA”), a federal law, will require you to have health coverage, qualify for an exemption, or pay a tax penalty. More information on this new legal requirement, including information on the exemptions that are available, can be found at www.healthcare.gov and http://www.irs.gov/uac/Questions-and-Answers-on-the-Individual-Shared-Responsibility-Provision .

  If I am covered by the CITGO health plan, will I satisfy the new individual coverage requirement?

Yes. The CITGO health plan counts as “minimum essential coverage,” the kind of coverage you have to have to meet the requirement under the ACA.

  Do I have to get health coverage for other members of my family?

The ACA requires adults and children living in the United States to have health coverage, qualify for an exemption, or pay a tax penalty. More information on this new requirement, including information on how it applies to family members, may be found at www.healthcare.gov and http://www.irs.gov/uac/Questions-and-Answers-on-the-Individual-Shared-Responsibility-Provision.

  If I can get health benefits from another source (like Medicare, the veterans’ health system, or my spouse’s health plan), do I have to take the CITGO health coverage instead?

No. You are not required to enroll in the CITGO health plan. However, before you make a decision about whether to enroll, it is important that you understand the new requirement to have health coverage that went into effect on January 1, 2017. More information on this legal requirement, including information on the kinds of coverage that can meet the requirement and the exemptions that are available, may be found at www.healthcare.gov and http://www.irs.gov/uac/Questions-and-Answers-on-the-Individual-Shared-Responsibility-Provision 

  What do I do about getting health coverage if I am not eligible for the CITGO health plan?

Information about how to get health coverage may be found on www.healthcare.gov.