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Patient Protection Affordable Care Act: Affordable Care Act

information on the Affordable Care Act.

Enroll in the Health Insurance Marketplace

The Open Enrollment period for 2015 coverage is November 15, 2014 to February 15, 2015December 15, 2014 is the last date to enroll for coverage that starts January 1, 2015.

If you haven’t enrolled in coverage by then, you generally can’t buy Marketplace health coverage for 2015 until the next Open Enrollment period.

If you’re enrolled in a 2014 Marketplace plan, your benefit year ends December 31, 2014. To continue health coverage in 2015, you can renew your current health plan or choose a new health plan through the Marketplace during the 2015 Open Enrollment period.

If you don’t have health coverage during 2015, you may have to pay a penalty, which is higher than it was in 2014 — 2% of your income or $325 per adult/$162.50 per child, whichever is more.  You'll pay the penalty on your 2016 income taxes.

You can apply for health coverage in the Marketplace 4 ways:

Wyoming chose not to create a state specific insurance marketplace, so residents will use this federal site beginning October 1, 2013 to select and enroll in a health insurance plan.  Please note that 36 states in total are sending their residents to this federal marketplace, so there may be delays depending on the amount of traffic to the site.  


Help Center:  To apply by phone, call 1-800-318-2596, 24 hours a day, 7 days a week (TTY: 1-855-889-4325). A customer service representative will work with you to complete the application and enrollment process. 

Recent Changes to the website:

  • A new "Hardship Exemption" was created for individuals with true hardships (e. g. homlessness, being evicted or having shut-off of utilities) so that these people do not have to pay a penalty for not having health insurance. 
  • A new "window-shopping" feature that lets prospective customers see health plans and prices in their area, including previously unavailable details such as deductibles and cost-sharing, as well as provider networks.
  • A new "Reset" button allows people who were previously stuck in the system to do away with their old application and start over. To do that, you log into your account, select the application in progress and hit "remove." ; then close  and reopen your web browser, and log back in to start a new application. 
  • To help relieve problems during periods of high user volume, the website now offers a queuing system.  Consumers can request email notifications of when is a good time to come back.

Affordable Care Act: Public Laws and Bill Summaries

The bill summaries below are starting places, but they do not contain the complete legislative history of the law.  

Affordable Care Act Key Features

The Affordable Care Act was passed by Congress and signed into law by the President on March 23, 2010.  On June 28, 2012, the

Supreme Court rendered a final decision to uphold the health care law.

Subsidy Calculator

Subsidy Calculator

Trusted Websites

Information for Small Business

Health Care Reform--NYT


Affordable Care Act FAQS

If you have questions, call  24/7 1-800-318-2596  or Chat Online at

What is the Affordable Healthcare Act?

The Patient Protection and Affordable Care Act, or commonly referred to as Obamacare was passed in March 2010, with the goal of increasing healthcare coverage to more Americans. Read the full text of the law.

When can I apply?

The Open Enrollment period for 2015 coverage is November 15, 2014 to February 15, 2015December 15, 2014 is the last date to enroll for coverage that starts January 1, 2015.

Who can apply?

What do I need to apply?

  • Social Security Numbers (or document numbers for legal immigrants)
  • Employer and income information for every member of your household who needs coverage. (Pay stubs, or W-2 forms)
  • Policy numbers for any current health insurance plans covering members of your household.
  • Completed Employer Coverage Tool for every job-based plan you or someone in your household is eligible for.

Where can I go if I have more questions?

For more information, call 1-800-318-2596 or visit



Other Resources

Reinventing American Health Care by Ezekiel Emanuel
Health care is the largest employer in America, one of the largest perceived drains on the budget of the Federal government. Yet the system is widely misunderstood, and is a confusing maze to most of us who feel crushed by its complexities quite as much as we feel served by its doctors and nurses. Reinventing American Health Care explains why the American health care system is the way it is, and the five problems that confront any attempt at reform. Teddy Roosevelt, FDR, Truman, Kennedy and Nixon all came to power promising universal coverage, and all failed. Emanuel explains how this happened by way of showing how extraordinary the passage of the Affordable Care Act was: it completely bucked the trend, in the face of some very tough political circumstances. With his unique insider's view, Emanuel explains why the Affordable Care Act took the shape it did, and in particular examines the political role of the American Medical Association. He then projects how the ACA will affect health care.


Thank you to the librarians at Atlantic City Free Public Library for allowing us to use their guide on the Affordable Care Act.