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Friday, 09/27/2013

Health Insurance Marketplace Coverage Options and State of Illinois Employee Health Coverage

PART A: General Information
As part of the requirements of the Patient Protection and Affordable Care Act (“PPACA”), Northern Illinois University, as your employer, is required to provide you with information relating to the Health Insurance Marketplace (“Marketplace”). This notice serves to provide basic information about the Marketplace and how it may relate to coverage that is offered to eligible employees through the State Employees’ Group Insurance Program.

What is the Health Insurance Marketplace?
The Marketplace is designed to help individuals find health insurance that meets their needs and fits their budget. Through the Marketplace, Illinois residents will be able to compare and evaluate quality and affordable private health insurance options, apply tax credits directly, and receive enrollment support. Open enrollment for health insurance coverage through the Marketplace begins in October 2013 for coverage starting as early as January 1, 2014.

Does Having State of Illinois Employee Health Coverage Affect Eligibility for Premium Savings through the Marketplace?
Coverage provided by the health plans offered through the State Employees’ Group Insurance Program (“SEGIP”) is considered to meet PPACA’s minimum value standard and is intended to be affordable based on employee wages. Accordingly, if you are eligible to participate in SEGIP, you will generally not be eligible for a tax credit through the Marketplace. However, if you are not eligible to participate in SEGIP, or if the cost of member-only coverage through SEGIP is more than 9.5% of your household income for the year, you may be eligible for a new tax credit that lowers your monthly premium if you purchase a qualified health plan through the Marketplace.

Note: If you are eligible for SEGIP and choose to purchase a health plan through the Marketplace instead of enrolling in a SEGIP plan, you will lose SEGIP vision and dental coverage, and also lose any employer contribution to SEGIP coverage. In addition, while both the employer contribution and your employee contribution to SEGIP coverage are typically excluded from income for Federal and State income tax purposes, your payments for coverage through the Marketplace will be made on an after-tax basis.

How Can I Get More Information?
You can evaluate your coverage options, including your eligibility for coverage through the Marketplace and the cost of such coverage, by visiting HealthCare.gov. This website also includes an online application for coverage and contact information for the Marketplace. The State of Illinois health care reform website has additional information regarding the Marketplace, including the In-Person Counselor Program, at the following address:
http://www2.illinois.gov/gov/healthcarereform/Pages/HealthInsuranceMarketplace.aspx

If you need additional information regarding the coverage offered through SEGIP, please visit www.BenefitsChoice.il.gov or contact your Human Resource Services.

The full document is available as a download (PDF) here .




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