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      Healthcare questions answered from the experts

      <p>We had a lot of viewers ask us questions about the new healthcare options. Here are some of the questions and their answers.</p>

      We had a lot of viewers ask us questions about the new healthcare options. Here are some of the questions and their answers.

      First we had people asking about what to do if they don't feel like they can afford insurance.

      I am a single mom of two and make to much money for government help but only make enough to get by barely..for people like me that are uninsured and can not afford to pay for health insurance..what type of insurance is going to be offered and is it going to be worth taking it. And if we choose to not take it what are the penalties?

      and

      So, as unemployed, how can I afford insurance? Still get UI bene, so can't get GCHP. But can't afford anything else.

      Medicaid has expanded, so you may qualify for Medicaid now. If you still don't qualify for Medicaid, then there is the marketplace. You can find this at http://marketplace.gov -- there will be four different tiers of healthcare insurance available. The premiums are based on the number of people in your family and your total household income. If that is still too high, there are government subsidies that will pay for all or part of your monthly premium. For more information call Hamilton Community Health Network and reach out for an enrollment specialist. They can walk you through your choices and help choose the best plan for you. 810-407-1708 is their number. Thank you for your question!

      I am starting a new job and need to sign up for benefits...is there some tips on what would be best for my family with all the changes? Will it effect people who get insurance through work? How?

      If you are getting insurance through your job, check how much you are paying for your premium. Then, shop the government's exchange at http://marketplace.gov -- you have the choice of either taking your employer's insurance or going through the marketplace yourself. Shop around and see what is the best deal for you and your family. Thank you for the great question!

      What about dental coverage that's more important?

      Dental and vision are not a part of the Affordable Care Act. However, county health plans, such as the Genesee Health Plan, might be able to help you.http://www.geneseehealthplan.org/ Thanks for the question!

      If you already have a health policy that you pay by yourself do you have to change your policy to get the subsidy?

      Yes, you would have to change your policy in order to qualify. You will need to shop for the insurance on marketplace.gov -- this will let you choose between plans and possibly qualify for the subsidy.

      I am 26 years old (Off my parents' insurance), uninsured, unemployed, and not elegable for unemployment. I have been trying to do research to find out what it means for me when I was told that I'd be fined. I can not afford that to happen let alone afford insurance. So what does this all mean for people like me?

      You should qualify for the newly expanded Medicaid program. If not, you still have other options. Just go to marketplace.gov to see if you qualify. You can also read more about it here: http://www.minbcnews.com/news/story.aspx?id=947865

      What happened if a person is to poor and can't afford insurance do we get fined for it?

      Michigan just passed expanded Medicaid. This means that low-income or no-income people should be able to get low-cost or no-cost insurance through the Affordable Care Act. Starting Oct. 1 people can shop at marketplace.gov and see if they qualify. You can read more about this here:http://www.minbcnews.com/news/story.aspx?id=947865

      How difficult will it be if you have a pre existing condition?

      Not difficult at all. In fact the Affordable Care Act ensures that people cannot be turned down for pre-existing conditions. In fact, that part of the law has been in effect since 2010. Your premium should not be higher as a result of the condition. Thank you for your question!

      If your a gm retire and receive company paid insurance I understand you don't do anything?

      You are correct. You still have the option, however, to shop the marketplace.gov if you wish.

      What happens if u need mjor surgery? Will tht be out of our pocket? Or partly?

      If you qualify for Medicaid, which was recently expanded, you will not have any out-of-pocket costs. You can read more about this expansion and tax credits here:http://www.minbcnews.com/news/story.aspx?id=947865 If you currently have insurance, then please check with your current provider to see what is covered. Then, shop the marketplace.gov and see if there are better options for you. Thank you for the question!

      I am starting a new job and need to sign up for benefits...is there some tips on what would be best for my family with all the changes? Will it effect people who get insurance through work? How?

      If you are getting insurance through your job, check how much you are paying for your premium. Then, shop the government's exchange at http://marketplace.gov -- you have the choice of either taking your employer's insurance or going through the marketplace yourself. Shop around and see what is the best deal for you and your family. Thank you for the great question!