Skip to main content

UFA Update: Health Exchange Info for Fishermen and Fishing Groups

Barack Obama signing the Patient Protection an...
Barack Obama signing the Patient Protection and Affordable Care Act at the White House (Photo credit: Wikipedia)
ufa-fish.org -  Sept 01, 2013 4:33 PM 

Health Care Open Enrollment to start October 1
Info on the Affordable Care Act for Fishermen and Fishing Groups
The Affordable care act provides an opportunity for self-employed individuals and families to apply for health insurance through the “Marketplace”,  regardless of previous conditions or non-coverage. The Act requires individuals to have coverage beginning January 1, 2014, and provides tax credits to help pay for coverage for some individuals, with penalties of $95 or 1% of annual income for not having coverage.  For those already paying for health insurance, there are potential refunds for qualified individuals and small businesses.

The Act provides small businesses that do not currently offer coverage the opportunity to shop for group coverage, with tax credits available to qualifying small businesses.
The process for both is online, with telephone support as well as localized one on one support through “navigators” that are trained and funded to help.
Wall Street Journal: What You Need to Know About the Affordable Care Act:

Below are descriptions and useful links for fishermen and fishing groups.

Fishermen – self employed:  
If you're self-employed with no employees, you're not considered an employer. You can use the individual Marketplace to find coverage that fits your needs.
If you live in Alaska, you’ll use the healthcare.gov federal marketplace athttps://www.healthcare.gov/what-is-the-health-insurance-marketplace/#state=alaska, toapply for coveragecompare plans, and enroll.. You can apply as early as October 1, 2013. Plan and Cost info will be available then, but you can go online now and find out about options are benefits you may be eligible for…
More info for families is at  https://www.healthcare.gov/families/.

If you live in other states, your state may operate their own marketplace. Find out your marketplace and apply for coverage and compare plans by selecting your state athttps://www.healthcare.gov/what-is-the-health-insurance-marketplace/ .

For individual help in your local area, see “Navigators” below.

Tip: be sure to check the plan choices details to understand what you are buying, and to ensure that the providers and hospitals that you prefer are included in your coverage network.

Fishing Groups and Small Businesses Employers:
You can apply for small business health insurance group plans through the Small Business Health Options Program (SHOP) Marketplace: https://www.healthcare.gov/marketplace/shop/#state=alaska
The Small Business Health Options Program (SHOP) is a new program that simplifies the process of buying health insurance for your small business. For 2014, the SHOP Marketplace is open to employers with 50 or fewer full-time-eqivalent employees (FTEs). The advantages of using SHOP include:
·         You control the coverage you offer and how much you pay toward employee premiums.
·         You can compare health plans online on an apples-to-apples basis, which helps you make a decision that's right for your business.
·         You may qualify for a small business health care tax credit worth up to 50% of your premium costs. You can still deduct from your taxes the rest of your premium costs not covered by the tax credit. Beginning 2014 the tax credit is available only for plans purchased through SHOP.

 

Compare small business plans and apply online 

You can enroll starting October 1, 2013 for coverage starting as soon as January 1, 2014. You can also enroll and begin coverage any time after January 1, 2014.

Fishing Groups and Small Businesses Employers (continued):


Small Business Help Resources: Have questions about the SHOP Marketplace for businesses with 50 or fewer employees? Call 1-800-706-7893 (TTY users: 1-800-706-7915). Hours: Monday through Friday, 9 a.m. to 5 p.m. EST.

IRS Small Business Health Care Tax Credit for Small Employers
To be eligible, you must cover at least 50 percent of the cost of single (not family) health care coverage for each of your employees. You must also have fewer than 25 full-time equivalent employees (FTEs). Those employees must have average wages of less than $50,000 (as adjusted for inflation beginning in 2014) per year. Remember, you will have to purchase insurance through the SHOP Marketplace to be eligible for the credit for tax years 2014 and beyond…

 

To claim the credit you must use Form 8941, Credit for Small Employer Health Insurance Premiums, to calculate the credit. For detailed information on filling out this form, see theInstructions for Form 8941.


More info:
Instructions for Form 8941: http://www.irs.gov/pub/irs-pdf/i8941.pdf

Navigators
There are individuals or organization trained and able to help consumers, small businesses, and their employees as they look for health coverage options through the Marketplace, including completing eligibility and enrollment forms. These individuals and organizations are required to be unbiased. Their services are free to consumers. For Alaska, the federally funded Navigators are The United Way of Anchorage and the Alaska Native Tribal Health Consortium, who are prepared with locations and contacts serving Alaska communities. Visit https://localhelp.healthcare.gov/ to find help in your area. You can search by city and state or zip code (in Alaska or other states) to see a list of local organizations with contact information, office hours, and types of help offered, such as non-English language support, Medicaid or CHIP, and Small Business Health Options Program (SHOP).
Find Local help page: https://localhelp.healthcare.gov/   

24/7 Toll Free help line: 1-800-318-2596   TTY: 1-855-889-4325


Enroll Alaska  There is also a newly-created broker, Enroll Alaska, that has also geared up to provide information and to help Alaskans shop and enroll in coverage, funded by participating insurers. More information:  Anchorage Daily News: Alaska broker makes big move under Affordable Care Act

Enroll Alaska website:

This information complied by staff of United Fishermen of Alaska.  Please contact us with feedback to help us serve our members, at ufa@ufa-fish.org or 907-586-2820.

Popular posts from this blog

Crabbers get a boost in bairdi Tanner quotas

LAINE WELCH Image via Wikipedia FISHERIES Published: November 7th, 2009 10:10 PM Last Modified: November 7th, 2009 10:12 PM KODIAK -- Kodiak and Alaska Peninsula crabbers got some good news last week -- bigger catch quotas for bairdi Tanner crab, a mid-January fishery important to local economies. Bairdi are the larger cousins of the better-known opilio Tanners, or snow crab. The bairdi boost stems from a big pulse of new crab recruits that biologists have been tracking for years. "That is what's fueling the increase in the harvest this year. We're just getting the very beginning of that year class," said......... http://www.adn.com/money/welch/story/1004091.html

#01-14-2014 - ComFish News Roundup

Chinook Conservation, Trawling and Permit-Stacking Addressed by BoF Jan 13, 2014 View of Kodiak from Pillar Mountain (Photo credit: Wikipedia ) Jay Barrett/KMXT The Alaska Board of Fisheries wrapped up its Kodiak area meetings on Friday afternoon at the Harbor Convention Center. KMXT’s Jay Barrett spoke with board Chairman Karl Johnstone about some of the decisions that came out of the meeting, and how the meeting schedule may change in the future..... http://www.kmxt.org/index.php?option=com_content&task=view&id=5374 3:32 PM MON JANUARY 13, 2014 The Dillingham City Council Opposes Passage of House Bill 77 By MIKE MASON The Dillingham City Council has come out in opposition to a bill that is expected to be a major focus of attention during the next session of the Alaska Legislature. KDLG’s Mike Mason has the details..... http://kdlg.org/post/dillingham-city-council-opposes-passage-house-bill-77 PORT STUDY Corps draft feasibility study on ports due in March

Danish commandos 'monitoring hippies' on Arctic offshore rig #artcticloons

Image by Steve Rhodes via Flickr Alaska Dispatch | May 31, 2011 Armed Danish commandos have (possibly) been summoned to monitor Earth-loving "hippies" clinging to the underbelly of an Arctic deepwater oil rig  off the coast of Greenland , sources say. The environmental non-governmental group  Greenpeace  has published  statements and  video  showing its activists aboard two ships that are attempting to "interfere" with oil exploration going on in the Davis Strait, 100 miles west of Greenland. This business has in turn prompted the Kingdom of Denmark to launch two ships and a few helicopters to monitor the Greenpeace interference. The  Leiv Eriksson  is the source of all this Arctic bait and switch. British oil company  Cairn Energy  is attempting to drill four wells at depths of at least 5,000 feet this summer in "iceberg-strewn sea" with the 53,000-ton offshore oil rig, which has made its way to Arctic waters after a month of failed attempts by Green