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Affordable Care Act: 9OYS looks into what it will cost you

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KINSTON, N.C. -

You’ve seen the politicians argue about paying for The Affordable Care Act, but the issue really hits home next week. That’s when you’ll be able to sign up.

The U.S. Department of Health and Human Services reports while premiums should be affordable, we’ll pay more in North Carolina than other states.

One of the key age groups to watch is 18-30. If they don’t sign up, everyone’s premiums go up.

"One of the big concerns, the major concerns that I've been hearing over and over again is that the community thinks this is being forced on them,” said Anna Kinsey, Community Outreach Director at Kinston Community Health Center.

In Lenoir County alone, 9,000 people are uninsured. Kinsey says a lot of people are also uninformed.

“You make the choice. The government doesn’t make the choice for you,” said Kinsey.

Starting next week, thousands of people across our state will enroll in the federally-run “online marketplace.”

Costs are lower once tax breaks are applied for those eligible. Individuals making less than about $46,000 a year and families of four earning less than $94,000 a year qualify for subsidies.

The Kaiser subsidy calculator can help you figure it out. We logged in as a 27-year-old male making $18,000 a year.

“The amount that they would pay for the premium at the most would be $775 dollars a year,” said Kinsey.

That averages out to about $64.00 per month.

“They could also receive a tax credit of $2,339.00 dollars,” she said.

The website also lays out estimated “out of pocket” costs.

Starting in 2014, insurance companies can’t deny people with pre-existing conditions and if you have a pre-existing condition you can’t be charged more.

If you don’t sign up for health insurance there are penalties, starting at 1% of your income. The penalties can’t exceed the amount you would have paid for the premium.

Some people won’t have to get insurance at all.

“A premium cannot be more than 8 percent of your income. Because we chose not to expand Medicaid in our state, if you are a person that would have been eligible for that you are actually exempt,” said Kinsey.

In the long run, not signing up for insurance could cost you more.

Link to Kaiser Subsidy Calculator: http://kff.org/interactive/subsidy-calculator/

If you have any questions you can go to a certified center, like Kinston Community Health Center.

We have a full list below:

Federally Qualified Health Centers in the East

Bertie County Rural Health Association
Website: www.bertierha.com
Locations:
• Lewiston (252) 348-2545
• Windsor (252) 794-3042

Carolina Family Health Centers
Website: http://cfhc.biz
Locations:
• Princeville (252) 641-0514

Goshen Medical center
Website: http://goshenmedical.org
Locations:
• Beulaville (910) 298-8101
• Faison (910) 267-0421
• Kenansville (910) 296-0790
• Rose Hill (910) 289-3086
• Wallace (910) 285-2111
• Warsaw (910) 293-3900
• Trenton (910) 448-4321
• Jacksonville (910) 219-1082

Greene County Health Care
Website: www.greenecountyhealthcare.com
Locations:
• Snow Hill (252) 747-8400
• Alliance (252) 745-2202
• Greenville (252) 695-6359
• Grimesland (252) 752-1857
• Grifton (252) 747-5841

Kinston Community Health Center
Website: www.kinstonhealth.org
Locations:
• Kinston (252) 522-9854

Metropolitan Community Health Services
Website: www.metropolitancommunity.org
Locations:
• Washington (252) 940-0602
• Williamston (252) 789-0452

Rural Health Group
Website: www.rhgnc.org
Locations:
• Whitakers (252) 437-2171

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