Affordable Care Act (Obamacare): The Basics

Affordable Care Act (Obamacare): The Basics

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(WJBK) -

The government is now providing health insurance to those who are uninsured. Here are the basics to understanding the Affordable Care Act.

What are the health care plans?

Several customized plans are offered on the government's Affordable Care Act website,

The different plans are spread about among four different levels ranging from bronze to platinum. The higher the level the more your health care costs - but remember, the more you pay monthly the less your co-pay will be should you get sick.

All plans include ten essential benefits, as listed on the government's website:

- Ambulatory patient services
- Emergency services
- Hospitalization
- Maternity and newborn care
- Mental health and substance use disorder services, including behavioral health treatment
- Prescription drugs
- Rehabilitative and habilitative services and devices
- Laboratory services
- Preventive and wellness services and chronic disease management
- Pediatric services, including oral and vision care


What will it cost?

Each plan is different, but here's an example based on the Kaiser Family Foundation's calculator: An individual who makes $50,000/year and purchases a 'silver' (midgrade) package will pay $2,100/year for the coverage, or $175/month.


How do I sign up?

You can sign up for a new insurance plan one of two ways:

1. Online:
To sign up go or shop plans, log on to:

Need some help, find a local navigator, log on to:

Learn more about how the plan works in Michigan:

2. In person:
Free sessions are being offered around metro Detroit for further guidance in understanding how the Affordable Care Act affects you and your family.
Those sessions take place on:

Wednesday, October 2
Taylor Library: 12303 Pardee Road, Taylor, MI 48180
One session at 2 p.m. and a second session at 6 p.m.

Thursday, October 3
Auburn Hills Library: 3400 E. Seyburn Drive, Auburn Hills, MI 48326
7 - 9 p.m.

Saturday, October 5
Allen Park Library: 8100 Allen Road, Allen Park, MI 48101
1 - 2 p.m.

Wednesday, October 9
Riverview Library: 14300 Sibley Road, Riverview, MI 48193
7 - 8 p.m.

Monday, October 21
Harper Woods Library: 19601 Harper, Harper Woods, MI 48225
6:30 - 7:30 p.m.

Remember: You cannot be denied based on pre-existing conditions and your premium will not go up if you get sick.

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