Understanding the Affordable Care Act

理解《平价医疗法案》（ACA）

There is much confusion around the Affordable Care Act (ACA) and the Health Insurance Marketplace.

关于《平价医疗法案》（ACA）和健康保险市场有很多混淆。以下是一些信息，帮助您更好地理解。

Here is some information to help you understand it a bit better.

以下是一些信息，帮助您更好地理解它

The ACA is a law that guarantees everyone with minimum essential health care coverage. You can’t be denied ACA health insurance coverage because of a pre-existing health condition and you can’t be charged more for your plan because of it. 

平价医疗法案》是一项法律，保证每个人都拥有最低必要的健康保险覆盖。您不能因为已有的健康状况被拒绝获得 ACA 健康保险，也不能因此被收取更高的费用。

It’s important to know what’s required under the ACA. Here’s what you need to know as you get started:

了解 ACA 下的要求是非常重要的。以下是您开始时需要知道的内容：

• Open enrollment, from November 1 to December 15 is your time to buy health insurance.
• 开放注册期：从11月1日到12月15日是您购买健康保险的时间。
• In some instances, you can get tax credits to help you pay for your health insurance
• 在某些情况下，您可以获得税收抵免，帮助您支付健康保险费用。

Most everyone needs to have health insurance

大多数人需要拥有健康保险

When you’re looking for health care coverage, check the health plans you’re considering to be sure it says it meets “ACA minimum essential coverage.” 

在寻找医疗保险时，请检查您考虑的健康计划，以确保其符合“ACA最低必要覆盖”的要求。

There are several ways to buy health insurance:

购买健康保险的几种方式：

• Your employer
• 通过您的雇主
• Health insurance companies 
• 健康保险公司
• Health Insurance Marketplaces 
• 健康保险市场

Keep in mind

记住：

• Open enrollment is your time to buy health insurance. 
• 开放注册期是您购买健康保险的时间。
• Open enrollment is a yearly time period set by the ACA. It’s your time to shop for individual health insurance and purchase a plan so you won’t pay a penalty at tax time.
• 开放注册期是 ACA 设定的年度时间段。这是您为个人健康保险购物并购买计划的机会，以免在报税时支付罚款。
• If you miss this window of time to purchase a plan, there are some exceptions called Qualifying Life Events that let you buy a plan during a Special Enrollment Period.
• 如果错过了这一购买计划的时间窗口，某些情况称为“合格生活事件”将允许您在特殊注册期内购买计划。

In some instances, you can get tax credits to help you pay for your health insurance

在某些情况下，您可以获得税收抵免，帮助您支付健康保险费用

Depending on your family situation and annual income, you may be able to get a tax credit to help offset your health insurance costs. You can visit Health Care to see if you qualify for a tax credit before you start buying your plan.

根据您的家庭状况和年收入，您可能有资格获得税收抵免，以帮助抵消健康保险费用。您可以访问健康保险网站查看您是否符合税收抵免资格，然后再开始购买计划。