2015 Dean Health Plan Individual & Family Plan Book

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8 | 2015 Individual & Family Plans
Understanding
Health Care Reform
Health reform is complicated, so we’re going to walk you through the basics. This booklet offers a recap of health reform
information, moves into an overview of benefits and finally, summarizes our new portfolio of easy-to-understand plans
designed for individuals and families. Remember, the federal health reform law, also known as the Affordable Care
Act, includes an individual mandate. That means almost everybody must have health insurance. To avoid a fine, sign up
between November 15, 2014 and February 15, 2015. Visit
Health Care Reform Quick Guide
The Affordable Care Act was passed in 2010 and continues to evolve. It affects how and where insurance is purchased and
what benefits are provided. No matter where you choose to buy, Dean will be there. As always, we will have plans that are
available directly from Dean, through agents and from
Dean Health Plan offers a variety of plans in the Health Insurance Marketplace, also known as r the
Exchange. The Marketplace also offers tax credits and subsidies to people who qualify. This makes health insurance more
affordable. If you believe you are eligible for this financial assistance on the Marketplace, you can log on to
or seek advice from Dean Health Plan, an insurance agent or a certified application counselor. For those who do not need
financial assistance, a greater selection of plan options are available directly from Dean Health Plan.
When considering your health insurance coverage, there’s a lot to think about. Here are some simple definitions that
should help clarify the main points and more are listed on pages 10-11.
The Individual Mandate means that most U.S. citizens must be covered by
health insurance that meets “Minimum Essential Coverage” rules. If you are not
covered, you may face a tax penalty.
Federal Poverty Level (FPL) is the measure of income level issued annually
by the Department of Health and Human Services. The relationship between your
income and the federal poverty level is used to determine your eligibility for certain
programs and benefits.