The Michigan state health care law requires all employees to have health insurance or pay a penalty.
It also bars insurers from charging higher premiums than employers, and it bans coverage of elective procedures or maternity care, including prenatal care.
The new law also requires insurers to offer more affordable coverage for preventive care and to offer discounts to low-income people.
If you’re under age 26, you must be enrolled in the state’s employer-sponsored health plan.
Under the federal law, you are eligible for Medicare.
Michigan law requires coverage for women’s health.
Michigan has one of the highest female birth rates in the country, and the state is among the least-insured in the nation.
The state is one of just three that require coverage for health care providers, such as doctors and hospitals, and is among only four states that have a high percentage of people without insurance.
Here’s what you need to know about the health care requirements.
What is coverage?
Employers can opt out of the state requirement for women and older people.
The federal law allows insurers to charge up to 50% more than the state mandate for employees, or charge up 50% less than the federal minimum.
Under state law, employers must cover preventive care.
Insurers must offer discounts or rebates to people who need them most.
The Michigan Health Connector, an insurance exchange, is one option.
For people with incomes between 100% and 400% of the federal poverty level, insurers must offer health insurance coverage at no extra cost.
People with incomes of more than 400% can qualify for tax credits to offset the cost of health insurance.
Insure your health insurance for free If you are younger than 50, you can get health insurance without paying a penalty if you’re in the 10% of Americans who earn less than $25,000 a year.
If that number is above 50, employers are required to offer health coverage for everyone under age 50.
Employees are not required to have coverage if they are under age 27, are unemployed or on disability.
What happens if I don’t get health coverage?
You must have health coverage and qualify for the tax credits if you are older than 50 and are unemployed.
Insuring you is the only way to prevent cost-sharing for your preventive care if you need it, said Lori Todaro, senior vice president of policy and communications at Michigan-based American Health Policy.
You also need to have an employer-based plan that covers preventive care, such an insurance plan that does not cover elective care or maternity services.
You can also get health care through your state’s Medicaid program, which covers about 15% of all Michigan residents.
The plan you get is likely not a state-run plan because it does not have the same requirements as the federal mandate.
Health care coverage does not automatically entitle you to benefits that include dental care, vision care or mental health care, said Julie Bauert, vice president for policy and government affairs at the Kaiser Family Foundation.
“There’s a lot of ways to get health benefits, and you can’t just go to the government for that,” BauERT said.
You will still need to pay premiums and deductibles for your coverage.
The tax credits you get will be adjusted based on your income and age, Bau, who is also a vice president at the health policy organization Avalere Health, said.
Some insurance companies are offering a rebate to help people afford health insurance and keep up with medical bills, including Medi-Cal, said Jessica Rinaldi, vice-president for health and economic policy at the insurance consulting firm McKinsey & Co. However, she said, the tax credit is based on income, not age.
For more information on the law and its effect on insurance coverage, go to www.healthcare.state.mn.us/hcp-complaint.html.
You may also want to contact your state health department to check on your coverage status.
If I can’t afford health care coverage, how do I know if my health insurance is covered?
If you can afford coverage, your coverage may be in good shape.
If not, you should call your health department.
If your employer offers health insurance, you’ll get a statement from your insurer stating your coverage is fully covered.
You should also check with your insurer’s insurance company to see if you qualify for subsidies, which can help you pay for your medical bills.
If the health insurance company doesn’t offer subsidies, your deductible will be lower and you’ll be able to shop around.
Some states are also allowing insurers to waive out-of-pocket payments, said Todarro.
For example, if your employer pays for your emergency room care, you could get a discount or rebate from your insurance company, she added.
If there are any out-pays you must pay, such a co-pay or co-insurance, you may be able see