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Posted November 14, 2013

How Health Care Reform May Impact APS Employees

APS Employee Benefits provides answers to some frequently asked questions.

Contact APS Employee Benefits at 889-4859 or employee.benefits@aps.edu

The Patient Protection and Affordable Care Act (PPACA) is the major health care reform legislation that is sometimes referred to as “Obamacare”. While there are a number of the law’s provisions that have already been implemented, several major elements of the law take effect on Jan. 1, 2014. The following are some frequently asked questions and answers from the APS Employee Benefits.

What do I have to do as a result of health care reform for 2014?|
Full-time employees

  • The medical plan offered by APS in 2014 will not change as a result of PPACA.  Our plan passes the affordability test and far exceeds the definition of “minimum essential coverage”.
  • If you are a full-time benefit eligible employee, Albuquerque Public Schools has determined that, to the best of our knowledge, you may be able to purchase health insurance through the Marketplace (also called an Exchange).
  • Also to the best of our knowledge, if you are a full-time benefit eligible employee, you will not be eligible for a subsidy or tax credit toward the cost of the premium for any health insurance plan purchased on the Marketplace.
  • If you enrolled on the APS medical plan for 2014 and instead decide to purchase coverage through the Marketplace for a 1/1/2014 effective date, you will have a one-time opportunity to drop your APS medical plan.
  • You must complete a Change Form in the Employee Benefits Department no later than January 10, 2014 to drop your coverage.  The effective date of the termination of coverage will be 12/31/2013.
  • You, and any covered family members, must not have used your APS medical plan after 12/31/2013 in order to drop your APS coverage.

Part-time employees

  • If you are not eligible for the APS medical plan, you may be eligible to purchase health insurance through the Marketplace (also called an Exchange).
  • You may also be eligible for a subsidy or tax credit on premiums for a medical plan purchased through the Marketplace.

All employees
Please visit www.healthcare.gov for more information, or refer to the Health Care Reform Health Insurance Marketplace Notice that was distributed (hardcopy) in October. That notice is also posted at http://www.aps.edu/human-resources/benefits/. (The document is posted below the videos.)
Remember that a tax penalty may apply if you do not have any medical plan coverage in 2014.

What do I need to know about the new Exchange (also known as Health Insurance Marketplace)?
The exchanges were put in place to provide a convenient and effective mechanism for individuals and small groups to purchase health insurance. (The exchanges are not for members eligible for Medicare.) Federal subsidies may be available to individuals who do not have access to employer group coverage (such as that offered by APS).  

Am I eligible for federal subsidies under the Exchange?
If you are a full-time benefit eligible employees, then you are not eligible for a subsidy.  If you are a part-time (non-benefit eligible) employee you may be eligible for a subsidy. Please visit www.healthcare.gov for more information.


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