Beginning October 1, 2013, residents in Ohio will have a new way to find health coverage called the Health Insurance Marketplace.

The Marketplace is a result of the Affordable Care Act, often referred to as Obamacare, and insurance coverage in the Marketplace can begin as early as January 1, 2014.   This is also where eligible persons can access premium assistance from the Federal government for insurance plans. Premium assistance is often called a “subsidy,” but the formal name is the Advance Premium Tax Credit.

The Advance Premium Tax Credit is based on income: the lower a persons income, the higher the tax credit.  Family size is also a factor in determining the level of credit.

According to, the Marketplace will allow individuals to look at all of the available insurance options in their state at one time.  With one application, a person can see all of their options, compare costs, compare benefits, read about insurance in simple language and enroll in coverage.  In addition, the Small Business Health Options Program (SHOP) will be available for employers.

If you would like more information about the Health Insurance Marketplace you can go online and register to receive news and updates.

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