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Understanding the Affordable Care Act (ACA) And Accessing Available Benefits

Effective January 1, 2015

The new Affordable Care Provisions expand coverage to eligible USM contractual employees. Contractual employees working an average of 30+ hours/week will be covered under the State health benefits program as of January 1. Those covered include:

  • Contingent I and II staff working 30+ hours/week
  • Adjunct faculty who teach at least 75% of the expected course load of a full-time non-tenure track instructional faculty member according to their institution’s standards
  • Other contractual faculty working 30+ hours/week
  • Some student employees working 30+ hours/week.

Eligible contractual employees will be able to participate in the State health plan with benefits at least at the following levels:

  • Employer-subsidized medical and prescription drug coverage, but no dental coverage subsidy
  • The State will cover 75% of the cost of coverage, with the employee paying 25%
  • Instead of a payroll deduction, contractual employees will pay the State directly for the cost of their premium.

Additional ACA Resources and information:

Chancellor’s Letter to Employees Eligible for State Benefits Subsidy

Chancellor’s Letter to Employees Ineligible for State Benefits Subsidy

Health Insurance Marketplace Coverage Options and Your Health Care

2015 Federal Income Tax Filing Instructions

 

If you are ineligible for subsidized benefit coverage with your employer, Please take a moment to review the resources available to you and your family members through the MHC at:  http://www.marylandhealthconnection.gov/resources/