Healthcare Reform Acronyms

It's no wonder we are all confused. Here's are some acronyms that you may come across when reading about healthcare reform.

ACA	Affordable Care Act
ACO	Accountable Care Organization
ADA	Americans with Disabilities Act of 1990
AHO	Accountable Health Organization
APFC	Advanceable Premium Tax Credit
ARRA	American Recovery and Reinvestment Act of 2009 ("Stimulus Bill")
AV	Actuarial Values
BIIP	Basic Health Plan
CHlP	Children's Health Insurance Program, enacted 1977
CHlPRA	Children's Health Insurance Program Reauthorization Act of 2009
CMS	Centers for Medicare & Medicaid Services
CO-OP	Consumer Operated and Oriented Plan
DOL	Department of Labor
ECP	Essential Community Provider
EHB	Essential Health Benefits
EHR	Electronic Health Record
ESI	Employer Sponsored Insurance
FEHBP	Federal Employees Health Benefits Program
FFS	Fee-For-Service
FLSA	Fair Labor Standards Act
FMAP	Federal Medical Assistance Percentage
FPL	Federal Poverty Level
FQHC	Federally Qualified Health Center
FR	Federal Register
FT   or  (FTE)	Full Time   (Full Time Equivalent)
GF	Grandfathered Health Plan
HCR	Health Care Reform
HHS	U.S. Department of Health and Human Services
HIEorHIX	Health Insurance Exchange
HlM	Health Insurance Marketplace
HIT	Health Insurance Tax
HIPAA	Health Insurance Portability and Accountability Act of 1996
HRP	High Risk Pools
HRSA	Federal Health Resources and Services Administration
IFR	Interim Final Rule
MA	Medicare Advantage
MAGI	Modified Adjusted Gross Income
MEC	Minimum Essential Coverage
MedPAC	Medicare Payment Advisory Commission
MV	Minimum Value
OEP	Open Enrollment Period
PEPM	Per Employee Per Month
PMPM	Per Member Per Month
PPACA	Patient Protection and Affordable Care Act (same as ACA)
PT	Part Time
PTC	Premium Tax Credit
QHP	Qualified Health Plan
SEP	Special Enrollment Period
SHOP	Small Business Health Options Program
SSI	Supplemental Security Income
TANF	Temporary Assistance for Needy Families program

2013 Federal Poverty Guidelines and Premium Subsidies

Beginning in 2014 the amount some pay for health insurance will depend on their annual income.
 Below we have listed the Federal Poverty Level for the 48 states as well as a chart to help explain the subsidies.

48 Contiguous States and DC

Note: The 100% column shows the federal poverty level for each family size, and the percentage columns that follow respresents income levels that are commonly used as guidelines for health programs. 

Household Size	100%	133%	150%	200%	300%	400%
1	$11,490	$15,282	$17,235	$22,980	$34,470	$45,960
2	15,510	20,628	23,265	31,020	46,530	62,040
3	19,530	25,975	29,295	39,060	58,590	78,120
4	23,550	31,322	35,325	47,100	70,650	94,200
5	27,570	36,668	41,355	55,140	82,710	110,280
6	31,590	42,015	47,385	63,180	94,770	126,360
7	35,610	47,361	53,415	71,220	106,830	142,440
8	39,630	52,708	59,445	79,260	118,890	158,520
For each additional person, add	$4,020	$5,347	$6,030	$8,040	$12,060	$16,080

 From: Families USA

If you and your family are at 400% or below Federal Poverty Level you will be eligible to receive a subsidy from the government to help cover part of your private insurance premiums.  Your maximum premium will be determined as a percentage of your annual household income.

For Example: 

A single person making $35,000 per year would pay approximately $277 per month for a silver level plan.  

A single person making $17,235 per year would pay approximately $57 per month for the same plan and have a reduction in out of pocket costs.

Premium Subsidy
Income (% of FPL)	Premium as a Percentage of Income Cap	Reduction in Out of Pocket Limits
Under 133 %	2%	66.70%
150%	4%	66.70%
200%	6.3%	20%
250%	8.05%	N/A
300%	9.50%	N/A
400%	9.50%	N/A