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<p class="MsoNormal" style="margin-bottom: 0.0001pt; ">Dear Colleagues, </p>
<p class="MsoNormal" style="margin-bottom: 0.0001pt; "><o:p> </o:p></p>
<p class="MsoNormal" style="margin-bottom: 0.0001pt; text-align: justify; ">Implementation of the Affordable Care Act of 2010
(the healthcare reform law) requires the attached notice be sent to every
employee. The notice describes the new online Health Insurance Marketplace,
also called an exchange, available at <a href="http://www.healthcare.gov"><b>www.healthcare.gov</b></a> beginning
October 1, 2013. The Marketplace describes options you may have available for
health insurance (other than employer-based plans) and is designed for easy
cost and coverage comparisons. The notice also includes information
about coverage you may be eligible for through Jefferson Science Associates. </p>
<p class="MsoNormal" style="margin-bottom: 0.0001pt; "><o:p> </o:p></p>
<p class="MsoNormal" style="margin-bottom: 0.0001pt; text-align: justify; ">Starting in 2014, if you do not have medical
coverage, you will have to pay a penalty (in the form of a tax). If you do not
qualify for coverage through Jefferson Science Associates or you do not enroll
yourself or a dependent, you will have to obtain coverage or pay the penalty.
This penalty is known as the individual mandate penalty. Because our health
plan year starts on April 1, this requirement will not apply to you until April
1, 2014.</p>
<p class="MsoNormal" style="margin-bottom: 0.0001pt; text-align: justify; "><o:p> </o:p></p>
<p class="MsoNormal" style="margin-bottom: 0.0001pt; text-align: justify; ">For eligible employees, the health plan offered by Jefferson
Science Associates qualifies as affordable and meets minimum essential coverage
standards set by the Affordable Care Act. Because of this, you and your family won't
qualify to receive any credits or subsidies, if you purchase coverage from a
Marketplace, regardless of your income or family size.<a href="https://www.healthcare.gov/glossary/minimum-essential-coverage"></a> If
you are a causal or student employee and do not have access to other coverage,
you may still qualify for reduced premiums through a Marketplace plan. You can
visit <a href="http://www.healthcare.gov"><b>www.healthcare.gov</b></a>
to determine if you and/or your family qualify for subsidies under the Health
Insurance Marketplace in your state.
</p>
<p class="MsoNormal" style="margin-bottom: 0.0001pt; text-align: justify; "><o:p> </o:p></p>
<p class="MsoNormal" style="margin-bottom: 0.0001pt; "><o:p> </o:p></p>
<p class="MsoNormal" style="margin-bottom: 0.0001pt; "><b>What
do I do next?<o:p></o:p></b></p>
<p class="MsoNormal" style="margin-bottom: 0.0001pt; text-align: justify; ">Review the information provided in the notice. You
can learn more about the Marketplace at <a href="http://www.healthcare.gov"><b>www.healthcare.gov</b></a>. The open
enrollment period for Jefferson Science Associates will continue with the
same annual cycle and be available mid-February 2014. You will receive more
information on your employer-based options at that time. If you have an immediate question you can contact Treva Ferguson at ext. 7291.</p><p class="MsoNormal" style="margin-bottom: 0.0001pt; text-align: justify; "><br></p><p class="MsoNormal" style="margin-bottom: 0.0001pt; text-align: justify; ">Regards,</p><p class="MsoNormal" style="margin-bottom: 0.0001pt; text-align: justify; ">Rhonda</p>
<p class="MsoNormal" style="margin-bottom: 0.0001pt; text-align: justify; "><o:p>Human Resources </o:p></p>
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