1. Churchwide Healthcare Update
Didyou knowthat the ChristianChurchHealthCare BenefitTrustoffers3federallyqualifiedhealthplan
designsatthe Gold (HealthChoice 500 and HealthChoice 1000) andSilver(HealthSavingsChoice 2500)
level of benefitsforthe costof some SilverandBronze plansonthe HealthInsurance Marketplace? Did
youalso knowthatthe physicianandhospital networksavailablethroughCCHCBTare part of the very
comprehensive Blue Cardnetworkandnotlimitedtoone hospital orphysiciannetworkinagiven area?
Since eligibilityforthe healthprogramsof the ChristianChurchHealthCare BenefitTrustisopento all
employees(clergyandlay) of the churchesand ministriesof the Stone-Campbell/RestorationTradition
and isportable throughoutthe countryas longas youare employedbythe churchor ministry,youwill
not needtore-enroll inthe HealthInsurance Marketplace if youtake apositionina differentstate or
county. Premiumsforhealthbenefitplansthroughthe ChristianChurchHealthCare BenefitTrustcan
be paidpre-tax,while HealthInsurance Marketplace premiumsare anafter– tax payment. These are
justa fewof the benefitsof beingaparticipantinthe ChristianChurchHealthCare BenefitTrust.
In the interestof beingfair,the ChristianChurchHealthCare BenefitTrustPlanswill notallow youto
procure a subsidyforassistance forthe U. S.Governmentif youmeetthe Federal PovertyLimitincome
guidelines.(See Table)
2014 EstimatedPovertyGuidelines
Persons In Family 100% FPL 133% FPL 400% FPL
1 $11,735 $15,608 $46,940
2 $15,896 $21,142 $63,584
3 $20,056 $26,674 $80,224
4 $24,217 $32,209 $96,868
5 $28,377 $37,741 $113,508
6 $32,538 $43,276 $130,152
7 $36,698 $48,808 $146,792
8 $40,859 $54,342 $163,436
If your income fallswithinone of theselimits,youmayqualifyforasubsidytoassistyouwithyour
healthinsurance premiumfora planpurchasedthroughthe HealthInsurance Marketplace. However,at
the time thispiece isbeingwritten,thereare twocourt caseswhere judgmentswill be made thatcould
affectwhoor whois not eligible toreceive asubsidyfromthe federal governmentinthe 34 stateswho
are usingthe federal governmentnetwork.
As we continue tonavigate the everchangingregulationsof the AffordableCare Act,know thatthe
ChristianChurchHealthCare BenefitTrustishere to assistyouwithyourhealthbenefitquestions.