© Pawel Papis/Shutterstock.com

Do you know the deadline to sign up for health insurance and thus avoid a tax penalty under the Affordable Care Act? And, considering the well-publicized delays to previous big Obamacare dates on the calendar, would you expect that deadline to stand?

Compare health insurance costs to find the plan best for you.

Bankrate’s latest Health Insurance Pulse survey shows that fewer than half (45 percent) of all respondents correctly identified the March 31 cutoff to purchase insurance under health reform’s “individual mandate” provision.

See what an Obamacare plan would cost you

Answer a few questions to see if you'd qualify for subsidized health insurance under the Affordable Care Act and what you'd pay.

What’s your best estimate of your household’s yearly income?

© NAN728/Shutterstock.com
  • Image not Found
  •  Enter Household Income
  • &nbsp
  • Please enter a valid household income level.

Who will the plan cover? Please provide dates of birth.

Family Members

-
+
  • &nbsp
  • Birthdate
  • Tobacco Use
  • YOU
  • Please fill out your birthday. Please enter a valid date.
  • FAMILY MEMBER 1
  • Please fill out your birthday. Please enter a valid date.
  • FAMILY MEMBER 2
  • Please fill out your birthday. Please enter a valid date.
  • FAMILY MEMBER 3
  • Please fill out your birthday. Please enter a valid date.
  • FAMILY MEMBER 4
  • Please fill out your birthday. Please enter a valid date.
  • FAMILY MEMBER 5
  • Please fill out your birthday. Please enter a valid date.
  • FAMILY MEMBER 6
  • Please fill out your birthday. Please enter a valid date.
  • FAMILY MEMBER 7
  • Please fill out your birthday. Please enter a valid date.
  • FAMILY MEMBER 8
  • Please fill out your birthday. Please enter a valid date.
  • FAMILY MEMBER 9
  • Please fill out your birthday. Please enter a valid date.
  • FAMILY MEMBER 10
  • Please fill out your birthday. Please enter a valid date.
  • FAMILY MEMBER 11
  • Please fill out your birthday. Please enter a valid date.
  • FAMILY MEMBER 12
  • Please fill out your birthday. Please enter a valid date.
  • FAMILY MEMBER 13
  • Please fill out your birthday. Please enter a valid date.
  • FAMILY MEMBER 14
  • Please fill out your birthday. Please enter a valid date.
  • FAMILY MEMBER 15
  • Please fill out your birthday. Please enter a valid date.
  • FAMILY MEMBER 16
  • Please fill out your birthday. Please enter a valid date.
  • FAMILY MEMBER 17
  • Please fill out your birthday.
Back

Where do you live? Please enter your ZIP code.

© Jezper/Shutterstock.com
  • Image not Found
  •   Enter Zip Code &nbsp
  • Please enter a valid zip code.
  • Please select a county.
Back

Your birthdate indicates you’re in your golden years- which means an Obamacare plan isn’t for you.

Instead, you’d qualify for Medicare, or other senior coverage.

See Your Senior Coverage Options

medicare.gov
© Mikael Damkier/Shutterstock.com

More On Medicare:

Mixed news for your household.

At least one of you is in your golden years (age 64 ½ or older) and not eligible for Obamacare. Instead, those family members would qualify for Medicare, or other senior coverage.

See Your Senior Coverage Options

medicare.gov

Other family members qualify for Obamacare coverage (that is, are younger than 64 ½) and should explore their options separately from the older members of the household.

© Monkey Business Images/Shutterstock.com

More On Health Insurance:

What’s your best estimate of your household’s yearly income?

Considering only family members younger than age 64 ½

© NAN728/Shutterstock.com
  • Image not Found
  • &nbsp Enter Income
  • &nbsp
  • Please enter a valid household income level.

Please confirm that the plan will cover:

  • &nbsp
  • Birthdate
  • Tobacco Use
    And that your Zip Code is: &nbsp
    Please enter a valid zip code.
    Please select a county.
    Back

    Good news!

    Your household income qualifies you for a tax credit to cut the cost of a health plan in the Obamacare health insurance exchanges, or marketplaces.

    Your estimated savings:
    &nbspper month
    &nbspper year

    After the credit is applied, your estimated monthly premium for the standard plan* in :

    *Rate is for the benchmark silver-level plan in . Rates for other plans vary.


    More On Obamacare's Savings:

    Your income and household size don’t qualify you for subsidized coverage in the Obamacare health insurance exchanges, or marketplaces.

    But we can still direct you to some great plans at great rates.

    © zeljkodan/Shutterstock.com

    More On Health Insurance:

    Your income and household size don't qualify you for subsidized coverage in the Obamacare health insurance exchanges, or marketplaces.

    But you may be eligible for free or low-cost coverage through the Medicaid program, depending on the rules in your state.

    Learn If You'd Qualify For Medicaid

    medicaid.gov
    © Keith Bell/Shutterstock.com

    More On Medicaid

    © Pawel Papis/Shutterstock.com

    Please pardon us.

    This calculator is not functioning properly.

    Please check back at a later time.

    Good news!

    Your household income qualifies you for a tax credit to cut the cost of a health plan in the Obamacare health insurance exchanges, or marketplaces.

    © Monkey Business Images/Shutterstock.com


    More On Obamacare's Savings:



    Level of awareness surprises experts

    “That’s a surprisingly high number, given people’s normal complete inattentiveness to public affairs,” says Mark Schlesinger, a professor at the Yale School of Public Health.

    “Normally, only people whose lives are touched are going to pay attention to this type of thing. Given that (Obamacare) directly affects on the order of 10 to 15 percent of the public, the fact that 45 percent actually knew the deadline is a remarkably big number because it’s not driven by how it’s going to affect them personally,” he says.

    Other options in the multiple-choice question included Jan. 1 of this year (chosen by 24 percent) and Dec. 31, 2014 (11 percent).

    The robust number of in-the-know respondents took Gerald Kominski, director of UCLA’s Center for Health Policy Research, by surprise as well.

    “As a measure of general awareness, I think that’s actually a high number,” he says. “There has been so much confusion about the details of the law, up to and including whether it’s actually been repealed or not. Data show there’s a core group of about 25 percent of Americans who believe that the law has been repealed because one house of Congress has voted 44 times to repeal it. They’ve forgotten that that’s not the way laws get passed or repealed in the United States.”

    Most think March 31 deadline will change

    Greater public confusion may have been expected over the March 31 individual mandate deadline, in light of the extensions and adjustments made by the Obama administration in the months leading up to and following the launch of the Affordable Care Act’s chief consumer interface, the online health exchanges.

    Given Obamacare’s delay-plagued debut, 62 percent of survey respondents expect the March 31 individual mandate deadline to be pushed back, while only 29 percent expect it to stand.

    “They’ve seen that with a lot of the other deadlines, so it’s not unreasonable for them to construct a model that says this is going to take a little longer to fall into place than anyone thought,” Schlesinger says.

    Highlights:

    • 43 percent of young adults between the ages of 18 and 29 knew the correct deadline.
    • 48 percent of individuals earning $75,000 or more knew the right answer, compared with 40 percent of those earning less than $30,000.
    • 54 percent of college graduates chose the correct deadline, versus 40 percent with a high school education or less.

    Highlights:

    • 36 percent of individuals earning less than $30,000 a year said the government would stick to the deadline, compared with only 24 percent of those earning $75,000 or more.
    • 49 percent of respondents identifying as Democrats said the government would push back the deadline, while 72 percent of Republicans felt that way.
    • 66 percent of those between the ages of 18 and 29 expect the deadline to change, compared with around 60 percent for other age groups.

    Editor’s note: Percentages may not equal 100, due to rounding.

    Both the “employer mandate,” which requires large companies to provide affordable health insurance coverage to their workers, and the Small Business Health Insurance Program, the “SHOP” online exchange for smaller companies, were postponed a year to 2015 in order to focus resources on the state exchanges.

    When the exchanges went live Oct. 1, consumer traffic quickly swamped HealthCare.gov, the default site for 36 states, forcing the feds to close it for retooling and delay the deadline to enroll in individual coverage effective Jan. 1 from Dec. 15 to Dec. 23 and then Christmas Eve. The administration also granted an additional year to those who had received cancellation notices from their insurers to obtain new coverage.

    A comparison to Medicare’s early days

    Kominski says the complexity of Obamacare, which faces the daunting task of integrating federal, state and private insurers via a real-time exchange, far exceeds the last great U.S. public health milestone: the 1965 introduction of Medicare.

    “Medicare was rolled out a year after enactment, but it wasn’t a choice people needed to make; the only choice was to accept it, and there was no reason to turn it down,” he says. “In our lifetime, this is the biggest health expansion that requires people to make a choice.”

    Because of the challenges with implementing the Affordable Care Act, would people view another deadline delay positively or negatively? Tough to say, says Schlesinger.

    “They may be saying, ‘Look, why should we pay attention to a deadline that’s not a hard deadline?’ Or they may be saying, ‘Look, the federal government kind of gets the fact that this has been harder than anyone expected, so they’re going to push us in the right direction, but they’re not necessarily going to slap our hands,'” he says.

    So, another delay? Don’t count on it

    But Kominski predicts the “wishful thinking” of the Obamacare deadline skeptics may not come to pass this time.

    “There’s a practical issue that, if you keep delaying, it creates the expectation that this is never really going to go fully into effect,” he says. “The problems with HealthCare.gov appear to have been resolved pretty successfully, given the surge in enrollment. I understand why 62 percent expected it to be pushed back, but I don’t think that that sentiment is a predictor of what’s going to happen.”

    Bankrate’s sixth monthly Health Insurance Pulse survey was conducted Jan. 16-19 by Princeton Survey Research Associates International with a nationally representative sample of 1,006 adults living in the continental United States. The margin of sampling error is plus or minus 3.5 percent.

    Promoted Stories