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The Affordable Care Act

What you need to know:

  1. Beginning in 2014 the Individual Mandate requires most Americans to have health insurance. You may be charged a penalty on your federal income tax return for not having coverage.
  2. Coverage is guaranteed. You and your family will be able to enroll provided that you enroll during open enrollment or a special enrollment period.
  3. Texas residents can apply for coverage either through the Marketplace (on exchange), or directly through an insurance carrier (off exchange); however, the only way an individual will qualify for a credit is by purchasing coverage through

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