Affordable Care Act Guide » Archetype Profiles

FILE - In this March 28, 2013 file photo, medical resident Stephanie Place examines Maria Cazho at the Erie Family Health Center in Chicago. As clinics gear up for the expansion of health insurance, they're recruiting young doctors. Since summer 2012, Dr. Place, 28, a primary care resident at Northwestern University Feinberg School of Medicine in Chicago, has received hundreds of emails and phone calls from headhunters, recruiting agencies and health clinics. The heavy recruitment means she'll have no trouble fulfilling her dream of staying in Chicago and working in an underserved area with a largely Hispanic population. She'll also be able to pay off $160,000 in student loans through a federal program aimed at encouraging doctors to work in areas with physician shortages. (AP Photo/M. Spencer Green)

A state-by-state breakdown of primary care doctors

 Posted on October 22, 2013 at 11:50 am

A look at the number of active primary care physicians by state, the rate per capita and each state’s ranking nationally, according to a 2011 report by the Association of American Medical Colleges. The doctors represent those who self-reported dealing directly with patients, as opposed to primary care physicians who are teaching, involved in research or doing mostly administrative work. Updated information is expected to be available in November. Total

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  • Changes to health care under the law, at a glance

     Posted on October 21, 2013 at 11:44 am

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    ESSENTIAL HEALTH BENEFITS Under the law, health insurers must cover 10 essential benefits. This will make health plans more costly, but also more comprehensive. Starting next year, the rules will apply to all plans offered to individuals or through the small-group market to employers with 50 or fewer workers. The essential-benefits requirement does not apply to plans offered by larger employers, which typically offer most of these, already. The covered

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  • Costs worry woman, 26, who wants health insurance

     Posted on October 20, 2013 at 11:38 am

    Helena Gudger, 26, pauses as she works on homework while taking a break between classes at her college in Phoenix on Tuesday, Sept. 10, 2013. The 26-year-old Phoenix resident has gone the past four years without health insurance, but wants to sign up for private health insurance as soon as the new federal marketplace opens in October. (AP Photo/Ross D. Franklin)

    Helena Gudger is the type of person health insurance companies need on the books as the federal Affordable Care Act begins to roll out: Young, relatively healthy and hungry for coverage. The 26-year-old Phoenix resident has gone the past four years without health insurance, using clinics and the county hospital for checkups, routine tests and visits to a gynecologist. She pays cash, checks prices and tries to go when doctors

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  • Mich. smoker may stay uninsured unless he quits

     Posted on October 19, 2013 at 11:31 am

    In this Aug. 29, 2013 photo, Eric Jones is seen outside of a party store after purchasing cigarette tubes and tobacco, the roll-your-own supplies used to fill his pack-a-day habit, in Lansing, Mich. The federal health care law requires insurers to accept all applicants regardless of pre-existing medical problems. But it also allows them to charge smokers premiums that are up to 50 percent higher than those offered non-smokers - a way for insurers to ward off bad risks. (AP Photo/David Eggert)

    Eric Jones has an incentive to end his trips to the party store for cigarette tubes and tobacco, the roll-your-own supplies used to fill his pack-a-day habit. The 40-year-old has no health insurance from his $9-an-hour job at an ice-manufacturing plant in Lansing. Under the federal health care law, he’s eligible for help from the government to buy insurance. But to qualify, he’ll almost certainly have to quit smoking. A

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  • Health care law perplexing to business owners

     Posted on October 18, 2013 at 11:28 am

    Tim Holmes, left, and his wife Colleen Holmes, who own and operate Wheatfields Restaurant, stand outside their business in Clifton Park, N.Y. on Tuesday, Sept. 10, 2013. They were considering opening a third business but decided against it. One factor was the risk in expanding their staff beyond 50 full-time employees and having to provide federally mandated health coverage in 2014. Despite knowing the penalty provisions for noncompliance have been postponed one year, the couple said their margins are thin and the requirements and costs of the health care law are not yet clear. (AP Photo/Hans Pennink)

    Restaurant owners Colleen and Tim Holmes were considering opening a third business in a growing upstate New York suburb but decided against it. One factor was the risk from expanding their staff beyond 50 full-time employees and having to provide them federally mandated health coverage. Despite knowing the penalty for that part of the Affordable Care Act had been postponed for a year, the couple said their margins are thin

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  • Health costs likely rising for many self-employed

     Posted on October 16, 2013 at 1:48 pm

    Aaron Brethorst poses for a photo while walking his dog, Moxie, in Seattle on Monday, Sept. 9, 2013. Brethorst says he doesn't have a problem with President Obama's health care reforms because he figures he’ll be able to afford quality insurance and he expects his coverage will be even better once the Affordable Care Act kicks in. (AP Photo/Ted S. Warren)

    President Obama’s health care reforms will be a huge boost to the working poor but are likely to make life more expensive for Aaron Brethorst and others like him. The Seattle software developer and consultant doesn’t have a problem with that because he figures he’ll be able to afford quality insurance. He says his annual income is in the low six-figures, and he expects to receive better coverage once the

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  • Health insurance within reach for bipolar sufferer

     Posted on October 15, 2013 at 1:44 pm

    In this Wednesday, Sept. 4, 2013 photo, 32-year-old Jessi Spencer-Hammac poses with her dog Rocco, in Tampa, Fla. Decades before being diagnosed with bipolar disorder, Spencer-Hammac thought she was just moody, a restless dreamer with grand plans who had trouble finishing projects. (AP Photo/Chris O'Meara)

    Before she was diagnosed with bipolar disorder, 32-year-old Jessi Spencer-Hammac thought she was just a moody, restless dreamer who had trouble finishing projects. At times, she alternated between being hyper-social and abruptly ending relationships. She also made rash decisions, such as moving across the country and losing contact for a couple years with her young daughter, who was living with the girl’s father at the time. Up one day, she

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  • Medicaid expansion happy surprise for Colorado man

     Posted on October 11, 2013 at 12:32 pm

    In this Aug. 29, 2013 photo, Morgan Kinney, 31, a clinical professional counselor working part-time while his girlfriend finishes medical school, sits on his couch in his his apartment in Denver. Kinney figured he’d have no choice but to pay for insurance in 2014 to comply with the new federal health coverage mandate, but has learned that his income makes him eligible for Medicaid under the new Colorado expansion program. Colorado estimates about 160,000 people will be added to state Medicaid rolls under the new parameters. (AP Photo/Brennan Linsley)

    He makes just $10,000 a year as a clinical professional counselor, so Morgan Kinney decided to spend what little extra money he had this year paying down student debt rather than buying health insurance. The 31-year-old Denver man figured he would have no choice but to buy insurance next year to comply with the new federal health insurance mandate, so last month he entered his personal information into the online

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  • Medicaid politics affect low-wage pizza employee

     Posted on October 10, 2013 at 12:24 pm

    This Wednesday, Aug. 28, 2013 photo shows some of Chris Gatliff's medications on his kitchen counter in Lawton, Okla. The part-time worker at a pizza restaurant takes medication to control his diabetes and high blood pressure. In mid-September 2013, Oklahoma Gov. Mary Fallin announced a temporary reprieve for the 30,000 Oklahomans like Gatliff who receive coverage through Insure Oklahoma, saying the program would remain operating for one more year. Gatliff, a part-time worker at a pizza restaurant, said he was grateful for the temporary extension but said he felt like a victim of Oklahoma's resistance to implementing the Affordable Care Act. (AP Photo/Sue Ogrocki)

    Chris Gatliff, a 38-year-old diabetic, says he feels like a victim of politics. His home state, Oklahoma, opted against accepting the expansion of Medicaid under the Affordable Care Act. The result is that thousands of Oklahomans who would have qualified under the expanded program are left in limbo about their health insurance. At the same time, a Medicaid-linked program called Insure Oklahoma that provides Gatliff with his current coverage was

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  • Middle class family braces for higher premiums

     Posted on October 9, 2013 at 12:57 pm

    The Wolfs of Austin: Making too much to qualify for tax credit, worried premiums will rise

    As many as nine in 10 Texans buying health insurance on the new federally run exchange will get a break on costs, according to federal health officials. Steve and Maegan Wolf won’t be among them. The Wolfs, who live in an upscale area outside Austin, make too much money to qualify for tax credits that will help other people afford coverage. That leaves them wondering how much they’ll wind up

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  • Obamacare trade-off: low premium, high deductible

     Posted on September 27, 2013 at 2:04 pm

    WASHINGTON (AP) — You might be pleased with the low monthly premium for one of the new health insurance plans under President Barack Obama’s overhaul, but the added expense of copayments and deductibles could burn a hole in your wallet. An independent analysis released Wednesday, on the heels of an administration report emphasizing affordable premiums, is helping to fill out the bottom line for consumers. The annual deductible for a

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