Fox Lake District Library · 
255 E. Grand Avenue
Fox Lake, IL 60020
 ·  Phone: (847) 587- 0198
 · Director: Melissa Villarreal

Library Hours
 · Mon. - Fri.  9 a.m. - 9 p.m.
 · Saturday  9 a.m. - 5 p.m.
 · Sunday  1 p.m. - 5 p.m. (Sept. thru May)

Affordable Care Act Information

Affordable Care Act Information

Open Enrollment Begins: 10/1/13

Open Enrollment Closes: 3/31/14

Effective Date of Insurance:1/1/14*

     *only if enrolled by 12/31/13

Do I Qualify?

If you are not already on a government sponsored health plan (e.g. Medicare) then you can shop for coverage at the health care marketplace or exchanges being established in each state

How do I Enroll?

You have different options for enrolling. (Process takes about 30-45 minutes)

Over the telephone:

National Marketplace Toll-Free Call Center for Federally Facilitated and State-Partnership Marketplaces

1-800-318-2596 (TTY 1-855-899-4325).

Customer service available 24/7 in English and Spanish

There is also a language line for 150 additional languages: 1-800-318-2596


  1. Go to the online marketplace

    or for Spanish

  2. If you live in Illinois

  3. You may need to already have an email account
  4. Create an insurance account
  5. Apply
  6. Pick a plan
  7. Enroll

In Person:

For Lake County, Illinois residents, connect with a “navigator” to assist with the ACA:

Is a Subsidy available?

There is a subsidy available based on income. Check the online subsidy calculator :

Subsidy Calculator

What types of plans are offered?

The Marketplace will offer four categories of plans, plus a catastrophic plan:

    Bronze - Covers 60% of essential health benefits, with out of pocket limit to HSA (Health Savings Account) current law limits ($5,950 individuals and $11,900 for families)
    Silver - Covers 70% of essential health benefits, with HSA limits
    Gold - Covers 80% of essential health benefits, with HSA limits
    Platinum - Covers 90% of essential health benefits
    Catastrophic Plan - Available up to age 30

What if I choose NOT to have coverage?

If an individual does not have coverage in 2014, a penalty will be assessed:

    $95/adult ; $47.50/child or 1% of income, whichever is higher ($285/family max).
    The penalty increases in subsequent years.

What if I Have More Questions?
    You can call toll free:1-800-318-2596

Note: Be aware of some scams. Only use credible resources!

Acknowledgment: Thanks to the Naperville (Illinois) Public Library (Julie Rothenfluh, Director)

for allowing us to adapt ACA information included on their library’s website.


The Fox Lake District Library is pleased to assist with information on the Affordable Care Act (ACA), also known as "Obamacare" . While we have been careful in assembling this information, the Library District makes no warranties or representations as to the accuracy of the information provided. Responsibility for compliance with the Act is the responsibility of each individual.