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often excluded from income for Federal and State income tax purposes. Your payments for coverage
through the Marketplace are made on an after-tax basis.

Q: Who qualifies for coverage through the Exchange?
A: The Exchange will be open to those who currently purchase insurance in the individual market and to
employees for whom coverage offered by an employer would be deemed unaffordable, or whose employer-
offered coverage does not meet certain standards. This group will include, for example, early retirees (pre-
Medicare eligible retirees), the self-employed, individuals whose employers do not provide insurance, or
whose employer’s insurance is deemed unaffordable or out of compliance with various minimum standards
set by the PPACA.

Q: Is there a penalty for not having health insurance?
A: Effective 01/01/2014, there will be a penalty of $95 per adult and $47.50 per child under age 18, maximum
of $285 per family, or 1% of income over the tax-filing threshold whichever is greater. The first penalties will
be due when individuals file their 2014 tax returns.

Q: Who can I speak with if I have additional questions about the exchanges or our internal benefits
options?
A: Employees eligible for and offered benefits under the Sharks’ health plan may contact our insurance
broker ExpertQuote at 408-953-1000 regarding our internal health benefits. Employees eligible for and
offered benefits under one or our union’s plans may contact the plan administrator through the contact
information provided in the applicable summary plan description. Questions regarding health exchanges
should be directed to the resource for your state – please see below for resources:

▪ Federal Exchange: Visit the Federal Exchange website at https://www.healthcare.gov/ or call 1-
800-318-2596
▪ California: Visit the CA Exchange website at http://www.coveredca.com or call 1-800-300-1506
▪ Massachusetts: Visit the MA Exchange website at
https://www.mahealthconnector.org/portal/site/connector or call 877-623-6765
▪ Minnesota: Visit the MN Exchange website at http://mn.gov/hix/ or call them at 1-855-366-7873

▪ Michigan: Visit the Federal Exchange website at https://www.healthcare.gov/ or call 1-800-318-
2596
▪ Florida: Visit the Federal Exchange website at https://www.healthcare.gov/ or call 1-800-318-
2596
▪ Illinois: Visit the Federal Exchange website at https://www.healthcare.gov/ or call 1-800-318-
2596
▪ Connecticut: Visit the CT Exchange website at http://www.accesshealthct.com/ or call 855-805-
4325
▪ Rhode Island: Visit the RI Exchange website at http://www.healthsourceri.com/ or call 401-222-
5192
▪ Washington: Visit the WA Exchange website at http://www.wahealthplanfinder.org/ or call 855-
923-4633

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