There is a multi-state plan that is currently offered in 30 states and Missouri and Virginia are two of those states. Blue Cross Blue Shield is the insurance company offering the multi-state plan. The multi-state plan is really about increasing the number of plan offered nationally, not necessarily addressing your issue of living in two different states. Blue Cross Blue Shield may allow you to see providers in other states, but you would have to look at the specifics of that plan. You can find the multistate plan through the healthcare.gov website.
Employer contributions to an HSA account do not affect eligibility for a tax subsidy.
If you don't buy health insurance you'll be assessed a penalty that will be paid at tax time.
Yes, you can shop for insurance on your state’s marketplace. If you buy a policy on the marketplace now, the coverage will take affect Jan. 1, 2014. Depending on your income, you may be eligible for a subsidy to help play your premiums.
Dental benefits are only required under the law for kids up to the age of 19. In most cases you'll have the option of buying a plan separately on the marketplace for children. And, of course you always have the option of buying a stand along dental plan for adults of any age, though that would have to be outside the marketplace.
No. The site will ask your for some general information: the state you live in, a county (since plans may vary within a state), whether you looking for coverage for yourself or your business and that's about it. You can get that information with no delays ( I just did it)
No, you don’t have to do anything. If you have insurance and you are happy with it, there is no need to shop on the Marketplace for different coverage.
Chris, you probably don't want to drop your employer's insurance. If your portion of the premium doesn't cost you more than 9.5% of your income you won't be eligible for a subsidy if you buy insurance on the marketplace. If you haven't already received a letter from your employer explaining that its health plan is considered affordable under the ACA, ask at work to make sure. You'll need to look for a plan for your parents separately on the marketplace. They may qualify for a subsidy. I would consult with one of the helpers available by phone at Healthcare.gov.