{"id":820,"date":"2026-08-17T17:26:21","date_gmt":"2026-08-17T17:26:21","guid":{"rendered":"https:\/\/jsums.org\/graduateschool\/?page_id=820"},"modified":"2026-08-17T17:26:59","modified_gmt":"2026-08-17T17:26:59","slug":"affordable-care-act-3","status":"publish","type":"page","link":"https:\/\/jsums.org\/graduateschool\/affordable-care-act-3\/","title":{"rendered":"Affordable Care Act"},"content":{"rendered":"\t\t
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#5BAADC;outline-offset:3px;}\n.sr-only{position:absolute;width:1px;height:1px;padding:0;margin:-1px;overflow:hidden;clip:rect(0,0,0,0);white-space:nowrap;border:0;color:#1C2430;background:#FFFFFF;}\n.resource-list{display:grid;gap:.75rem;}\n.resource-item{display:flex;align-items:center;gap:1rem;padding:1rem 1.25rem;background:#FFFFFF;border:1px solid #C2D4E6;border-radius:8px;transition:border-color .2s;}\n.resource-item:hover{border-color:#008ED6;}\n.resource-icon{font-size:1.5rem;flex-shrink:0;}\n.resource-item__name{font-family:'Sora',sans-serif;font-weight:600;font-size:.92rem;color:#002147;}\n.resource-item__desc{font-family:'Crimson Pro',Georgia,serif;font-size:.9rem;color:#636B78;}\n.resource-item__link{font-family:'Sora',sans-serif;font-size:.8rem;font-weight:600;color:#00629A;text-decoration:underline;margin-left:auto;white-space:nowrap;flex-shrink:0;}\n@media(max-width:900px){.about-grid,.contact-grid{grid-template-columns:1fr;}.footer__grid{grid-template-columns:1fr 1fr;}.hero__inner{grid-template-columns:1fr;}.hero__stat-band{flex-direction:row;flex-wrap:wrap;min-width:0;}}\n@media(max-width:600px){.footer__grid{grid-template-columns:1fr;}.cta-band__inner{flex-direction:column;}}\n\n .contact-items{display:flex;flex-wrap:wrap;gap:2.5rem;margin-top:0;}\n .contact-item{display:flex;gap:.85rem;align-items:flex-start;min-width:220px;}\n .contact-icon{font-size:1.3rem;line-height:1;margin-top:.1rem;flex-shrink:0;}\n .contact-item__label{font-family:'Sora',sans-serif;font-size:.75rem;font-weight:700;letter-spacing:.1em;text-transform:uppercase;color:#636B78;margin-bottom:.15rem;}\n .contact-item__val{font-family:'Crimson Pro',Georgia,serif;font-size:1rem;color:#1C2430;}\n .contact-item__val a{color:#00629A;text-decoration:underline;}\n\n\/* \u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\n ELEMENTOR CONTAINMENT RESETS\n Prevents Elementor wrapper styles from bleeding into our\n custom HTML content blocks.\n\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550 *\/\n\n\/* Zero out all padding\/margin\/gap\/background on every Elementor wrapper *\/\n.elementor-widget-container,\n.elementor-widget-wrap,\n.elementor-widget-wrap > .elementor-element,\n.elementor-section .elementor-container,\n.elementor-section .elementor-row,\n.e-con,\n.e-con-inner,\n.e-child,\n.e-con > .e-con-inner {\n padding: 0 !important;\n margin: 0 !important;\n gap: 0 !important;\n background: transparent !important;\n background-color: transparent !important;\n background-image: none !important;\n border: none !important;\n box-shadow: none !important;\n max-width: none !important;\n width: 100% !important;\n}\n\n\/* Section-level Elementor wrappers *\/\n.elementor-section,\n.elementor-top-section,\n.elementor-inner-section {\n padding: 0 !important;\n margin: 0 !important;\n background: transparent !important;\n background-color: transparent !important;\n background-image: none !important;\n}\n\n\/* Strip Elementor heading color overrides *\/\n.elementor-widget-container h1,\n.elementor-widget-container h2,\n.elementor-widget-container h3,\n.elementor-widget-container h4,\n.elementor-widget-container h5,\n.elementor-widget-container p,\n.elementor-widget-container a {\n color: inherit !important;\n}\n\n\/* \u2500\u2500 Dark section hardening \u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\n .hero and .cta-band.dk MUST stay dark regardless of\n Elementor theme color injection.\n\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500 *\/\n.hero,\n.hero * {\n color: #FFFFFF !important;\n}\n.hero__inner {\n justify-items: center !important;\n text-align: center !important;\n}\n.hero__inner > div {\n display: flex !important;\n flex-direction: column !important;\n align-items: center !important;\n text-align: center !important;\n max-width: 780px !important;\n margin: 0 auto !important;\n}\n.hero__btns {\n justify-content: center !important;\n}\n.hero__desc {\n max-width: 640px !important;\n margin-left: auto !important;\n margin-right: auto !important;\n}\n.hero__tag {\n display: inline-block !important;\n}\n.hero {\n background-color: #00152E !important;\n background-image: linear-gradient(135deg, #00152E 0%, #002147 60%, #003366 100%) !important;\n position: relative !important;\n}\n.cta-band.dk {\n background-color: #002147 !important;\n background-image: linear-gradient(135deg, #00152E 0%, #002147 100%) !important;\n color: #FFFFFF !important;\n}\n.cta-band.dk * {\n color: #FFFFFF !important;\n}\n.cta-band.dk .btn--primary {\n background-color: #00659E !important;\n color: #FFFFFF !important;\n}\n.cta-band.dk .btn--outline-white {\n border-color: rgba(255,255,255,0.6) !important;\n color: #FFFFFF !important;\n}\n\n\/* \u2500\u2500 Section background hardening \u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500 *\/\n.sec {\n background-color: #FFFFFF !important;\n color: #1C2430 !important;\n}\n.sec--off {\n background-color: #F3F7FB !important;\n color: #1C2430 !important;\n}\n.sec--surface {\n background-color: #E6EEF6 !important;\n color: #1C2430 !important;\n}\n\n\/* \u2500\u2500 Text color hardening \u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500 *\/\n.sec .sec-title,\n.sec .sec-eyebrow,\n.sec h2,\n.sec h3 {\n color: #002147;\n}\n.sec p,\n.sec li,\n.sec dd,\n.sec dt {\n color: #4A5060;\n}\n.sec a {\n color: #00629A;\n}\n\n\/* \u2500\u2500 About section hardening \u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500 *\/\n.about-facts {\n background: #E6EEF6 !important;\n border-radius: 8px !important;\n padding: clamp(1.5rem, 3vw, 2.5rem) !important;\n}\n.about-facts__title {\n color: #00629A !important;\n font-weight: 700 !important;\n}\n.about-facts dl dt {\n color: #636B78 !important;\n text-transform: uppercase !important;\n font-size: .72rem !important;\n letter-spacing: .08em !important;\n font-weight: 700 !important;\n}\n.about-facts dl dd {\n color: #1C2430 !important;\n font-size: .97rem !important;\n}\n\n\/* \u2500\u2500 Card hardening \u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500 *\/\n.card {\n background: #FFFFFF !important;\n border: 1px solid #C2D4E6 !important;\n border-radius: 8px !important;\n}\n.card__eyebrow { color: #00629A !important; }\n.card__title { color: #002147 !important; }\n.card__text { color: #4A5060 !important; }\n.card__link { color: #00629A !important; }\n\n\/* \u2500\u2500 Faculty card hardening \u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500 *\/\n.faculty-card {\n background: #FFFFFF !important;\n border: 1px solid #C2D4E6 !important;\n border-radius: 8px !important;\n}\n.faculty-card__name { color: #002147 !important; }\n.faculty-card__title { color: #636B78 !important; }\n.faculty-card__contact, \n.faculty-card__contact a { color: #00629A !important; }\n\n\/* \u2500\u2500 Resource list hardening \u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500 *\/\n.resource-item {\n background: #FFFFFF !important;\n border: 1px solid #C2D4E6 !important;\n border-bottom-color: #C2D4E6 !important;\n}\n.resource-item__name { color: #002147 !important; }\n.resource-item__desc { color: #4A5060 !important; }\n.resource-item__link { color: #00629A !important; border-color: #00629A !important; }\n\n\/* \u2500\u2500 Program card hardening \u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500 *\/\n.program-card {\n background: #FFFFFF !important;\n border: 1px solid #C2D4E6 !important;\n border-radius: 8px !important;\n color: #1C2430 !important;\n}\n.program-card__name { color: #002147 !important; }\n.program-card__level { color: #636B78 !important; }\n.program-card__dot { background: #008ED6 !important; }\n\n\/* \u2500\u2500 Tab hardening \u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500 *\/\n.tabs__btn {\n background: transparent !important;\n color: #002147 !important;\n border-color: #C2D4E6 !important;\n}\n.tabs__btn[aria-selected=\"true\"] {\n background: #002147 !important;\n color: #FFFFFF !important;\n border-color: #002147 !important;\n}\n\n\/* \u2500\u2500 Accordion hardening \u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500 *\/\n.accordion__trigger {\n background: #FFFFFF !important;\n color: #002147 !important;\n border-color: #C2D4E6 !important;\n}\n.accordion__trigger[aria-expanded=\"true\"] {\n background: #002147 !important;\n color: #FFFFFF !important;\n}\n.accordion__body { \n background: #FFFFFF !important; \n color: #4A5060 !important;\n}\n\n\/* \u2500\u2500 Nav drawer hardening \u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500 *\/\n.fnav-drawer {\n background: #002147 !important;\n color: #FFFFFF !important;\n}\n.fnav-drawer__header {\n background: #00152E !important;\n border-bottom-color: rgba(0,142,214,0.3) !important;\n}\n.fnav-drawer__title { color: #FFFFFF !important; }\n.fnav-drawer__eyebrow { color: #3DB4F0 !important; }\n.fnav-item { color: rgba(255,255,255,0.85) !important; }\n.fnav-item.is-active,\n.fnav-item:hover { color: #FFFFFF !important; background: rgba(0,142,214,0.2) !important; }\n.fnav-group__label { color: #3DB4F0 !important; }\n.fnav-drawer__footer { color: #FFFFFF !important; }\n.fnav-footer-link { color: #FFFFFF !important; text-decoration: none; }\n.fnav-footer-link:hover { color: #3DB4F0 !important; }\n\n\/* \u2500\u2500 Hero text hardening \u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500 *\/\n.hero__tag { color: #3DB4F0 !important; }\n.hero__title { color: #FFFFFF !important; }\n.hero__desc { color: rgba(255,255,255,0.85) !important; }\n.hero__btns .btn--primary { background-color: #00659E !important; color: #FFFFFF !important; }\n.hero__btns .btn--outline-white { border-color: rgba(255,255,255,0.6) !important; color: #FFFFFF !important; }\n\n\/* \u2500\u2500 Breadcrumb hardening \u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500 *\/\n.breadcrumb { background: #002147 !important; }\n.breadcrumb a, .breadcrumb span { color: rgba(255,255,255,0.75) !important; }\n.breadcrumb [aria-current=\"page\"] { color: #FFFFFF !important; }\n\n\/* \u2500\u2500 Contact section hardening \u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500 *\/\n.contact-items { color: #1C2430 !important; }\n.contact-item__label { color: #636B78 !important; }\n.contact-item__val { color: #1C2430 !important; }\n.contact-item__val a { color: #00629A !important; }\n\n\/* \u2500\u2500 Skip link \u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500 *\/\n.skip-link:focus {\n background: #008ED6 !important;\n color: #FFFFFF !important;\n}\n\n\/* \u2500\u2500 BTT button \u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500 *\/\n.jsu-btt {\n background: #00659E !important;\n color: #FFFFFF !important;\n}\n\n\/* \u2500\u2500 Menu toggle \u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500 *\/\n.fnav-toggle {\n background: #002147 !important;\n color: #FFFFFF !important;\n}\n.fnav-toggle:hover { background: #007ABB !important; }\n\n\/* \u2500\u2500 WCAG: Ensure minimum contrast on all body text \u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500 *\/\nbody { \n background-color: #FFFFFF !important; \n color: #1C2430 !important;\n}\n\n\n\/* \u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550 TICKER STRIP \u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550 *\/\n.ticker-wrap{\n background:#00152E;\n border-top:1px solid rgba(0,142,214,.25);\n border-bottom:1px solid rgba(0,142,214,.25);\n overflow:hidden;\n padding:.55rem 0;\n position:relative;\n}\n.ticker-wrap::before,\n.ticker-wrap::after{\n content:'';\n position:absolute;\n top:0;bottom:0;\n width:80px;\n z-index:2;\n pointer-events:none;\n}\n.ticker-wrap::before{\n left:0;\n background:linear-gradient(to right,#00152E,transparent);\n}\n.ticker-wrap::after{\n right:0;\n background:linear-gradient(to left,#00152E,transparent);\n}\n.ticker-label{\n position:absolute;\n left:0;top:50%;\n transform:translateY(-50%);\n background:#008ED6;\n color:#FFFFFF;\n font-family:'Sora',sans-serif;\n font-size:.65rem;\n font-weight:700;\n letter-spacing:.12em;\n text-transform:uppercase;\n padding:.35rem .75rem;\n z-index:3;\n white-space:nowrap;\n}\n.ticker-track{\n display:flex;\n align-items:center;\n gap:0;\n width:max-content;\n animation:ticker-scroll 40s linear infinite;\n padding-left:160px;\n}\n.ticker-track:hover{animation-play-state:paused;}\n.ticker-item{\n display:inline-flex;\n align-items:center;\n gap:.5rem;\n white-space:nowrap;\n padding:0 1.5rem;\n font-family:'Sora',sans-serif;\n font-size:.78rem;\n font-weight:500;\n color:rgba(255,255,255,.75);\n transition:color .2s;\n text-decoration:none;\n}\n.ticker-item:hover{color:#3DB4F0;}\n.ticker-item::before{\n content:'';\n display:inline-block;\n width:4px;height:4px;\n border-radius:50%;\n background:#008ED6;\n flex-shrink:0;\n}\n@keyframes ticker-scroll{\n 0%{transform:translateX(0);}\n 100%{transform:translateX(-50%);}\n}\n@media(prefers-reduced-motion:reduce){\n .ticker-track{animation:none;overflow-x:auto;}\n}\n\/* \u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550 HERO CENTERING \u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550 *\/\n.hero__inner{\n justify-items:center;\n text-align:center;\n}\n.hero__inner > div{\n display:flex;\n flex-direction:column;\n align-items:center;\n text-align:center;\n max-width:780px;\n margin:0 auto;\n}\n.hero__desc{\n max-width:640px;\n margin-left:auto;\n margin-right:auto;\n}\n.hero__btns{\n justify-content:center;\n}\n\n\n\/* \u2500\u2500 Visually hidden elements \u2014 explicit colors for accessibility checkers \u2500\u2500 *\/\n.sr-only,\n.visually-hidden {\n color: #1C2430 !important;\n background-color: #FFFFFF !important;\n}\n\/* \u2500\u2500 Screen-reader-only toggle label \u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500 *\/\n.fnav-toggle__label {\n color: #FFFFFF !important;\n}\n\/* \u2500\u2500 Skip link always has explicit colors \u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500 *\/\n.skip-link {\n background-color: #00659E !important;\n color: #FFFFFF !important;\n}\n\n\/* \u2500\u2500 Breadcrumb: sit flush below global header \u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500 *\/\nbody {\n padding-top: 65px !important;\n background-color: #002147 !important;\n}\n.breadcrumb {\n margin-top: 0 !important;\n scroll-margin-top: 65px !important;\n}\n#main-content {\n scroll-margin-top: 65px !important;\n}\n.admin-bar body { padding-top: 97px !important; }\n.admin-bar .breadcrumb { scroll-margin-top: 97px !important; }\n\/* \u2500\u2500 Hero: full viewport height \u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500 *\/\n.hero {\n min-height: 100vh !important;\n height: 100vh !important;\n display: flex !important;\n align-items: center !important;\n justify-content: center !important;\n padding: 0 !important;\n position: relative !important;\n}\n.hero__inner {\n justify-items: center !important;\n text-align: center !important;\n padding: clamp(2rem, 4vh, 5rem) 0 !important;\n width: 100% !important;\n}\n\n\n\/* \u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\n JSU GLOBAL NAVIGATION \u2014 matches jsums.edu exactly\n\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550 *\/\n.jsu-global-nav {\n position: fixed;\n top: 0; left: 0; right: 0;\n z-index: 1000;\n background: #002147;\n box-shadow: 0 2px 16px rgba(0,0,0,.35);\n}\n.jsu-global-nav__top {\n background: #00152E;\n padding: .3rem 0;\n border-bottom: 1px solid rgba(0,142,214,.2);\n}\n.jsu-global-nav__top-inner {\n max-width: 1340px;\n margin: 0 auto;\n padding: 0 clamp(1.25rem,4vw,3rem);\n display: flex;\n align-items: center;\n justify-content: space-between;\n gap: 1rem;\n flex-wrap: wrap;\n}\n.jsu-global-nav__util-links {\n display: flex;\n flex-wrap: wrap;\n gap: .15rem .75rem;\n list-style: none;\n}\n.jsu-global-nav__util-links a {\n font-family: 'Sora',sans-serif;\n font-size: .68rem;\n font-weight: 500;\n color: rgba(255,255,255,.65);\n text-decoration: none;\n letter-spacing: .02em;\n transition: color .15s;\n}\n.jsu-global-nav__util-links a:hover { color: #3DB4F0; }\n.jsu-global-nav__ctas {\n display: flex;\n gap: .4rem;\n}\n.jsu-global-nav__cta {\n font-family: 'Sora',sans-serif;\n font-size: .72rem;\n font-weight: 700;\n letter-spacing: .05em;\n text-decoration: none;\n padding: .3rem .85rem;\n border-radius: 4px;\n transition: background .15s, color .15s;\n}\n.jsu-global-nav__cta--apply {\n background: #00659E;\n color: #FFFFFF;\n}\n.jsu-global-nav__cta--apply:hover { background: #007ABB; }\n.jsu-global-nav__cta--visit {\n background: transparent;\n color: rgba(255,255,255,.8);\n border: 1px solid rgba(255,255,255,.3);\n}\n.jsu-global-nav__cta--visit:hover { background: rgba(255,255,255,.08); color: #FFFFFF; }\n.jsu-global-nav__cta--give {\n background: #3DB4F0;\n color: #002147;\n font-weight: 800;\n}\n.jsu-global-nav__cta--give:hover { background: #6DC8F5; }\n\n.jsu-global-nav__main {\n max-width: 1340px;\n margin: 0 auto;\n padding: 0 clamp(1.25rem,4vw,3rem);\n display: flex;\n align-items: center;\n justify-content: space-between;\n height: 64px;\n gap: 1.5rem;\n}\n.jsu-global-nav__logo {\n display: flex;\n align-items: center;\n gap: .65rem;\n text-decoration: none;\n flex-shrink: 0;\n}\n.jsu-global-nav__logo-mark {\n width: 44px;\n height: 44px;\n border-radius: 6px;\n background: #FFFFFF;\n display: flex;\n align-items: center;\n justify-content: center;\n flex-shrink: 0;\n}\n.jsu-global-nav__logo-mark span {\n font-family: 'Sora',sans-serif;\n font-weight: 900;\n font-size: 1.05rem;\n color: #002147;\n letter-spacing: -.03em;\n}\n.jsu-global-nav__logo-text { line-height: 1.15; }\n.jsu-global-nav__logo-text strong {\n display: block;\n font-family: 'Sora',sans-serif;\n font-weight: 800;\n font-size: .88rem;\n color: #FFFFFF;\n letter-spacing: .01em;\n}\n.jsu-global-nav__logo-text span {\n font-family: 'Sora',sans-serif;\n font-size: .62rem;\n font-weight: 500;\n letter-spacing: .14em;\n text-transform: uppercase;\n color: #3DB4F0;\n}\n\n.jsu-global-nav__menu {\n display: flex;\n align-items: center;\n gap: 0;\n list-style: none;\n}\n.jsu-global-nav__menu > li {\n position: relative;\n}\n.jsu-global-nav__menu > li > a,\n.jsu-global-nav__menu > li > button {\n display: flex;\n align-items: center;\n gap: .3rem;\n font-family: 'Sora',sans-serif;\n font-size: .82rem;\n font-weight: 600;\n color: rgba(255,255,255,.85);\n text-decoration: none;\n padding: .55rem .75rem;\n border-radius: 6px;\n background: none;\n border: none;\n cursor: pointer;\n transition: color .15s, background .15s;\n white-space: nowrap;\n}\n.jsu-global-nav__menu > li > a:hover,\n.jsu-global-nav__menu > li > button:hover {\n color: #FFFFFF;\n background: rgba(255,255,255,.08);\n}\n.jsu-global-nav__menu > li > a::after,\n.jsu-global-nav__menu > li > button.has-sub::after {\n content: '';\n display: inline-block;\n width: 0; height: 0;\n border-left: 4px solid transparent;\n border-right: 4px solid transparent;\n border-top: 4px solid currentColor;\n opacity: .6;\n margin-left: .2rem;\n transition: transform .2s;\n}\n.jsu-global-nav__menu > li:hover > button.has-sub::after,\n.jsu-global-nav__menu > li:focus-within > button.has-sub::after {\n transform: rotate(180deg);\n}\n\n\/* Dropdowns *\/\n.jsu-global-nav__dropdown {\n position: absolute;\n top: calc(100% + 4px);\n left: 0;\n min-width: 220px;\n background: #001736;\n border: 1px solid rgba(0,142,214,.25);\n border-radius: 8px;\n box-shadow: 0 8px 32px rgba(0,0,0,.4);\n padding: .5rem 0;\n opacity: 0;\n visibility: hidden;\n transform: translateY(-8px);\n transition: opacity .2s, visibility .2s, transform .2s;\n z-index: 100;\n list-style: none;\n}\n.jsu-global-nav__menu > li:hover .jsu-global-nav__dropdown,\n.jsu-global-nav__menu > li:focus-within .jsu-global-nav__dropdown {\n opacity: 1;\n visibility: visible;\n transform: translateY(0);\n}\n.jsu-global-nav__dropdown a {\n display: block;\n padding: .5rem 1.1rem;\n font-family: 'Sora',sans-serif;\n font-size: .82rem;\n font-weight: 500;\n color: rgba(255,255,255,.8);\n text-decoration: none;\n transition: color .15s, background .15s;\n}\n.jsu-global-nav__dropdown a:hover {\n color: #FFFFFF;\n background: rgba(0,142,214,.15);\n}\n.jsu-global-nav__dropdown .drop-group-label {\n display: block;\n padding: .65rem 1.1rem .25rem;\n font-family: 'Sora',sans-serif;\n font-size: .65rem;\n font-weight: 700;\n letter-spacing: .12em;\n text-transform: uppercase;\n color: #3DB4F0;\n border-top: 1px solid rgba(0,142,214,.2);\n margin-top: .35rem;\n}\n.jsu-global-nav__dropdown .drop-group-label:first-child {\n border-top: none;\n margin-top: 0;\n}\n\n\/* Mobile menu toggle *\/\n.jsu-global-nav__mob-btn {\n display: none;\n background: none;\n border: 1px solid rgba(255,255,255,.3);\n border-radius: 6px;\n color: #FFFFFF;\n padding: .45rem .65rem;\n cursor: pointer;\n font-size: 1.15rem;\n line-height: 1;\n transition: background .15s;\n}\n.jsu-global-nav__mob-btn:hover { background: rgba(255,255,255,.1); }\n\n\/* Page body offset for fixed nav *\/\nbody { padding-top: 0 !important; }\n.breadcrumb {\n margin-top: 54px !important; }\n.admin-bar .breadcrumb {\n margin-top: 46px !important; }\n#main-content { scroll-margin-top: 104px !important; }\n\n\/* Sections scroll past nav *\/\n[id] { scroll-margin-top: 104px; }\n\n@media(max-width: 1024px) {\n .jsu-global-nav__menu { display: none; }\n .jsu-global-nav__mob-btn { display: flex; align-items: center; justify-content: center; }\n}\n@media(max-width: 600px) {\n .jsu-global-nav__logo-text { display: none; }\n}\n\n\n\/* \u2550\u2550 PDF \/ Document Inline Viewer \u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550 *\/\n.doc-embed-wrap {\n margin: 1.25rem 0;\n border: 1px solid #C2D4E6;\n border-radius: 10px;\n overflow: hidden;\n background: #F3F7FB;\n}\n.doc-embed-toolbar {\n display: flex;\n align-items: center;\n justify-content: space-between;\n padding: .6rem 1rem;\n background: #002147;\n gap: .75rem;\n flex-wrap: wrap;\n}\n.doc-embed-toolbar__title {\n font-family: 'Sora',sans-serif;\n font-size: .82rem;\n font-weight: 600;\n color: #FFFFFF;\n flex: 1;\n min-width: 0;\n white-space: nowrap;\n overflow: hidden;\n text-overflow: ellipsis;\n}\n.doc-embed-toolbar__actions {\n display: flex;\n gap: .4rem;\n flex-shrink: 0;\n}\n.doc-embed-toolbar__btn {\n font-family: 'Sora',sans-serif;\n font-size: .72rem;\n font-weight: 700;\n letter-spacing: .04em;\n padding: .3rem .75rem;\n border-radius: 5px;\n text-decoration: none;\n transition: background .15s, color .15s;\n white-space: nowrap;\n}\n.doc-embed-toolbar__btn--view {\n background: #00659E;\n color: #FFFFFF;\n border: 1px solid #008ED6;\n}\n.doc-embed-toolbar__btn--view:hover { background: #007ABB; }\n.doc-embed-toolbar__btn--dl {\n background: rgba(255,255,255,.12);\n color: rgba(255,255,255,.9);\n border: 1px solid rgba(255,255,255,.25);\n}\n.doc-embed-toolbar__btn--dl:hover { background: rgba(255,255,255,.2); color: #FFFFFF; }\n.doc-embed-frame {\n width: 100%;\n height: 560px;\n border: none;\n display: block;\n background: #FFFFFF;\n}\n@media(max-width:600px){ .doc-embed-frame { height: 380px; } }\n\n\n.pdf-embed-wrap{border-radius:8px;overflow:hidden;box-shadow:0 2px 16px rgba(0,21,46,.1);margin:1.5rem 0;}\n.pdf-embed-header{background:#002147;padding:.75rem 1.25rem;display:flex;align-items:center;justify-content:space-between;gap:1rem;flex-wrap:wrap;}\n.pdf-embed-title{font-family:'Sora',sans-serif;font-weight:700;font-size:.88rem;color:#FFFFFF;}\n.pdf-embed-actions{display:flex;gap:.5rem;flex-wrap:wrap;}\n.pdf-btn{font-family:'Sora',sans-serif;font-size:.75rem;font-weight:600;padding:.35rem .85rem;border-radius:4px;text-decoration:none;transition:background .15s;white-space:nowrap;}\n.pdf-btn--view{background:rgba(255,255,255,.15);color:#FFFFFF;}\n.pdf-btn--view:hover{background:rgba(255,255,255,.25);}\n.pdf-btn--dl{background:#00659E;color:#FFFFFF;}\n.pdf-btn--dl:hover{background:#007ABB;}\n.pdf-embed-frame{display:block;background:#F3F7FB;width:100%;border:1px solid #C2D4E6;border-radius:0 0 8px 8px;}\n\n<\/style>\n<style>\n.cards-grid {\n display: grid;\n grid-template-columns: repeat(auto-fit, minmax(280px, 1fr));\n gap: 1.5rem;\n}\n.card {\n position: relative;\n overflow: hidden;\n display: flex;\n flex-direction: column;\n transition: border-color .25s ease, box-shadow .25s ease, transform .25s ease !important;\n}\n.card::before {\n content: \"\";\n position: absolute;\n top: 0; left: 0; right: 0;\n height: 4px;\n background: linear-gradient(90deg, #00629A 0%, #008ED6 100%);\n opacity: .9;\n}\n.card:hover {\n border-color: #008ED6 !important;\n box-shadow: 0 8px 28px rgba(0, 33, 71, .10) !important;\n transform: translateY(-3px);\n}\na.card { text-decoration: none; color: inherit; }\n.card__body { padding: 1.85rem 1.65rem 1.65rem; flex: 1; }\n.card__eyebrow {\n font-family: 'Sora', sans-serif;\n font-size: .68rem;\n font-weight: 700;\n letter-spacing: .14em;\n text-transform: uppercase;\n margin-bottom: .75rem;\n display: block;\n color: #00629A;\n}\n.card__title {\n font-family: 'Sora', sans-serif;\n font-size: 1.35rem;\n font-weight: 700;\n line-height: 1.25;\n margin-bottom: .9rem;\n display: block;\n color: #002147;\n}\n.card__text {\n font-family: 'Crimson Pro', Georgia, serif;\n font-size: 1rem;\n line-height: 1.65;\n display: block;\n color: #4A5060;\n}\n.card__status {\n font-family: 'Sora', sans-serif;\n font-size: .72rem;\n font-weight: 700;\n letter-spacing: .12em;\n text-transform: uppercase;\n color: #B45309;\n margin: .85rem 0 0;\n display: block;\n}\na.card--action .card__title {\n display: flex;\n align-items: center;\n gap: .65rem;\n font-size: 1.25rem;\n}\na.card--action .card__title::after {\n content: \"\\2192\";\n color: #00629A;\n font-weight: 700;\n margin-left: auto;\n font-size: 1.35rem;\n transition: transform .2s ease;\n}\na.card--action:hover .card__title::after { transform: translateX(4px); }\n\n\/* Program card with degrees *\/\n.degree-card {\n background: #FFFFFF;\n border: 1px solid #C2D4E6;\n border-radius: 8px;\n padding: 1.5rem 1.5rem 1.4rem;\n position: relative;\n overflow: hidden;\n}\n.degree-card::before {\n content: \"\";\n position: absolute;\n top: 0; left: 0; right: 0;\n height: 3px;\n background: linear-gradient(90deg, #00629A 0%, #008ED6 100%);\n opacity: .85;\n}\n.degree-card__name {\n font-family: 'Sora', sans-serif;\n font-size: 1.05rem;\n font-weight: 700;\n color: #002147;\n margin: 0 0 .5rem;\n}\n.degree-card__levels {\n display: flex;\n flex-wrap: wrap;\n gap: .35rem;\n margin-top: .35rem;\n}\n.degree-pill {\n font-family: 'Sora', sans-serif;\n font-size: .72rem;\n font-weight: 700;\n letter-spacing: .04em;\n color: #00629A;\n background: #EBF6FD;\n padding: .25rem .65rem;\n border-radius: 4px;\n}\n\n\/* Mission block \u2014 reused *\/\n.mission-block {\n background: #F3F7FB;\n border-left: 4px solid #00629A;\n padding: 1.85rem 2rem;\n border-radius: 0 8px 8px 0;\n}\n.mission-block p {\n font-family: 'Crimson Pro', Georgia, serif;\n font-size: 1.05rem;\n line-height: 1.75;\n color: #1C2430;\n margin: 0 0 1.1rem;\n}\n.mission-block p:last-child { margin-bottom: 0; }\n\n\/* Motto callout \u2014 reused *\/\n.motto {\n background: #002147;\n color: #FFFFFF;\n padding: 1.85rem 1.85rem;\n border-radius: 8px;\n text-align: center;\n}\n.motto__quote {\n font-family: 'Crimson Pro', Georgia, serif;\n font-style: italic;\n font-size: 1.5rem;\n margin: 0 0 .55rem;\n color: #FFFFFF;\n}\n.motto__attr {\n font-family: 'Sora', sans-serif;\n font-size: .8rem;\n font-weight: 600;\n text-transform: uppercase;\n letter-spacing: .14em;\n color: #6DC8F5;\n}\n\n\/* Feature callout *\/\n.feature-callout {\n background: linear-gradient(135deg, #002147 0%, #00629A 100%);\n color: #FFFFFF;\n border-radius: 8px;\n padding: 2rem 2.25rem;\n display: grid;\n grid-template-columns: 1fr auto;\n gap: 2rem;\n align-items: center;\n}\n.feature-callout__eyebrow {\n font-family: 'Sora', sans-serif;\n font-size: .72rem;\n font-weight: 600;\n letter-spacing: .12em;\n text-transform: uppercase;\n color: #6DC8F5;\n margin-bottom: .55rem;\n}\n.feature-callout__title {\n font-family: 'Sora', sans-serif;\n font-weight: 700;\n font-size: 1.5rem;\n color: #FFFFFF;\n margin: 0 0 .65rem;\n}\n.feature-callout__text {\n font-family: 'Crimson Pro', Georgia, serif;\n font-size: 1.02rem;\n line-height: 1.55;\n color: #FFFFFF;\n margin: 0;\n}\n.feature-callout .btn--primary { white-space: nowrap; }\n\n@media (max-width: 720px) {\n .cards-grid { grid-template-columns: 1fr; gap: 1rem; }\n .card__body { padding: 1.5rem 1.35rem 1.35rem; }\n .card__title { font-size: 1.2rem; }\n .feature-callout { grid-template-columns: 1fr; gap: 1.25rem; padding: 1.5rem 1.5rem; }\n}\n\n\/* ACA numbered options *\/\n.aca-list{display:grid;gap:1rem}\n.aca-item{display:flex;gap:1.25rem;align-items:flex-start;background:#FFFFFF;border:1px solid #C2D4E6;border-radius:12px;padding:1.5rem 1.75rem}\n.aca-item__num{flex-shrink:0;width:2.4rem;height:2.4rem;border-radius:50%;background:linear-gradient(135deg,#00629A 0%,#008ED6 100%);color:#FFFFFF;font-family:'Sora',sans-serif;font-weight:800;font-size:1.1rem;display:flex;align-items:center;justify-content:center}\n.aca-item__body{flex:1}\n.aca-item__title{font-family:'Sora',sans-serif;font-size:1.15rem;font-weight:800;color:#002147;margin:.2rem 0 .5rem;line-height:1.3}\n.aca-item__body p{font-family:'Crimson Pro',Georgia,serif;font-size:1.05rem;line-height:1.7;color:#1C2430;margin:0}\n.aca-item__body p a{color:#00629A;text-decoration:none;font-weight:700}\n.aca-item__body p a:hover{text-decoration:underline}\n.aca-item__body em{font-style:italic}\n\n\/* Open enrollment card *\/\n.enroll-card{background:#FFFFFF;border:1px solid #C2D4E6;border-left:4px solid #008ED6;border-radius:0 12px 12px 0;padding:1.75rem 2rem}\n.enroll-card p{font-family:'Crimson Pro',Georgia,serif;font-size:1.06rem;line-height:1.75;color:#1C2430;margin:0 0 .9rem}\n.enroll-links{display:flex;flex-wrap:wrap;gap:.75rem;margin-top:.4rem}\n.qlink{display:inline-flex;align-items:center;gap:.55rem;background:#FFFFFF;border:1px solid #C2D4E6;border-radius:999px;padding:.6rem 1.25rem;font-family:'Sora',sans-serif;font-size:.9rem;font-weight:600;color:#00629A;text-decoration:none;transition:border-color .2s ease,background .2s ease}\n.qlink::before{content:\"\";width:.5rem;height:.5rem;border-radius:50%;background:#008ED6;flex-shrink:0}\n.qlink:hover{border-color:#008ED6;background:#F3F7FB}\n\n\/* ADA overrides *\/\n.aca-item__title{color:#002147 !important}\n.aca-item__body p{color:#1C2430 !important}\n.enroll-card p{color:#1C2430 !important}\n.qlink{color:#00629A !important}\n\n\/* Important Dates feature *\/\n.dates-feature{background:#00152E;border-radius:14px;padding:2rem 2.25rem;background-image:radial-gradient(circle at 88% 15%,rgba(0,142,214,.25),transparent 60%);display:flex;flex-wrap:wrap;gap:1.5rem;align-items:center;justify-content:space-between}\n.dates-feature__body{flex:1;min-width:300px}\n.dates-feature__title{font-family:'Sora',sans-serif;font-size:1.4rem;font-weight:800;color:#FFFFFF !important;margin:0 0 .6rem;line-height:1.25}\n.dates-feature__text{font-family:'Crimson Pro',Georgia,serif;font-size:1.08rem;line-height:1.75;color:#DCE9F6 !important;margin:0}\n<\/style>\n<\/head>\n<body>\n\n<a href=\"#main-content\" class=\"skip-link\">Skip to main content<\/a>\n\n<nav class=\"breadcrumb\" aria-label=\"Breadcrumb\">\n<div class=\"w\"><ol class=\"breadcrumb__list\">\n <li><a href=\"https:\/\/www.jsums.edu\/\">JSU Home<\/a><\/li>\n <li><a href=\"https:\/\/www.jsums.edu\/academics\">Academics<\/a><\/li>\n <li><a href=\"https:\/\/www.jsums.edu\/graduateschool\">Division of Graduate Studies<\/a><\/li>\n <li><span aria-current=\"page\">Affordable Care Act<\/span><\/li>\n<\/ol><\/div>\n<\/nav>\n\n<main id=\"main-content\" class=\"jsu-main-content\">\n\n <!-- HERO -->\n <section class=\"hero dk\" aria-labelledby=\"hero-h\">\n <div class=\"w\"><div class=\"hero__inner\"><div>\n <span class=\"hero__tag\">Jackson State University · Division of Graduate Studies<\/span>\n <h1 class=\"hero__title\" id=\"hero-h\">\n Affordable Care <em>Act<\/em>\n <\/h1>\n <p class=\"hero__desc\">\n Health insurance options for JSU students under the Affordable Care Act\n — parental coverage, student plans, the Marketplace, and more.\n <\/p>\n <div class=\"hero__btns\">\n <a href=\"#options\" class=\"btn btn--primary\">Insurance Options<\/a>\n <a href=\"#contact\" class=\"btn btn--outline-white\">Contact<\/a>\n <\/div>\n <\/div><\/div><\/div>\n <\/section>\n\n <!-- INTRO -->\n <section class=\"sec\" id=\"options\" aria-labelledby=\"options-h\">\n <div class=\"w\">\n <div class=\"sec-head\" style=\"margin-bottom:1.5rem;\">\n <span class=\"sec-eyebrow\">Affordable Care Act<\/span>\n <h2 class=\"sec-title\" id=\"options-h\">Health insurance options for students<\/h2>\n <\/div>\n <div class=\"intro-prose\" style=\"max-width:900px;margin-bottom:1.75rem;\">\n <p style=\"font-family:'Crimson Pro',Georgia,serif;font-size:1.15rem;line-height:1.85;color:#1C2430;margin:0 0 1rem;\">Dear JSU Student,<\/p>\n <p style=\"font-family:'Crimson Pro',Georgia,serif;font-size:1.15rem;line-height:1.85;color:#1C2430;margin:0 0 1rem;\">The Affordable Care Act, commonly known as Obamacare, seeks to make insurance easier to compare and buy by creating online marketplaces in each state. Individuals can compare plans and purchase the package that works best for them.<\/p>\n <p style=\"font-family:'Crimson Pro',Georgia,serif;font-size:1.15rem;line-height:1.85;color:#1C2430;margin:0;\">Below are the health insurance options that are available to students:<\/p>\n <\/div>\n\n <div class=\"aca-list\">\n <div class=\"aca-item\">\n <span class=\"aca-item__num\" aria-hidden=\"true\">1<\/span>\n <div class=\"aca-item__body\">\n <h3 class=\"aca-item__title\">Your Parents<\/h3>\n <p>Students can remain under their parents’ health insurance until they turn 26 <em>(even if married).<\/em><\/p>\n <\/div>\n <\/div>\n <div class=\"aca-item\">\n <span class=\"aca-item__num\" aria-hidden=\"true\">2<\/span>\n <div class=\"aca-item__body\">\n <h3 class=\"aca-item__title\">Student Health Insurance Plan<\/h3>\n <p>Some colleges and universities are offering a comprehensive school-sponsored plan that meets ACA requirements from outside insurance companies. Students interested in enrolling in a comprehensive plan should email the following information to <a href=\"mailto:deanofstudents@jsums.edu\">deanofstudents@jsums.edu<\/a>: name, J#, classification, e-mail address, and telephone number.<\/p>\n <\/div>\n <\/div>\n <div class=\"aca-item\">\n <span class=\"aca-item__num\" aria-hidden=\"true\">3<\/span>\n <div class=\"aca-item__body\">\n <h3 class=\"aca-item__title\">The Exchange (Marketplace)<\/h3>\n <p>Also known as the marketplace, this is a key feature of the ACA. Shop online to find the right health insurance plan for you. <em>(See Open Enrollment information below.)<\/em><\/p>\n <\/div>\n <\/div>\n <div class=\"aca-item\">\n <span class=\"aca-item__num\" aria-hidden=\"true\">4<\/span>\n <div class=\"aca-item__body\">\n <h3 class=\"aca-item__title\">Medicaid and CHIP<\/h3>\n <p>If you can’t afford insurance, and your income is within the state-mandated range, you may be entitled to Medicaid or the Children’s Health Insurance Plan.<\/p>\n <\/div>\n <\/div>\n <div class=\"aca-item\">\n <span class=\"aca-item__num\" aria-hidden=\"true\">5<\/span>\n <div class=\"aca-item__body\">\n <h3 class=\"aca-item__title\">Other Private Insurance Plans<\/h3>\n <p>There are a variety of options available to students in the private market. Catastrophic coverage is a popular option for adults under 30 years of age. The plan is less expensive and generally provides coverage for major events such as hospitalizations or surgery.<\/p>\n <\/div>\n <\/div>\n <\/div>\n\n <p style=\"font-family:'Crimson Pro',Georgia,serif;font-size:1.08rem;line-height:1.8;color:#1C2430;margin:1.75rem 0 0;max-width:900px;\">There are pros and cons to each of these options, and it’s important to carefully assess your options before you make a decision. Prices and benefits vary widely.<\/p>\n <p style=\"font-family:'Crimson Pro',Georgia,serif;font-size:1.08rem;line-height:1.8;color:#1C2430;margin:1rem 0 0;max-width:900px;\">If you decide not to get health insurance, you or your parents may be assessed a penalty. The Affordable Care Act mandates that most people have insurance. However, individuals who earn less than approximately $10,000 annually are exempt. Most college students fall into this category. However, if you are claimed as a dependent, the penalty is based on your parent’s income.<\/p>\n <\/div>\n <\/section>\n\n <!-- OPEN ENROLLMENT -->\n <section class=\"sec sec--off\" id=\"enrollment\" aria-labelledby=\"enroll-h\">\n <div class=\"w\">\n <div class=\"sec-head\" style=\"margin-bottom:1.25rem;\">\n <span class=\"sec-eyebrow\">Open enrollment<\/span>\n <h2 class=\"sec-title\" id=\"enroll-h\">*Open enrollment<\/h2>\n <\/div>\n <div class=\"enroll-card\">\n <p>Please visit the website below for the Open Enrollment deadlines.<\/p>\n <p>If you haven’t enrolled in coverage, you generally can’t buy Marketplace health coverage until the next Open Enrollment period for coverage the following year.<\/p>\n <p>Learn more about the ACA at:<\/p>\n <div class=\"enroll-links\">\n <a href=\"http:\/\/www.healthcare.gov\/\" class=\"qlink\">www.healthcare.gov<\/a>\n <a href=\"http:\/\/www.healthcare.gov\/young-adults\/college-students\/\" class=\"qlink\">www.healthcare.gov\/young-adults\/college-students\/<\/a>\n <\/div>\n <\/div>\n <\/div>\n <\/section>\n\n <!-- IMPORTANT DATES -->\n <section class=\"sec\" id=\"important-dates\" aria-labelledby=\"dates-h\">\n <div class=\"w\">\n <div class=\"dates-feature\">\n <div class=\"dates-feature__body\">\n <h2 class=\"dates-feature__title\" id=\"dates-h\">Important Dates<\/h2>\n <p class=\"dates-feature__text\">Keep up-to-date with all important dates for the current semester at Jackson State University. If you have any questions about the information listed, please do not hesitate to contact us and we will be happy to help you further.<\/p>\n <\/div>\n <div>\n <a href=\"https:\/\/www.jsums.edu\/graduateschool\/important-dates\/\" class=\"btn btn--primary\">Important Dates<\/a>\n <\/div>\n <\/div>\n <\/div>\n <\/section>\n\n <!-- CTA BAND -->\n <section class=\"cta-band dk\" aria-labelledby=\"cta-h\">\n <div class=\"w\"><div class=\"cta-band__inner\">\n <div>\n <h2 class=\"cta-band__title\" id=\"cta-h\">Ready to pursue your graduate degree?<\/h2>\n <p class=\"cta-band__sub\">Apply to JSU graduate study or contact the Division of Graduate Studies for guidance on programs, admissions, and funding.<\/p>\n <\/div>\n <div class=\"cta-band__btns\">\n <a href=\"https:\/\/www.jsums.edu\/graduateschool\/prospective-students-home\/\" class=\"btn btn--primary\">Apply Now<\/a>\n <a href=\"https:\/\/www.jsums.edu\/recruitment2\/\" class=\"btn btn--outline-white\" aria-label=\"Request Information about JSU graduate programs\">Request Information<\/a>\n <\/div>\n <\/div><\/div>\n <\/section>\n\n <!-- CONTACT -->\n <section class=\"sec sec--surface\" id=\"contact\" aria-labelledby=\"contact-h\">\n <div class=\"w\">\n <div class=\"sec-head\" style=\"margin-bottom:1.5rem;\">\n <span class=\"sec-eyebrow\">Get in Touch<\/span>\n <h2 class=\"sec-title\" id=\"contact-h\">Contact the Division of Graduate Studies<\/h2>\n <\/div>\n <div class=\"contact-items\">\n <div class=\"contact-item\">\n <div class=\"contact-icon\" aria-hidden=\"true\">📍<\/div>\n <div>\n <div class=\"contact-item__label\">Physical Address<\/div>\n <div class=\"contact-item__val\">\n Division of Graduate Studies<br>\n 1400 John R. Lynch Street<br>\n Jackson, MS 39217–0280\n <\/div>\n <\/div>\n <\/div>\n <div class=\"contact-item\">\n <div class=\"contact-icon\" aria-hidden=\"true\">✉<\/div>\n <div>\n <div class=\"contact-item__label\">Mailing Address<\/div>\n <div class=\"contact-item__val\">\n Division of Graduate Studies<br>\n Jackson State University<br>\n P.O. Box 17095<br>\n Jackson, MS 39217\n <\/div>\n <\/div>\n <\/div>\n <div class=\"contact-item\">\n <div class=\"contact-icon\" aria-hidden=\"true\">📞<\/div>\n <div>\n <div class=\"contact-item__label\">Phone<\/div>\n <div class=\"contact-item__val\"><a href=\"tel:+16019792455\">(601) 979-2455<\/a><\/div>\n <\/div>\n <\/div>\n <div class=\"contact-item\">\n <div class=\"contact-icon\" aria-hidden=\"true\">💬<\/div>\n <div>\n <div class=\"contact-item__label\">Quick Contacts<\/div>\n <div class=\"contact-item__val\"><a href=\"https:\/\/www.jsums.edu\/graduateschool\/quick-contacts\/\">Graduate School Quick Contacts<\/a><\/div>\n <\/div>\n <\/div>\n <\/div>\n <\/div>\n <\/section>\n\n<\/main><!-- end #main-content -->\n\n<button class=\"fnav-toggle\"\n aria-label=\"Open page navigation menu\"\n aria-expanded=\"false\"\n aria-controls=\"fnav-drawer\"\n type=\"button\">\n <span class=\"fnav-toggle__icon\" aria-hidden=\"true\">☰<\/span>\n <span class=\"fnav-toggle__label\">Menu<\/span>\n<\/button>\n\n<div class=\"fnav-overlay\" id=\"fnav-overlay\" aria-hidden=\"true\"><\/div>\n\n<nav class=\"fnav-drawer\" id=\"fnav-drawer\" aria-label=\"Page navigation\" aria-hidden=\"true\">\n\n <div class=\"fnav-drawer__header\">\n <div>\n <span class=\"fnav-drawer__eyebrow\">Academics<\/span>\n <span class=\"fnav-drawer__title\">Graduate Studies<\/span>\n <\/div>\n <button class=\"fnav-close\" aria-label=\"Close navigation menu\" type=\"button\">×<\/button>\n <\/div>\n\n <div class=\"fnav-drawer__body\">\n <div class=\"fnav-group\">\n <ul class=\"fnav-group__items\" role=\"list\">\n <li>\n <a href=\"https:\/\/www.jsums.edu\/graduateschool\/\" class=\"fnav-item\" aria-current=\"false\">\n <span class=\"fnav-item__dot\" aria-hidden=\"true\"><\/span>\n <span class=\"fnav-item__text\">Grad Studies Home<\/span>\n <\/a>\n <\/li>\n <li>\n <a href=\"#about\" class=\"fnav-item\" aria-current=\"false\">\n <span class=\"fnav-item__dot\" aria-hidden=\"true\"><\/span>\n <span class=\"fnav-item__text\">Welcome<\/span>\n <\/a>\n <\/li>\n <li>\n <a href=\"#programs\" class=\"fnav-item\" aria-current=\"false\">\n <span class=\"fnav-item__dot\" aria-hidden=\"true\"><\/span>\n <span class=\"fnav-item__text\">Featured Programs<\/span>\n <\/a>\n <\/li>\n <li>\n <a href=\"https:\/\/www.jsums.edu\/graduateschool\/prospective-students-home\/\" class=\"fnav-item\" aria-current=\"false\">\n <span class=\"fnav-item__dot\" aria-hidden=\"true\"><\/span>\n <span class=\"fnav-item__text\">Prospective Students<\/span>\n <\/a>\n <\/li>\n <li style=\"padding-left:1.25rem;\">\n <a href=\"https:\/\/www.jsums.edu\/graduateschool\/areas-of-study\/\" class=\"fnav-item\" aria-current=\"false\">\n <span class=\"fnav-item__dot\" aria-hidden=\"true\"><\/span>\n <span class=\"fnav-item__text\">Areas of Study<\/span>\n <\/a>\n <\/li>\n <li style=\"padding-left:1.25rem;\">\n <a href=\"https:\/\/www.jsums.edu\/graduateschool\/masters-admissions\/\" class=\"fnav-item\" aria-current=\"false\">\n <span class=\"fnav-item__dot\" aria-hidden=\"true\"><\/span>\n <span class=\"fnav-item__text\">Masters Admissions<\/span>\n <\/a>\n <\/li>\n <li style=\"padding-left:1.25rem;\">\n <a href=\"https:\/\/www.jsums.edu\/graduateschool\/specialist-admissions\/\" class=\"fnav-item\" aria-current=\"false\">\n <span class=\"fnav-item__dot\" aria-hidden=\"true\"><\/span>\n <span class=\"fnav-item__text\">Specialist Admissions<\/span>\n <\/a>\n <\/li>\n <li style=\"padding-left:1.25rem;\">\n <a href=\"https:\/\/www.jsums.edu\/graduateschool\/doctoral-admissions\/\" class=\"fnav-item\" aria-current=\"false\">\n <span class=\"fnav-item__dot\" aria-hidden=\"true\"><\/span>\n <span class=\"fnav-item__text\">Doctoral Admissions<\/span>\n <\/a>\n <\/li>\n <li style=\"padding-left:1.25rem;\">\n <a href=\"https:\/\/www.jsums.edu\/graduateschool\/non-degree-seeking-admissions\/\" class=\"fnav-item\" aria-current=\"false\">\n <span class=\"fnav-item__dot\" aria-hidden=\"true\"><\/span>\n <span class=\"fnav-item__text\">Non-Degree Seeking<\/span>\n <\/a>\n <\/li>\n <li style=\"padding-left:1.25rem;\">\n <a href=\"https:\/\/www.jsums.edu\/graduateschool\/graduate-funding-financial-aid\/\" class=\"fnav-item\" aria-current=\"false\">\n <span class=\"fnav-item__dot\" aria-hidden=\"true\"><\/span>\n <span class=\"fnav-item__text\">Graduate Funding & Financial Aid<\/span>\n <\/a>\n <\/li>\n <li style=\"padding-left:1.25rem;\">\n <a href=\"https:\/\/www.jsums.edu\/graduateschool\/important-dates\/\" class=\"fnav-item\" aria-current=\"false\">\n <span class=\"fnav-item__dot\" aria-hidden=\"true\"><\/span>\n <span class=\"fnav-item__text\">Important Dates<\/span>\n <\/a>\n <\/li>\n <li>\n <a href=\"https:\/\/www.jsums.edu\/graduateschool\/current-students\/\" class=\"fnav-item\" aria-current=\"false\">\n <span class=\"fnav-item__dot\" aria-hidden=\"true\"><\/span>\n <span class=\"fnav-item__text\">Current Students<\/span>\n <\/a>\n <\/li>\n <li style=\"padding-left:1.25rem;\">\n <a href=\"https:\/\/www.jsums.edu\/graduateschool\/graduate-catalog\/\" class=\"fnav-item\" aria-current=\"false\">\n <span class=\"fnav-item__dot\" aria-hidden=\"true\"><\/span>\n <span class=\"fnav-item__text\">Graduate Catalog<\/span>\n <\/a>\n <\/li>\n <li style=\"padding-left:1.25rem;\">\n <a href=\"https:\/\/www.jsums.edu\/graduateschool\/cyberorientation\/\" class=\"fnav-item\" aria-current=\"false\">\n <span class=\"fnav-item__dot\" aria-hidden=\"true\"><\/span>\n <span class=\"fnav-item__text\">Cyber Orientation<\/span>\n <\/a>\n <\/li>\n <li style=\"padding-left:1.25rem;\">\n <a href=\"https:\/\/www.jsums.edu\/graduateschool\/dissertation-thesis\/\" class=\"fnav-item\" aria-current=\"false\">\n <span class=\"fnav-item__dot\" aria-hidden=\"true\"><\/span>\n <span class=\"fnav-item__text\">Dissertation & Thesis<\/span>\n <\/a>\n <\/li>\n <li style=\"padding-left:1.25rem;\">\n <a href=\"https:\/\/www.jsums.edu\/researchcompliance\/irb-protocol\/\" class=\"fnav-item\" aria-current=\"false\">\n <span class=\"fnav-item__dot\" aria-hidden=\"true\"><\/span>\n <span class=\"fnav-item__text\">IRB<\/span>\n <\/a>\n <\/li>\n <li style=\"padding-left:1.25rem;\">\n <a href=\"https:\/\/www.jsums.edu\/researchcompliance\/protocolprocess\/\" class=\"fnav-item\" aria-current=\"false\">\n <span class=\"fnav-item__dot\" aria-hidden=\"true\"><\/span>\n <span class=\"fnav-item__text\">Animal Care & Use Committee<\/span>\n <\/a>\n <\/li>\n <li style=\"padding-left:1.25rem;\">\n <a href=\"https:\/\/www.jsums.edu\/researchcompliance\/biosafety\/\" class=\"fnav-item\" aria-current=\"false\">\n <span class=\"fnav-item__dot\" aria-hidden=\"true\"><\/span>\n <span class=\"fnav-item__text\">Biosafety Committee<\/span>\n <\/a>\n <\/li>\n <li style=\"padding-left:1.25rem;\">\n <a href=\"https:\/\/www.jsums.edu\/disability\/\" class=\"fnav-item\" aria-current=\"false\">\n <span class=\"fnav-item__dot\" aria-hidden=\"true\"><\/span>\n <span class=\"fnav-item__text\">Students With Disabilities<\/span>\n <\/a>\n <\/li>\n <li>\n <a href=\"https:\/\/www.jsums.edu\/graduateschool\/international-students\/\" class=\"fnav-item\" aria-current=\"false\">\n <span class=\"fnav-item__dot\" aria-hidden=\"true\"><\/span>\n <span class=\"fnav-item__text\">International Students<\/span>\n <\/a>\n <\/li>\n <li>\n <a href=\"https:\/\/www.jsums.edu\/graduateschool\/affordable-care-act-3\/\" class=\"fnav-item\" aria-current=\"page\">\n <span class=\"fnav-item__dot\" aria-hidden=\"true\"><\/span>\n <span class=\"fnav-item__text\">Affordable Care Act<\/span>\n <\/a>\n <\/li>\n <li>\n <a href=\"https:\/\/www.jsums.edu\/graduateschool\/graduate-forms\/\" class=\"fnav-item\" aria-current=\"false\">\n <span class=\"fnav-item__dot\" aria-hidden=\"true\"><\/span>\n <span class=\"fnav-item__text\">Forms<\/span>\n <\/a>\n <\/li>\n <li>\n <a href=\"https:\/\/www.jsums.edu\/graduateschool\/best-practices\/\" class=\"fnav-item\" aria-current=\"false\">\n <span class=\"fnav-item__dot\" aria-hidden=\"true\"><\/span>\n <span class=\"fnav-item__text\">Best Practices<\/span>\n <\/a>\n <\/li>\n <li>\n <a href=\"https:\/\/www.jsums.edu\/graduateschool\/annual-report\/\" class=\"fnav-item\" aria-current=\"false\">\n <span class=\"fnav-item__dot\" aria-hidden=\"true\"><\/span>\n <span class=\"fnav-item__text\">Annual Reports<\/span>\n <\/a>\n <\/li>\n <li>\n <a href=\"https:\/\/www.jsums.edu\/graduateschool\/graduation-education-website\/\" class=\"fnav-item\" aria-current=\"false\">\n <span class=\"fnav-item__dot\" aria-hidden=\"true\"><\/span>\n <span class=\"fnav-item__text\">Resources<\/span>\n <\/a>\n <\/li>\n <li>\n <a href=\"#council\" class=\"fnav-item\" aria-current=\"false\">\n <span class=\"fnav-item__dot\" aria-hidden=\"true\"><\/span>\n <span class=\"fnav-item__text\">Graduate Council<\/span>\n <\/a>\n <\/li>\n <li style=\"padding-left:1.25rem;\">\n <a href=\"https:\/\/www.jsums.edu\/graduateschool\/graduate-council-overview\/\" class=\"fnav-item\" aria-current=\"false\">\n <span class=\"fnav-item__dot\" aria-hidden=\"true\"><\/span>\n <span class=\"fnav-item__text\">Council Overview<\/span>\n <\/a>\n <\/li>\n <li style=\"padding-left:1.25rem;\">\n <a href=\"https:\/\/www.jsums.edu\/graduateschool\/graduate-curriculum-committee\/\" class=\"fnav-item\" aria-current=\"false\">\n <span class=\"fnav-item__dot\" aria-hidden=\"true\"><\/span>\n <span class=\"fnav-item__text\">Curriculum Committee<\/span>\n <\/a>\n <\/li>\n <li style=\"padding-left:1.25rem;\">\n <a href=\"https:\/\/www.jsums.edu\/graduateschool\/graduate-faculty-committee\/\" class=\"fnav-item\" aria-current=\"false\">\n <span class=\"fnav-item__dot\" aria-hidden=\"true\"><\/span>\n <span class=\"fnav-item__text\">Faculty Status Committee<\/span>\n <\/a>\n <\/li>\n <li style=\"padding-left:1.25rem;\">\n <a 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