Harriett Zak has plenty of complaints about Obamacare, but ifthe U.S. Supreme Court rules in favor of a challenge to the healthcare program, Zaks monthly premium will jump from about $443to about $755.

And shes not sure how she can afford her three prescriptionsand doctor visits that keep her healthy.

I think theres no way we can afford this amount of money, $755a month, said Zak, 62, of the West Creek section of Eagleswood. Iwould probably go without. I dont feel we have other options.

The Supreme Court by the end of the month is expected to an-nounce its decision in King v. Burwell, a case that could deal a blowto the Patient Protection and Affordable Care Act, and force Zak and thousands of other New Jerseyans to pay either the full costof health insurance or a stiff penalty to the IRS.

34 states affected

At issue is whether consumers in New Jersey and 33 other stateswho buy insurance using a federally operated exchange are eligi-ble to receive subsidies. The law says only that consumers on state-based exchanges are eligible for tax credits.

The Obama administration and its backers have said the lawsintent was clear; the subsidies should have been eligible on both thestate and federal exchanges and the wording was simply an over-sight.

Critics say the law is the law, and they point to comments madeby an adviser who helped create it, Jonathan Gruber. The Massa-chusetts Institute of Technology professor irked consumers, in-cluding Zak, when he said the law took advantage of the American

MICHAEL L. DIAMOND @MDIAMONDAPP

Challenge could wipe outtax credit for N.J. insured

See OBAMACARE, Page 8A

BELMAR Calling it a threat to public safety, PoliceChief Tom Palmisano said the borough will be lookingat ways to mitigate the gridlock that led officials toclose Belmar to all traffic during the 29th annual Sea-food Festival.

Palmisano said he wants to consider possibly open-ing up off-site parking lots and offering a shuttle ser-vice for festival attendees next year.

There were so many cars in town that our emer-gency vehicles didnt have a clean passage, Palmisa-no said. It becomes a safety issue. God forbid some-one needs first aid.

An estimated 200,000 people were in Belmar thisweekend for the beach, restaurants and Seafood Fes-tival.

By 3 p.m. Sunday, the town had reached capacity.Borough officials blocked all traffic from entering

PETER ACKERMAN/STAFF PHOTOGRAPHER

The annual Belmar Seafood Festival in Belmar on Saturday.

After festivalgridlock,town looksfor solutionsNICQUEL TERRY @NTERRYAPP

See GRIDLOCK, Page 10A

Edison-based Choice Home Warranty will paynearly $780,000, including money that will go back toconsumers, to settle a lawsuit filed by the state overits business practices.

Despite the representations in their contracts,these defendants allegedly used creative and decep-tive means to deny their customers claims, said act-ing state Attorney General John J. Hoffman in a state-ment.

The company agreed to pay $779,913.93, revise itsbusiness practices and retain a compliance monitorfor at least a year. The amount of restitution paid toconsumers will be determined based on the state Divi-

Warranty firm will pay $780G to settle lawsuitDAVID P. WILLIS @DPWILLIS732

See SETTLE, Page 8A

ASBURY PARK PRESS APP.COM $1.00

TUESDAY 06.16.15

VOLUME 136

NUMBER 143

SINCE 1879

ADVICE 7DCLASSIFIED 8DCOMICS 6DHEALTHY LIVING 1DLOCAL 3A

OBITUARIES 6AOPINION 9ASPORTS 1CTECH TUESDAY 5AWEATHER 8C

Senator encourages Sandy victims to reopen rejected claims. 3A

Grappling inGarden StateWWEs Daniel Bryan, due in N.J.this month, recalls late colleagueDusty Rhodes. Sports, 1C

DID JEB BUSH WAIT TOO LONG TO JOIN PRESIDENTIAL RACE? PAGE 1B

The last word in baby monitors, and otheroddly useful gadgets. Tech Tuesday, 5A

Weird, wonderful tech

WHATS AT STAKE

Those making up to fourtimes the poverty rate (indi-viduals, $46,680; family offour, $95,400), get tax cred-its to buy health insurance. Fee for uninsured: $325per adult, $162.50 per child,or 2 percent of taxable in-come, whichever is greater. 172,245 in N.J. got a $313average monthly credit.