Category: Healthcare Reform

Paying Too Much For Insurance?

When was the last time you checked the market for a different health insurance plan? Why should you? The fact is that in the era of Obamacare new plans are constantly becoming available and old plans are constantly changing or going away altogether. What does this mean? Often, people are paying too much for their health coverage without even realizing it. Get a free review of coverage today using the link below so we can

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Short-Term Isn’t So Short

For the last few years short-term health insurance plans have only been allowed to last for a maximum coverage period of three months. This decision forced many families into overly expensive health plans in the Healthcare.gov Marketplace. On October 2nd all of that changed. These plans are now allowed to last for one year just like any other medical plan. This means that you have more options, more networks, and often better prices to choose

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What is a Copay?

Understanding A Copay Some insurance plans offer a type of office visit payment called a?copay. This term can be confusing as it does not mean the same thing every time. Typically, a copay is the amount that you are required to pay to be seen for service. That part is easy to understand. The difficult part is whether or not the copay is all you will pay for the service that you are receiving. Some

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How Do Subsidies Work?

Can I save money? Every year Open Enrollment for the Affordable Care Act, also known as Obamacare, starts in November and people always ask what is the cheapest plan they can get? The answer is, it depends! The Affordable Care Act allows for certain individuals to receive subsidies based on income levels. However, you must first meet a certain income level before you are allowed to receive a subsidy. What does this mean? For an

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Open Enrollment Is Here!

Open Enrollment for 2019 begins today. During the next 45 days, you can sign up for any insurance plan on the Healthcare Marketplace without the need for a special enrollment period. Our team is standing by to help you with this process. Why should you talk to an agent? Healthcare is complicated. An agent can help you understand the laws, coverages, and other things about health insurance that impact your life. Agents have access to

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Individual Mandate Repeal: How It Impacts You

It is true that the recently signed into law tax bill does remove the individual mandate from the Affordable Care Act. However, this repeal of the mandate does not go into effect until 2019. This means that you must still have minimum essential coverage for 2018 or face the possibility of a tax penalty. So what exactly does this mean? For 2018 you must have minimum essential coverage in order to avoid the tax penalty.

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healthcare.gov insurance short term long term

I Missed Open Enrollment, What Can I Do?

If you have missed the open enrollment period for the Healthcare.gov marketplace that does?not mean you cannot get insurance coverage for 2018. ?There are many options to get coverage for the New Year, including avoiding the 2018 ACA Penalty. Because you missed the deadline you do not have?as many options and will not be eligible for a subsidy but you can get affordable coverage by contacting an agent/broker to assist you with a plan. Our

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healthcare.gov insurance short term long term

Open Enrollment Is In Full Swing

2018 Open Enrollment is in full swing and everything is running smoothly so far. It is not too late to get coverage for 2018 but time is running out. Open Enrollment was cut from 90 days down to 45 days this year and ends on December 15th in most states. There is also no word on when changes will be made by CMS and HHS regardign the Executive Order the President signed in October. That

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Open Enrollment 2018 Begins Tomorrow!

It is finally here, Open Enrollment 2018! Tomorrow you will be able to enroll for insurance plans under the Affordable Care Act for the 2018 plan year. Here is what you need to know: Open Enrollment lasts from November 1st to December 15th in most states. Premiums have increased in most areas. We have actually spoken to consumers who have been told their premiums are increasing by 50%. Deductibles are also going up. There are

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Schedule Your Open Enrollment Consultation Today

2018 prices for the Affordable Care Act are now available. The Open Enrollment period starts on Wednesday and there are still many questions about regulations and any new laws or orders that would impact everyday Americans. Our team is here to help you navigate all of those issues and to get the coverage that you and your family needs for 2018. Schedule a Free Consultation today. Our team will not only help you with your

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