Buying health insurance on the Marketplace

Have you gone to inquire for health insurance and subsidies on the Marketplace (healthcare.gov)?  I have been enrolling my customers through the system over the past 4 months.  I can tell you it has not been a smooth process for the most part.  I have entered with a customer their information in the systems more [...]

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Obamacare On Marketplace with Subsidities or Off Marketplace

  I have been involved with some of the Obamacare (Affordable Care Act (ACA)) On Marketplace and Off Marketplace enrollments during the Open Enrollment Period.  This year the enrollment period goes through March 31st for 2014.  I have seen a few issues with the Healthcare.gov website that have caused clients not to be able to [...]

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ACA Individual Health Insurance different networks HMO, PPO and POS

If you need help understanding your ACA Individual Health Insurance plan if you can get a subsidy, differences in PPO, HMO, or POS plans we have some information to help you better understand your options. We have seen that both on the Marketplace or Exchange and off of the Marketplace plans are much different that what we [...]

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ACA Policies and HealthCare.Gov – Still Time to Enroll

As January 1st is fast approaching the first ACA compliant policies are going into force some that have have been purchased through the Healthcare.gov and some that have been purchased through agents and direct with carriers.  The first part of the story is now people can get covered with no fear of being denied for [...]

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Subsidy Gap Created in Texas

I have been helping customers get enrolled in the Heath Insurance Marketplace (or Exchange) (www.healthcare.gov) to help them find the best options in health insurance with a Subsidy.  The task of going through the website can be frustrating on how many questions they ask and how many screens you need to go through and answer [...]

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All Employers Required to Notify Employees of Existence of Public Health Exchanges / Premium Tax Credits

This notification is required of all employers by October 1 with or without health plans offered to their full or part time employees.  Here is the information you need to understand and they Department of Labor (DOL) has example notification forms that you can customize for your needs.  There will be fines for non-compliance. All [...]

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AP Exclusive: Applying for health care not easy – Connecticut Post

  Applications done to obtain coverage on the exchange, may be as complicated as doing your taxes.  Health Care Reform applications in current drafts are 15 pages in length, online will be 21 steps with some added questions.  They will have at least three major federal agencies, including the IRS scrutinizing your application.  To qualify [...]

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Pediatricians Urged To Treat Ear Infections More Cautiously : Shots – Health News : NPR

Found this article on NPR on taking care of ear infections more cautiously and hold off on prescribing antibiotics.  We tend to use more antibiotics than we should.  This article suggest diagnosing correctly and waiting a couple of days with just using pain reliever, and many ear infections heal themselves. Pediatricians Urged To Treat Ear [...]

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Humana CEO: Higher insurance premiums ahead | Dallas-Fort Worth Business News – News for Dallas, Texas – The Dallas Morning News – The Dallas Morning News

Here is an interesting article from the Dallas Morning News and Humana’s CEO talking about Health Care Reform Premiums.  We are looking at having more free services with the Health Care Mandates that will drive premiums higher.  They are saying about a 40% increase in this article. Humana CEO: Higher insurance premiums ahead | Dallas-Fort [...]

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Tax help comes with health insurance advice – Los Angeles Times

This year as we approach the Affordable Care Act, a new question we will be asking when you are signing up for health insurance is about how much you earn.  The reason to ask this now is that the Health Insurance Exchange starting in October 2013 for signup will have subsidies to help you pay [...]

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