Time is Running Out to Sign Up for Marketplace Insurance

Open Enrollment for Marketplace insurance ends January 31st. Even though the future of the ACA is less than certain, there are no changes to Marketplace insurance or Cost Assistance yet. If you are still in need of health insurance for 2017, please sign up at Healthcare.gov or your state’s Marketplace while you still can. Support Marketplaces and Cost Assistance…

Health Insurance Cancellation Reform for Non-Payment

Health Insurance Cancellation Reform – Prohibition on Rescissions for Non-Payment in the Individual and Family Market. Below is a proposed solution to the problem of health insurance cancellations for non-payment. If your health plan has been dropped due to non-payment, please share your story here. The problem: Despite the fact that the ACA has done a lot to crack…

Life Insurance For Chronic Illness?

Life insurance, unlike health insurance under ObamaCare, is not typically guaranteed issue. However, there are options for those with chronic illnesses.

Health Plan Options for College Students

College students have a number of health plan options including the Marketplace, Medicaid, school health plans, catastrophic plans, and their parents plan. Below we take a look at student health options under the Affordable Care Act (ObamaCare). FACT: A university health plan counts as Minimum Essential Coverage for ObamaCare if it’s fully insured or self insured. Aside…

How Can a Business Owner Obtain Health Insurance?

Employees of a small business will be covered under a group health plan, but employers should get a private health plan. Options include the Marketplace using cost assistance based on income, and shopping outside the health insurance Marketplace.

Is Obama Care the Only Way to Get Insurance?

Under the Affordable Care Act (ObamaCare) there many ways to get covered including the new Health Insurance Marketplace and new Medicaid options. Those aren’t your only options, but are the only options that qualify for cost assistance.

Is There Free Health Insurance?

Medicaid and CHIPP are free or low-cost health insurances that are offered to all adults under the poverty line in some states due to ObamaCare, but have limited eligibility in others. The fact that some states rejected expanding Medicaid means millions of hardworking low-income adults are left without coverage options.

HRAs, FSAs, and Employer Healthcare Arrangements

Employers can use Health Reimbursement Arrangements (HRAs), Employer Payment Plans, and Flexible Spending Accounts (FSAs) to save money on healthcare. We take a look at healthcare arrangements to find out how they can benefits employers and employees alike. We will also look at how they affect employer and employee taxes and penalties. It’s important to understand…

Self-Employed Health Insurance

ObamaCare and Health Insurance for the Self-Employed The Affordable Care Act (ObamaCare) has some important implications for how the self-employed go about obtaining, maintaining, and paying for health coverage. If you’re self-employed, most of the healthcare provisions in the ACA apply to you.  Let’s take a look at how you’re affected by ObamaCare, how you can reduce the cost of coverage, and how…

Does Everyone Have to Enroll in Health Insurance?

Everyone has to enroll in coverage and maintain it throughout the year if they can afford it, get an exemption, or pay a fee. You must enroll in coverage during open enrollment. If you miss your insurance type’s enrollment period you may have other options.

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