Short Term Health Insurance for 2018 – 2019

Getting Short Term Health Insurance For 2018 – 2019 For 2019 you can opt to get short term health insurance instead of a marketplace plan, however short term plans don’t offer all the benefits, rights, and protections of comprehensive health insurance. Why Choose Short Term Insurance Since the fee for not having coverage is reduced…

Can Domestic Partners and LGBT Couples Get Marketplace Insurance?

Domestic Partners and LGBT Couples Can Get Marketplace Health Insurance. If you have an unmarried partner, LGBT or not, your eligibility for subsidies and tax credits depends on how you file your taxes and on state regulations. Some insurance companies offer coverage for unmarried domestic partners, and some do not; you need to check the…

Short Term Health Insurance Vs. ObamaCare

Understanding Short Term Health Insurance Under the Affordable Care Act We explain short term health insurance and how it is different than major medical coverage that count as minimum essential coverage under ObamaCare (the ACA). In other words, short term health insurance is a limited benefit health insurance that doesn’t follow the new rules of the…

How Can I Get Free Healthcare?

How Can I Get Free or Low Cost Healthcare and/or Health Insurance? Free or low-cost healthcare options include marketplace insurance with cost assistance, V.A., Medicaid/CHIP, and Medicare. Sometimes people qualify for medical care because of membership in other groups or they can use clinics. TIP: If you don’t find what you are looking for, see…

How to Use HealthCare.Gov

How Do I Use Healthcare.gov to Sign Up, Shop For Plans, Get Assistance, and Enroll in Health Insurance? We explain how to use the official Health Insurance Marketplace HealthCare.Gov to sign up, shop for coverage, get assistance, and enroll in a health plan. First, to get started, you will need to go to HealthCare.Gov and select your state…

What to do When the Healthcare.Gov Marketplace is Down

How to Get Help With Health Insurance When Healthcare.gov is Down We explain what to do when the Healthcare.Gov Marketplace website is down during 2018 open enrollment. One option is to get help from a qualified broker. Another option is to contact an insurer directly. Another option is to call HealthCare.Gov at 1-800-318-2596 (TTY: 1-855-889-4325) (although if…

Incarceration and Health Insurance

Do Incarcerated Individuals Get Healthcare? Incarcerated Individuals and Marketplace Health Coverage, Private Health Coverage, Medicaid, Medicare, and SSI We explore the rights of incarcerated individuals to Medicaid, Medicare, and SSI, which provide continued care for incarcerated people after confinement. All incarcerated people have a right to medical care and attention. However, incarcerated individuals don’t have the…

Facts on the American Health Care Act

Everything You Need to Know About the American Health Care Act Below is an unbiased list of everything you need to know about the American Health Care Act (the ObamaCare replacement plan some call TrumpCare). TIP: Everything below is subject to change, these facts are based on the bill as it was before passing the House (with…

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…

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