What is the Best Health Insurance Plan?

Tips on getting the best health insurance plan

The best health insurance plan for an individual or family is going to depend on the income and needs of that family. With that said, many will find a marketplace plan that qualifies for cost assistance to be the best value for them. Very generally speaking the best health plan when it comes to benefits… Read More

Summary of the Health Care and Education Reconciliation Act of 2010

Summary of the Health Care and Education Reconciliation Act of 2010 The HealthCare and Education Reconciliation Act of 2010 was signed into law along with the Patient Protection and Affordable Care Act, below is a summary. The health care related sections of both of these laws is what we usually think of as “ObamaCare”. The Student Aid and Fiscal… Read More

Claim Denied For a Preexisting Condition?

Insurers can still use loopholes to deny claims for preexisting conditions, although all new plans have to cover you, can’t drop you for being sick, can’t charge you more, and must pay claims on covered benefits.

Is There a Penalty for No Dental Coverage for Kids?

All private health plans that protect you from the fee include child dental and vision as a benefit, even if you already have it. You can reject dental or vision as a standalone, but won’t avoid the fee by having just dental or vision.

Are there Subsidies for Deductibles?

Only those with Silver marketplace plans, who make less than 250% FPL, can get cost assistance to lower deductibles. $6,600 for an individual $13,200 for a family.

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… Read More

Second Lowest Cost Silver Plan (SLCSP) and Tax Tools

Second Lowest Cost Silver Plans and Lowest Cost Bronze Plans Explained The Second Lowest Cost Silver Plan (SLCSP) is a plan on each state’s Marketplace used to determine cost assistance for ObamaCare. Likewise, the Lowest Cost Bronze Plan in each state’s marketplace is used to determine affordability. This page covers everything you need to know about Second… Read More

What are the Options for Employee With Unaffordable Coverage?

If employer coverage would cost more than 8% of your household income then you can claim an affordability exemption. If your employer offers a plan that costs more than 9.5% of household income then you can have them fill out an employer coverage tool and use the Marketplace.

Vision Insurance

Affordable Care Act Vision Coverage Vision insurance generally isn’t covered under the Affordable Care Act (ObamaCare).  However, pediatric eye care is a required benefit included on all plans that qualify as minimum essential coverage under the ACA. Even though adult vision coverage isn’t a required benefit of ObamaCare, “vision health” is still an important aspect… Read More

ObamaCare Replacement Plan: “CARE” Act Facts

Get the facts on the ObamaCare replacement plan by Burr, Hatch, and Upton: the Patient Choice, Affordability, Responsibility, and Empowerment (CARE) Act. Below we present a summary, some quick facts, a pros and cons chart, a complete section-by-section breakdown, and finally we compare the CARE Act proposal to ObamaCare. Keep in mind this is an older replacement… Read More

ObamaCare: 10 Million Strong and Growing

ObamaCare sign up numbers reach 10 million after a surge in Federal Marketplace enrollments. A February 2015 HHS report shows ObamaCare is working. Enrollment numbers have surpassed 10 million between the state and federal marketplaces. It also points out some other really cool and groundbreaking facts about the uninsured rate (updated with citations on March 18 2015)…. Read More

ObamaCare Exemptions List

A list of ObamaCare’s Exemptions, including Hardship Exemptions, you can apply for in order to qualify for Special Enrollment or be exempt from the fee can be found below. This page just covers the basics, see our page on ObamaCare Exemptions for further details on exemptions and the fee (active on plans held in 2014 –… Read More

Individual Shared Responsibility Payment

The Individual Shared Responsibility Payment is the fee for not having Minimum Essential Coverage. Follow our guide to make calculating your payment easy. UPDATE 2019: For 2019 forward there is no fee for not having health insurance in most states. In this sense, the Individual Shared Responsibility Provision has been effectively repealed as the federal… Read More

Self Employed Premiums Unaffordable

My husband and I have not been helped but hurt and our details are below. But before I get into our details want to say that middle income people who do not qualify for subsidies, especially those who do not have health coverage via an employer (e.g. self employed or those who work for employers… Read More

How Does ObamaCare Control Costs?

Some say ObamaCare doesn’t do enough to control health care cost. Let’s look at how ObamaCare controls healthcare spending with cost controlling provisions. TIP: To find out what coverage under the Affordable Care Act will cost you, make sure to check out the healthcare.gov marketplace and find your cost after assistance is applied. Taxpayers are benefitting as… Read More

60 Minutes ObamaCare

Get the Facts on the 60 minutes report on ObamaCare “Dissecting ObamaCare” featuring Steven Brill author of “America’s Bitter Pill.” We fact-check the video. Watch the full of the 60 Minutes ObamaCare video. First fact-check, it’s only 13:19 minutes long, not 60:00. CBS intended each of its segments to run for approximately 15 minutes and… Read More

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