If you get denied coverage due to preexisting conditions then: your insurer is breaking the law, you have limited coverage, or a grandfathered plan.
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
Being denied Medicaid or CHIP may grant you access to a special enrollment period, an exemption, and/or catastrophic coverage depending upon your situation
When you lose coverage due to retiring, or for any reason other than non-payment, it triggers a Special Enrollment Period where you can enroll in a Marketplace plan.
If you missed the health insurance February 15 deadline, health plan options include Special Enrollment, Medicaid, CHIP, and Short Term Health Insurance.
If you are running out of time to enroll in a Marketplace plan for 2015, follow the steps below to ensure you get covered.
Barring any official extensions, today February 15th, 2015 is the last day to enroll in a health plan for 2015.
There may be an extra enrollment period during tax season due to an ObamaCare enrollment extension that would let people sign-up and avoid the fee.
You do qualify for the exemption for being out of the country for more than 330 days. When you move back it will trigger a 60 Special Enrollment Period
Under ObamaCare, you are allowed one short coverage gap exemption which covers less than three months in a row without coverage each year. In other words, you are exempt for two full months but need to have coverage for at least one day of the third month. Beyond the short coverage gap exemption, there are other… Read More
It’s legal to cancel coverage, but they have to give you 30 days notice. Considering there has been no first payment, this may technically count.
If you are on a plan, and getting medical attention for an injury, do not switch plans mid-year without consulting your insurer. Cost sharing is based on policy periods. If you switch to a different provider and a different state mid-treatment your insurer could start pulling out loopholes to avoid payment.
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 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
Generally speaking a dependent can remain on your plan until they become pregnant, at that time they will qualify for a Special Enrollment Period. However, in this situation it may not make sense to claim her as a dependent.
I am a 53 yr-old teacher, unemployed, with MANY declining health needs. I’ve been searching and feel that despite my experience, I will be passed over for hiring due to health needs (various frequent appointments and quite a list of required prescriptions I take). I’m thinking that the fastest way to get back to some… Read More
I have a question about insurance discrimination. The company I work for has well over 500 employees and is a union company. According to our contract, which we signed early in 2014 and I wasn’t aware of until recently, it states that: before our open enrollment period in October 2015 for the year 2016, we… Read More
According to HHS 9.5 million are enrolled in ObamaCare’s State and Federal Marketplaces as of January 16th, 2015. This includes 7.16 million on HealthCare.Gov and 2.4 million in state-based exchanges. Goals for enrollment were 9.1 million, so it is encouraging to see the goal surpassed with two weeks to go until the end of open enrollment on… Read More
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
My son recently purchased health care coverage, but now finds that his doctor does not take his plan. Can he switch to a different plan before Feb 15th or does he have to wait until next year open enrollment?
Watch President Obama’s the State of the Union address which aired 9pm Eastern January 20th, 2015. You can watch the SOTU streaming here. Watch the State of the Union. State of the Union Facts Below we will discuss a few facts from the State of the Union Address, do some fact-checking, and explain the claims made. 10 million… Read More
My sister came to U.S on September 2014. I am supporting her fully till she finds a job. I am claiming her on my 2014 tax return. However, I have been asked to pay for obamacare fee (penalty) although she was not here for the open enrollment of obamacare. Does she qualify for an exemption?… Read More
ObamaCare decreases the deficit and debt with cost controlling provisions and taxes, but subsidies, protections, and healthcare spending may result in more debt over the long term if no further changes are made. UPDATE 2019: This page was created in 2015, numbers have been revised since this was written. So the logic remains the same, but the specific numbers need to… Read More
Alicia, 39, and Rusk, 37, have been married for 14 years, and have two sons, 11 and 7. Alicia, a former teacher, and Rusk, who owns an auto repair shop, did not have health insurance until the Health Insurance Marketplace opened last year. The 2015 premium for Rusk and Alicia is $373 a month, much… Read More
Get health insurance quotes and find out if you qualify for cost assistance from CMS approved brokers and on HealthCare.Gov. Below we will discuss the best ways to get health insurance quotes (HINT: Start at ObamaCare’s Health Insurance Marketplace sometimes called “the Marketplace” AKA HealthCare.Gov). We’ll also give you lots of helpful advice to help ensure you get… Read More