House Republicans are considering high-risk pools (sick pools) as part of their ObamaCare replacement revival, we explain what “high-risk pools” mean.
Nearly everyone’s health coverage is highly subsidized (via tax breaks, if not credits). The group that costs tax payers the most money in healthcare is employees.
My husband recently lost his job due to eliminating his position therefore we lost our health insurance. Cobra was offered but extremely expensive for two disabled people (I’m permanently disabled due to incurable diseases and my husband came down with an incurable disease).
Cómo Registrarse para tener Seguro Médico bajo la Ley de Cuidados de la Salud Asequibles (Affordable Care Act) Para registrarse a ObamaCare encuentre el mercado de seguros de su estado, regístrese e inscríbase. Realice su registro para ObamaCare durante el registro abierto. Las instrucciones para registrarse, los detalles sobre cuotas, excepciones, periodos de registro e inscripción, e… Read More
Thank you so much to our wonderful President and the all who have contributed to this act. It absolutely has saved the lives of me and my unborn son.
During a 90 day or less waiting period for employer health insurance you should keep your current insurance, get COBRA, or get a Marketplace plan.
If someone travels often inside and outside the US, but lives in the US they still need health insurance. We suggest a multi-state plan, that will cover the person no matter which state they travel in. BCBS offers multi-state plans for example. The person should also get some sort of travelers insurance for when they travel outside of the US (although that part isn’t required by law).
When you lose employer coverage you can either enroll in Health Insurance Marketplace coverage or get COBRA.
If you are losing employer coverage you can switch to Marketplace coverage by enrolling in the Marketplace no less than 15 days before employer coverage ends.
Have had lump in right breast since 2012. Had real insurance then and a mammogram and ultrasound and was told some cells didn’t look right, come back in 6 months. In 6 mos my Cobra insurance had ended. I was uninsured for the next 2 1/2 years. Scored Obama Care Ins. In March 2015. Was excited… Read More
Health insurance premiums aren’t regulated, they are just subsidized based on income, but cost sharing and benefits are regulated by the ACA.
Marketplace subsidies are based on household income, even if one spouse qualifies for non-Marketplace coverage like Medicare.
Our experience is that while Obamacare may be far from perfect, it does provide coverage for our 29 year old son who otherwise would be excluded from health insurance because of a preexisting condition.
If you know you are going to lose coverage for any other reason then non-payment, you can simply wait until you lose coverage to enroll.
Your cost assistance amount as 1099-er is based on projected income for the upcoming year. Based on last years projections you qualify. Consider only taking part of the credit up-front if you are unsure as to what your income will be.
If you are laid off, or simply lose employer based coverage, you have a limited time to enroll in a Marketplace plan or COBRA if it’s offered. Learn more about Special Enrollment due to losing employer-sponsored coverage.
I signed up for Obamacare after my unemployment ran out and my health insurance (cobra) was nearing its end. I then got a job and got health insurance. Because I had Signed up for Obama care earlier will I have to worry about a penalty? My housemate also signed up for Obama care and has… Read More
My husband passed away on 12/26/2014 and has been on disability and social security since 2006, he had insurance through his work, but now they want to take me off and make me go through cobra which I can’t afford on his pension of 749.00 a month, how can I get on Obama care and… Read More
So I left my job with health insurance 11/7/14. I started another job 11/10/14 that did not offer health insurance. Found out 11/23/14 my previous employer removed me from the health insurance. Went to apply for health insurance for Jan 2015. All sites stated if I did not currently carry health ins to go healthcare.gov…. Read More
My husband worked in management at a prestigious law firm in NY owned by two attorney partners. He built the company with them from a small office of a few people to hundreds! He never took a sick day for anything and we even attended each other’s familes milestone events. Birthdays, our children’s communions, bar… Read More
My husband lost his job and healthcare coverage in May 2014. We did not get a COBRA offer from his employer, a U.K. based company. We were unaware of the three month deadline to sign up for new coverage. From June through December we were without healthcare coverage. We are healthy, active family of four… Read More
I am planning to retire at 64 in the beginning of July 2015 I need insurance till I can get Medicare I am offered cobra but is high priced when can I apply?
Medicare Open Enrollment Medicare open enrollment is the time when you can enroll in Medicare. Medicare Part A, B, C, D, and Medigap have different enrollment period dates. Below we will review all the Medicare open enrollment dates and attempt to provide every detail and answer in the simplest way possible. When in doubt go to Medicare.gov or… Read More
Everything You Need To Know About Short Term Health Insurance Under the Affordable Care Act Short term health insurance is meant to provide temporary health coverage. Short term plans don’t have to offer all of ObamaCare’s benefits and protections. Pros and Cons of Short Term Health Insurance The pros and cons of short term health… Read More
The Types of Health Insurance Plans Sold On and Off of ObamaCare’s Marketplace There are four types of health insurance plans available through ObamaCare’s Marketplace. They are Bronze, Silver, Gold, and Platinum health insurance plans. These Qualified Health Plans represent four tiers of coverage and are sometimes referred to as “metal plans” due to their… Read More