Provider Networks and Drug Formularies

Why do I Need to Know about Provider Networks and Drugs Formularies? We explore drug formularies and preferred providers. What are they and why do you need to know about them when choosing a  health insurance plan. Every insurance plan has a formulary or list of which drugs it will pay for and what it will…

Affordability Exemptions and the Cost of Healthcare

Can I get an Affordability Exemption on 2018 Medical Plans? The Affordability Exemption uses the cost of insurance rather than the cost of healthcare. Companies profit hugely from our healthcare system. People don’t.  Healthcare itself is becoming increasingly unaffordable. Affordability is based on a percentage of household income, either 8.05% 0r 9.56%, and affects both employer…

What To Do If You Can’t Afford Health Insurance

The Issue We all need healthcare and health insurance, and the cost of medical care has exploded. We need to find a good way to manage the cost of insurance and care. The difficulty is compounded because wages and income have been stagnant for most of us. Even if you have a full-time job, you…

ObamaCare: Everything You Need to Know About the ACA

What is ObamaCare? Understanding The Affordable Care Act (ACA) “ObamaCare” is a nickname for the healthcare law known as the Patient Protection and Affordable Care Act of 2010 (PPACA). The law is often called the Affordable Care Act (ACA) for short. Many people are aware of the basics of the Affordable Care Act (ACA). They are aware…

When is 2018 Medicare Open Enrollment?

What do you need to Know to Enroll in Medicare for 2018? We cover everything you need to know about open enrollment in Medicare 2018. Get the facts on 2018 Medicare open enrollment. When Is Medicare Open Enrollment For 2018? Medicare open enrollment lasts from October 15 to December 7 each year. Your coverage will start…

Short-Term and Major Medical Health Insurance

Short Term Coverage Vs. Major Medical Coverage Short term and major medical insurance plans both provide coverage in case of a medical catastrophe, but they have significant differences. Short-term plans are typically used to fill in the gaps between major medical coverage. They act as a temporary coverage and often offer lower premiums for less…

ObamaCare Facts Archive

The facts below are our original “ObamaCare facts” page. These ObamaCare facts will give you a sense of how things used to be and what has changed. See our up-to-date “ObamaCare” facts page here. It is easy to forget that time when women paid more than men for health insurance, or when you could be denied…

Get Covered During Open Enrollment

Everything You Need to Know About Open Enrollment Get covered during open enrollment under the Affordable Care Act. Open enrollment starts Nov 1st and ends Dec 15th in most states. Unless you have access to coverage through work, Medicare, or another source, open enrollment is the only time of year you and your family can…

Affordability Exemptions for 2018

Affordability Exemptions and the Family Affordability Glitch for 2018 Plans Below we present the affordability exemptions for 2018 for employer and non-employer coverage and explain the family affordability glitch. Affordability exemptions are one of the more complex aspects of the ACA, so make sure you understand all the specifics below before claiming one on form 8965 or from HealthCare.Gov. TIP:…

2018 Premium Tax Credits

2018 Premium Tax Credits Under the Affordable Care Act (ObamaCare) We explain how Premium Tax Credits work on 2018 health plans under the Affordable Care Act (ObamaCare). Tax credits can be taken in advance, or at tax time. In other words, ObamaCare’s Premium Tax Credits (PTC) can be paid to your insurer in advance as…

Get Ready for 2018 Open Enrollment

ObamaCare’s open enrollment period for 2018 starts on November 1st, 2017 and ends on December 15th, 2017.  This is what you need to know to enroll for 2018. Some states have longer enrollment periods, so you will have to check your state’s rules. • Open enrollment is the only time you can get cost assistance, enroll…

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