People of all income levels, news sources, insurers, and providers have expressed frustration over rising health premiums and deductibles going into 2016.
Hi I would like to point out a HUGE problem with the health care as it stands. My question is “what can I do about getting it changed?” I’m sure your answer will be “absolutely nothing…good luck.” but I’ll ask anyway. My husband and I are low income. when he was working for an employer… Read More
A woman put a public facebook post up about a BCBS plan in Alabama. Is this an ObamaCare problem or an Alabama problem?
Insurers are planning rate hikes for 2016 under ObamaCare. ObamaCare being both the reason we know about it, and part of the reason it’s happening.
Grandfathered employer group plans established before March 23, 2010 can discriminate prices based on gender and don’t have to follow the ACA’s rules.
I am 50 years old and have never had health insurance, I always pay out of pocket in FULL for every doctors visit, every ER visit and have always had a reserve of $25,000 dollars saved up through small monthly contributions to draw on in case of emergencies. This is how I figured all American’s… Read More
The Affordable Care Act (ObamaCare) was signed into law 5 years ago on March 23rd, 2010. We look at the successes, sticking points, and politics of the law.
The CBO announced ObamaCare’s new cost of $1,207 trillion net in it’s March 2015 report which includes Updated Estimates of the Insurance Coverage Provisions of the Affordable Care Act.
Orrin Hatch’s replacement plan for ObamaCare, dubbed “the freedom option” in a WSJ op-ed, is an alternative to amending the law to clarify that Healthcare.Gov can issue subsidies, and is essentially a rehash of the old “repeal ObamaCare” plan.
The wrong 1095-A forms went out to about 800,000. This form is used to adjust cost assistance on taxes. The wrong forms had correct subsidy amounts, but wrong calculations.
The Marketplace allows families to get lower costs making early retirement easier. To find out if you qualify for cost assistance you’ll look at your household Modified Adjusted Gross Income of you and your dependents. You’ll then compare that amount to the Federal Poverty Level.
Smaller firms get tax credits that mean better employee benefits at better prices. However, some larger firms who had great plans going into 2014 saw rate hikes.
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
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
ObamaCare’s Silver Plan is a type of Metal Plan on the Health Insurance Marketplace. Silver Plans qualify for both Tax Credits and Cost-Sharing subsidies. Other Metal Plans include Bronze, Gold, and Platinum. Also, a Catastrophic Plan is available to young adults and to some people with hardship exemptions. HealthCare.Gov, or your state’s Marketplace in states that don’t… Read More
Understanding the difference between HMO Health Maintenance Organization and PPO Preferred Provider Organization health plan types helps you compare plans to get the right coverage for you and your family. You can learn about the less common EPO Exclusive Provider Organization plans here. Under ObamaCare most plans are either HMOs or PPOs. Knowing which one is… Read More
Here is a quick list of tips for getting the best health plan. No matter how you shop, this list will ensure you don’t over or under-buy health insurance. NOTE: Finding the best health plan for you and your family depends on your family size, income, needs, region, and more. The best plan for one… Read More
The Save American Workers Act changes the definition of full-time workers so fewer employers have to comply with ObamaCare’s employer mandate. Let’s take a look at the legislation, why it was passed in the House, why it won’t pass the Presidents desk, what effects it has, data on part-time hours and job loss, and some alternatives… Read More
December 15th is the last day to get a health plan that starts by January 1st. The 15th is also the last day to verify your plan and information for the 1st. Visit HealthCare.Gov or find your state’s Health Insurance Marketplace and enroll in a plan by December 15th. This general rule applies for private… Read More
If you are under 30 or obtained a “hardship exemption” you qualify for a high deductible, low premium, catastrophic plan. Catastrophic health plans are the cheapest plan you can get that counts as minimum essential coverage. Catastrophic plans can be good for those who want cheap, barebones care. Catastrophic plans tend to trade a low… Read More
Shopping for Health Insurance Outside of the Health Insurance Marketplace If you make too much for cost assistance or want to see your private health plan options, you may want to shop outside of the Health Insurance Marketplace. There are three main ways to get covered in the individual and family market under the Affordable… Read More
What You Need to Know About ObamaCare (the Affordable Care Act) in 2015 There aren’t a lot of changes for ObamaCare in 2015. Let’s review ObamaCare’s 2015 changes and what you need to know to stay covered and save money. We will review the enrollment process for 2015, what steps you should take to ensure… Read More
Get the Facts on ACA Sign-Ups (Updated for 2022) The information on ObamaCare sign-ups and enrollments is here. Let’s look at the ObamaCare enrollment numbers and figure out who signed up, who enrolled, who paid, who lost coverage, who got subsidies, what type of coverage people got, and where they got it. A Summary of… Read More
Get the Facts on Who Signed Up For Health Insurance Outside of the Health Insurance Marketplace Between 15-25 million enrolled outside of the marketplace in 2014. Let’s take a look at enrollment numbers outside of ObamaCare’s marketplace. In 2013 over 15 million people enrolled in private health plans. In 2014 about 4.7 million were estimated… Read More
How Medicare Works Medicare, or Original Medicare, is a federal program offered to seniors when they reach 65, people with certain disabilities, and those with ESRD. Original Medicare includes Medicare Part A (Hospital Insurance) and Medicare Part B (Medical Insurance). Supplemental Medicare options are also offered to “fill the gaps” in Medicare coverage. Supplemental Medicare… Read More