Being Denied Medicaid or CHIP
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Being denied Medicaid or CHIP may grant you access to a special enrollment period, an exemption, and/or catastrophic coverage depending upon your situation
2015 Enrollment Extended For those Who Created Marketplace Accounts
If you created a Marketplace account for 2015, in most cases, you have until February 22nd to complete your enrollment process for ObamaCare.
Still Trying to Get Coverage for 2015? Here are Your Options.
If you missed the health insurance February 15 deadline, health plan options include Special Enrollment, Medicaid, CHIP, and Short Term Health Insurance.
What to Do if You Are Running Out of Time to Enroll
If you are running out of time to enroll in a Marketplace plan for 2015, follow the steps below to ensure you get covered.
HealthCare.Gov Enrollment Numbers January 31st to February 6th
The new Federal Marketplace enrollment numbers are in from HHS for January 31st to February 6th. Read the whole Open Enrollment Week 12: January 31, 2015 – February 6, 2015 report from HHS (posted Feb 11, 2015), or see the highlights below. Week 12 Enrollment Highlights Since November 15th 7.75 million are enrolled in HealthCare.Gov (the Federal… Read More
What if my Employer Plan Doesn’t Cover Medications or Doctors I Use?
You can get whatever coverage you want, but can’t get cost assistance if your employer offers a plan. No matter what you choose you’ll need to shop during open enrollment.
When Does Open Enrollment End?
Open enrollment ends February 15th. That means February 15th is your last chance to get cost assistance and coverage each year, unless you qualify for a special enrollment period.
Unaffordable Grandfathered Family Plan Through Employer, What Options do we Have?
If your average cost for an employer-sponsored plan is more than 8% MAGI then you are exempt from the fee and can qualify for catastrophic coverage through the Marketplace.
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
Paperwork and Rising Costs Story
I thought last year was bad. But, after telling me how much better my 2014 plan was compared to my personal plan in 2013 (I was already enrolled in my own personal plan, which the government canceled), the State of Washington canceled my new plan. So, I had to shop again. Perhaps the total premium didn’t… Read More
Indiana Expands Medicaid Under Healthy Indiana Plan (or “HIP 2.0”)
Indiana has expanded Medicaid to 350,000 people under the Healthy Indiana Plan (or “HIP 2.0”) proving it isn’t too late for state’s to expand Medicaid to their poorest. NOTE: HIP Is a market driven expansion of Medicaid under ObamaCare that doesn’t replace the basic program, but expands it with a unique market-based Medicaid solution for those who… Read More
Low Cost Health Insurance
Get the facts on low cost health insurance, how Medicaid and Marketplace subsidies can lower your costs, and how to get affordable coverage. Getting low cost health insurance is a little more complicated than just finding the right broker, picking the lowest premium plan, or general cost sharing amounts. It’s about understanding what cost assistance you… 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
Open Enrollment Week 9: January 10, 2015 – January 16, 2015
The new HHS report is in, 7.1 million covered by January 16th and we finally get to see a state-by-state breakdown too. Remember this doesn’t include state marketplaces who aren’t using HeatlhCare.Gov. Below is the post on the HHS.Gov blog for open enrollment week 9. Since Open Enrollment began on November 15, more than 7.1… Read More
Employer Shared Responsibility Payment
Starting in 2015, employers who don’t offer qualifying coverage, will make a Employer Shared Responsibility Payment. Get simplified instructions on the fee below. This page covers employer responsibility under the ACA and the payment. For more details see Employer Mandate. What is Shared Responsibility? Shared Responsibility is part of the ACA’s Title I. Subtitle F—Shared Responsibility for… Read More
Employer Tax Credit Form 8941 and Instructions
Employers can get a Tax Credit for up to 50% of their contribution to employee premiums by filing Form 8941, Credit for Small Employer Health Insurance Premiums. Get detailed HTML based instructions on Form 8941 from the IRS, simplified instructions ObamaCare’s employer tax credit form can be found below. What is Form 8941, Credit for Small Employer Health Insurance Premiums?… Read More
No Insurance, Will ACA Help with Hospital Bill?
I have a question, i was shopping for health insurance and then was rushed to hospital for emergency appendix surgery I have my bill now and struggling to pay. Does Obama care help with this or what are my options. I was born in England and have a permeant resident card. Thank you so much… Read More
Form 1095-A, 1095-B, 1095-C, and Instructions
The 1095 forms are filed by the marketplace (1095-A), other insurers (1095-B), or by your employer (1095-C). We have simple instructions for the 1095 forms. Keep in mind the 1095 forms are filed by whoever provided you coverage, so individuals won’t have to fill them out themselves. TIP: This page has been updated for 2022 (although on-page… Read More
What are Health Insurance Networks?
How Health Insurance Networks Work With Health Insurance The general types of networks are HMOs and PPOs. A given provider will then either be “in-network” or “out-of-network” for a given plan. You and your insurer save money by using “in-network providers.” You’ll almost always have different cost-sharing when you use a provider “out-of-network,” so you’ll… 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
Marketplace #GetCovered Story
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
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
Platinum Plan
ObamaCare’s Platinum Plan is a type of Metal Plan on the Health Insurance Marketplace. Platinum Plans qualify for Tax Credits and have the highest premiums. Other Metal Plans include Bronze, Silver, and Gold. Also, a Catastrophic Plan is available to young adults and to some people with hardship exemptions. Platinum plans have the highest premiums and the lowest cost-sharing. They only make… Read More
Gold Plan
ObamaCare’s Gold Plan is a type of Metal Plan on the Health Insurance Marketplace. Gold Plans qualify for Tax Credits, have high premiums, and generous cost-sharing. Other Metal Plans include Bronze, Silver, and Platinum. Also, a Catastrophic Plan is available to young adults and to some people with hardship exemptions. Gold plans mean higher premiums, less Tax Credits, but much… Read More
Bronze Plan
ObamaCare’s Bronze Plan is a type of Metal Plan on the Health Insurance Marketplace. Bronze Plans qualify for Tax Credits and have low premiums. Other Metal Plans include Silver, Gold, and Platinum. Also a Catastrophic Plan is available to young adults and to some people with hardship exemptions. All plans offer basic benefits and minimum cost-sharing, Bronze Plans tend… Read More