We examine the GOP’s “fix” for preexisting conditions and the mandate, and offer alternative solutions that pair with Price and Ryan’s ACA replacement plans.
Health Saving Accounts and ObamaCare for 2017 We cover everything you need to know about Health Savings Accounts (HSAs) for 2017, including how HSAs work with ObamaCare plans. What Are Health Savings Accounts? Health savings accounts are tax-advantaged medical savings accounts that you can draw money from for certain medical expenses. They work a bit… Read More
Understanding ObamaCare’s 2017 Open Enrollment Period Open Enrollment 2017 started November 1, 2016 and ended January 31, 2017. Open enrollment is the only time you can enroll in a health plan on the individual market without qualifying for special enrollment. That means if you wanted to get cost assistance and avoid the monthly fee for 2017,… Read More
HillaryCare Explained – The History of Hillary Clinton’s Healthcare Reform Efforts HillaryCare describes healthcare reform efforts by Hillary Clinton. This includes her healthcare reform efforts in 1993 that paved the way for CHIP and the ACA, and all efforts since. If Hillary gets elected HillaryCare will describe healthcare reform under her Presidency. Below we discus: Hillary’s… Read More
ObamaCare News Archives Below you will find our archive of news articles on the Affordable Care Act from 2012 – 2014, see our current ObamaCare news section for recent news related to the ACA. ObamaCare News November 2014 Should I Shop Inside or Outside of the Marketplace? Published November 20th, 2014 by ObamaCare Facts Most of… Read More
Citing losses, but on the back of the Department of Justice (DOJ) attempting to block a merger with Humana, Aetna has stated it will pull out of 11 ObamaCare exchanges.
Using a Sec. 1332. Waiver for State innovation states can create their own ACA alternative, including a state-based single payer system.
Despite improvements to the ACA (ObamaCare) being a smart focus for Democrats, Single Payer must remain on the table and in the Democratic party platform.
When it comes to Advanced Premium Tax Credits, it is always tempting to take the maximum amount you qualify for. However, repayment limits can mean owing back credits.
We explain some ideas for how to fix ObamaCare (the Affordable Care Act). The goal is to seek universal coverage and fix the ACA’s sticking points.
What is TrumpCare? “TrumpCare” describes health care reform under Donald Trump. We explain TrumpCare and how it is different than ObamaCare. An Introduction to the Many HealthCare Bills, Regulations, and Ideas We Call “TrumpCare.” Below we explain different aspects of TrumpCare. When people say “TrumpCare” they are essentially referring to healthcare changes made, attempted to be… Read More
Setting up auto-pay on your health plan is a smart option, but there are a few things to know first.
Bernie Sanders proposed a single payer Medicare for all solution for American health care (BernieCare). What does that mean?
Out-of-pocket costs, the GOP’s rejection of Medicaid, the family glitch, and premium increases. These are ObamaCare’s sticking points.
Under ObamaCare the best plan is generally a Silver plan with an HSA, for low income it’s Medicaid / CHIP, and for Seniors at least Medicare A & B. There is a bit more to it, but if we only had one sentence to convey a blanket answer that would be it. If we get one… Read More
People of all income levels, news sources, insurers, and providers have expressed frustration over rising health premiums and deductibles going into 2016.
For 2016 Millions will get coverage, and cost assistance will help ease the impact of rate hikes, yet millions will be left uncovered due to the Medicaid gap.
College students have a number of health plan options including the Marketplace, Medicaid, school health plans, catastrophic plans, and their parents plan. Below we take a look at student health options under the Affordable Care Act (ObamaCare). FACT: A university health plan counts as Minimum Essential Coverage for ObamaCare if it’s fully insured or self insured. Aside… Read More
How IRA’s and HSAs work with the ACA Before-tax and tax deductible contributions (like to a traditional IRA) lower MAGI and increase subsidies. After-tax contributions lower MAGI on withdrawal (like the Roth IRA). HSA’s are tax free in and tax free out, which make them especially cool. This is generally true for ObamaCare’s tax credits… Read More
A recent survey from KKF.org shows that people like their non-group insurance under ObamaCare. The findings are pretty remarkable showing that Republicans are more likely to dislike their insurance then independents or democrats, more people are benefiting from plan costs under the ACA then not, and the only thing people like less than ACA-compliant plans are plans that aren’t ACA compliant.
HHS issued guidance to clarify the requirement that insurers cover at least one form of each of the 18 FDA approved contraception (birth control) methods.
If you are switching on or off a Marketplace plan, because you lost or gained income, you should be aware cost assistance is based on annual income. A few of our readers have been confused about how ObamaCare’s cost assistance works when getting or losing a job. We break down how cost assistance works with… Read More
Tax credits are based on annual household income, not monthly income. If projected annual income changes you can adjust cost assistance to avoid repayment. Quick Facts on Cost Assistance and Changes to Income There are three important things to understand about cost assistance and changes to income: Marketplace cost assistance is based on projected annual household income,… Read More
An allowed amount is the maximum amount an insurer will pay for a covered health service, the remainder owed by the insured is called “balance billing”. Allowed Amount Versus No Dollar Limits No lifetime or annual dollar limits means there is no limit to what an insurer will spend on all care as a whole,… Read More
We are as sure as the final rule from the IRS in front of us that 9.5% applies to employee-only coverage and not dependent or family coverage.