A Fix for the ACA (ObamaCare)
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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.
TrumpCare Explained
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
How to Enroll in a Plan at the Last Minute
Here is a quick guide for enrolling in Healthcare.Gov coverage at the last moment.
Bernie Sanders Single Payer Overview
Bernie Sanders proposed a single payer Medicare for all solution for American health care (BernieCare). What does that mean?
What is the Best Health Coverage to Get For 2016?
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
High Premiums and High Deductibles Going into 2016
People of all income levels, news sources, insurers, and providers have expressed frustration over rising health premiums and deductibles going into 2016.
2 Person Business Can’t Get Group Health Plan Under ACA
They just redefined all these 2-person businesses so they could force us to go onto the individual health insurance market to fund all the subsidies.
Regístrese a ObamaCare: Plazo para el registro a ObamaCare
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
Subsidios de ObamaCare
Subsidios de ObamaCare en el Mercado de Seguros Médicos de su Estado Los subsidios de ObamaCare pueden ahorrarle dinero en sus primas y pagos adicionales. Los subsidios de ObamaCare solo están disponibles a través del Mercado de seguros, veamos que son los subsidios, cómo funcionan y cómo los puede aplicar para lograr un seguro médico… Read More
Is Gender Based Pricing Legal Under the ACA?
Gender based pricing rules apply to new plans in the individual and small employer markets. They do not apply to grandfathered plans, large employers, or self insured businesses.
ObamaCare Enrollment Numbers As of September 2015
As of September 2015 an estimated 17.6 million are enrolled in ObamaCare including 15.3 million in the Marketplace and Medicaid and 2.3 million young adults.
9.9 Million Still Enrolled and Paid Says September 2015 Report
According to CMS 9.9 million are enrolled and paid for Marketplace coverage. This is on track with the HHS estimate of 9.1 million for the end of 2015 and the CBO’s previous estimate of an average of 12 million for the year.
Scott Walker’s Plan to Repeal & Replace ObamaCare
We explain Scott Walker’s plan to repeal and replace ObamaCare. We compare it to the ACA and examine what it gets right and wrong.
950,000 Enrolled In 2015 Special Enrollment
According to CMS nearly 950,000 Americans selected a plan through the HealthCare.gov via Special Enrollment between February 23 and June 30, 2015. What Is Special Enrollment? A Special Enrollment Period (SEP) is a time outside of open enrollment where people can get a Marketplace plan that is eligible for cost assistance and protects them from the fee. There are a number… Read More
Uninsured Rate Below 10% Under ObamaCare
A new 2015 CDC study shows the uninsured rate below 10% at 9.2% for the first 3 months of 2015.
Section 9010 a Tax On Large Insurers
Section 9010 of the Affordable Care Act includes a tax on America’s largest insurers, the one’s who profit the most off of ObamaCare.
Health Plan Options for College Students
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 Before-Tax and After-Tax Contributions Affect Subsides
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
How to Cancel an ObamaCare Plan?
On this page we walk you through steps to canceling an ObamaCare plan (a plan purchased on the Health Insurance Marketplace) and canceling Medicaid and CHIP. We also go over some important advice to consider before you cancel. Read the advice below or simply go to HealthCare.Gov to begin the cancellation process. You can cancel by… Read More
Unmarried Domestic Partners Health Coverage?
Unmarried domestic partners may be able to share health coverage (domestic partner benefits) depending upon the state, employer, and filing status.
Obamacare Rate Hikes 2016
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.
May 2015 Studies on Enrollment Under ACA
A 2015 RAND corporation study shows gross enrollment numbers under the ACA of 22.8 million, while Medicaid sees 12 million according to CMS.
Women Paying More Than Men on Group Plan?
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.
Are Gender Ratings Illegal Under the ACA?
Gender ratings (charging women more than men or vice versa for health coverage) are illegal under the ACA, but some plans are grandfathered in and can charge more based on gender and discriminate based on health.
Plan Doesn’t Offer Dental, How Can I Get Dental?
All plans that offer coverage to children must offer pediatric dental, but not adult. If your plan doesn’t offer dental you can get it as a standalone plan during open enrollment.