I am a 53 yr-old teacher, unemployed, with MANY declining health needs. I’ve been searching and feel that despite my experience, I will be passed over for hiring due to health needs (various frequent appointments and quite a list of required prescriptions I take). I’m thinking that the fastest way to get back to some… Read More
I have a question about insurance discrimination. The company I work for has well over 500 employees and is a union company. According to our contract, which we signed early in 2014 and I wasn’t aware of until recently, it states that: before our open enrollment period in October 2015 for the year 2016, we… Read More
According to HHS 9.5 million are enrolled in ObamaCare’s State and Federal Marketplaces as of January 16th, 2015. This includes 7.16 million on HealthCare.Gov and 2.4 million in state-based exchanges. Goals for enrollment were 9.1 million, so it is encouraging to see the goal surpassed with two weeks to go until the end of open enrollment on… Read More
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
My son recently purchased health care coverage, but now finds that his doctor does not take his plan. Can he switch to a different plan before Feb 15th or does he have to wait until next year open enrollment?
Watch President Obama’s the State of the Union address which aired 9pm Eastern January 20th, 2015. You can watch the SOTU streaming here. Watch the State of the Union. State of the Union Facts Below we will discuss a few facts from the State of the Union Address, do some fact-checking, and explain the claims made. 10 million… Read More
My sister came to U.S on September 2014. I am supporting her fully till she finds a job. I am claiming her on my 2014 tax return. However, I have been asked to pay for obamacare fee (penalty) although she was not here for the open enrollment of obamacare. Does she qualify for an exemption?… Read More
ObamaCare decreases the deficit and debt with cost controlling provisions and taxes, but subsidies, protections, and healthcare spending may result in more debt over the long term if no further changes are made. UPDATE 2019: This page was created in 2015, numbers have been revised since this was written. So the logic remains the same, but the specific numbers need to… Read More
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
Get health insurance quotes and find out if you qualify for cost assistance from CMS approved brokers and on HealthCare.Gov. Below we will discuss the best ways to get health insurance quotes (HINT: Start at ObamaCare’s Health Insurance Marketplace sometimes called “the Marketplace” AKA HealthCare.Gov). We’ll also give you lots of helpful advice to help ensure you get… 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
Having Health Insurance means you are covered in an emergency. Not getting coverage could result in big fees for those who wait until taxes are due. Obtaining and maintaining health insurance isn’t just about avoiding a fee, it’s about taking responsibility for your health, knowing you have coverage when you need it, and avoiding the devastating… Read More
Let’s take a look at factors that affect health insurance costs for premiums and cost sharing under ObamaCare, including Marketplace subsidies and Medicaid. ObamaCare helps ensure fair health insurance premiums (Sec. 2701), helps curb premium growth, and provides Tax Credits to lower premium costs. The ACA also includes measures to reduce out-of-pocket spending and curb national… Read More
With ObamaCare deadlines for open enrollment approaching, it’s important to think about health insurance policy periods. Here are some key facts to help you understand why getting covered during open enrollment isn’t just about avoiding the fee, it’s about value. Your health insurance deductible (the amount you have to pay for covered in-network services before coinsurance kicks in)… Read More
What is a Health Insurance Premium? Your health insurance premium is the amount paid to an insurer, typically per month, for a health plan. Tax Credits are available to lower monthly premiums through the Health Insurance Marketplace. If you have coverage through work, your employer typically pays part of your premium. Let’s look a little more… 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
There are several reasons you may have to file taxes under ObamaCare (the Affordable Care Act). Learn how to file your ObamaCare taxes in 2019 and beyond. This section includes tips on: how to make a Shared Responsibility Payment for not having coverage, how to report health coverage known as Minimum Essential Coverage, how to… Read More
Learn how to compare health plans to get the best deals on health insurance and health care. Compare your health needs with your plans costs and coverage, to find an affordable plan with benefits that are designed to cover you. No matter how you shop, and boy are there a lot of different options under… Read More
If you have a marketplace plan from last year, or just want coverage that will start by Jan 1, 2015, you’ll need to go to HealthCare.Gov by Dec 15, 2014. It’s open enrollment and that means the Health Insurance Marketplace is open for business. Here are your open enrollment options. • If you have a plan… Read More
President Obama made his third appearance on the Colbert Report to present a Colbert style monologue on ObamaCare. Watch Obama on Colbert below and let us know what you think in comments section. While the above video is fairly funny to watch, it makes a few really important points. They are: The website has been running… Read More
Some ObamaCare plans automatically renew Jan 1st, others don’t. Ensure your plan and cost assistance before Dec 15, to avoid problems.
A November 2014 Kaiser Poll shows the majority of uninsured are unaware of open enrollment date, despite saying health insurance was important and needed. Let’s take a look at what the Kaiser Health Tracking Poll shows about the uninsured going into open enrollment 2015. Kaiser Health Tracking Poll 2014 Summary Despite the fact that the… 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
By the end of November everyone enrolled in a Health Insurance Marketplace plan should get two notices about changing and renewing marketplace plans during open enrollment 2015. One notice will be from your insurer and the other will be from your state’s marketplace. These notifications will help you to understand what is new for open enrollment 2015… 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