How to Explain Obamacare to the Average Person Upset With Costs
Explaining ObamaCare to the average person who is upset with costs is really hard, but an honest approach sends the right message.
A Fix for the ACA (ObamaCare)
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.
ObamaCare’s Sticking Points
Out-of-pocket costs, the GOP’s rejection of Medicaid, the family glitch, and premium increases. These are ObamaCare’s sticking points.
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
Rates More Than Doubled For Middle-Class Family – Story
As of January, 2016, our Healthcare provider has notified us that our rates will more than double. They increased by almost 20% from 2013 to 2014. There is no logic in not having every single American citizen pay on some level for care they receive, barring the elderly and disabled.
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.
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
Matt Bevin Wins Kentucky, but 400,000 May Lose Medicaid
Tea Party favorite Matt Bevin (R) is the new Governor of Kentucky and that is bad news for 400,000 Kentuckians who qualify for Medicaid under ObamaCare.
Open Enrollment 2016, Rate Increases, and the Medicaid Gap
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.
Proposed 2016 House GOP Budget Repeals ObamaCare
The new 2016 house GOP budget includes a full repeal of ObamaCare, this mirrors the 2013 budget that shutdown the government cost tax payers billions.
Is ObamaCare a Handout?
ObamaCare is a law, the law contains cost assistance based on income and tax filing status. Whether this is a handout depends upon your definition of handout.
Are Lab Fees Included For Free Under ObamaCare?
Wellness visits and key preventive care are covered with no out-of-pocket costs, but some related services aren’t covered without cost sharing.
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.
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
What Can I Use My HSA For?
You can use your Health Savings Account (HSA) for out-of-pocket medical costs, including dental and vision and dental and vision premiums.
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
2015 Health Affairs Study Shows ObamaCare Birth Control Benefits
A 2015 Health Affairs study shows out-of-pocket spending on the pill decreased nearly 50%, saving women an estimated $1.4 billion per year on birth control
Fee For Reimbursing Employees for Individual Health Plans
Employers who reimburse employees for individual non-group health plans face a $100 a day or $36,500 per year, per employee excise tax. This rule applies to all employers, but the fine itself is only levied on those who have to comply with ObamaCare’s mandate (firms with 50 or more full-time equivalent employees).
Student Position on Employer Mandate – Story
I wanted to share my story since so many people were affected by what just happened to myself and my coworkers yesterday. I was hired in as a full-time non-career employee. This meant that I had the ability to work 40 hours a week while learning about working for the State Of Michigan while I… Read More
Do I Lose Deductible When I Switch Health Plans?
If you switch plans mid-year what you paid toward your deductible or out-of-pocket maximum will reset. This can be avoided with a multi-state plan.
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.
ObamaCare Doesn’t Care – Story
This site is full of facts about ObamaCare. Facts based upon the theory of what ObamaCare would bring. I doubt that this will be published, but I am a REAL ObamaCare user. I received a significant benefit in subsidies by using the marketplace. Due to significant health problems and lack of income I pay a… Read More
Do All Plans Offer Cost Sharing Reduction Subsidies?
All Silver plans offered on the Health Insurance Marketplace offer cost sharing reduction subsidy options. The amount of reduction you qualify for is based on your projected income.