Options For Shopping for Health Coverage

Three Options For Shopping For Health Insurance under the Affordable Care Act To shop for coverage you can go direct to HealthCare.Gov for Marketplace plans, to a Marketplace approved broker for Marketplace and short term plans, or to a non-approved broker for short term plans only. In other words, there are a couple of different…

How Do I Become Eligible for COBRA?

In general, if you have been enrolled in health insurance for at least one day and then lose coverage for due to losing full-time status or due to termination, you qualify for COBRA. This is true even if you elect to go from full-time to part-time or are fired.

What is Medicare-For-All?

Medicare for all describes a general concept of a single payer healthcare system. Right now the US has a multi-payer healthcare system, that means people pay different insurance companies but have a choice in healthcare providers. With single payer, there is one insurer, but you keep the choice in providers. Also, as the “for-all” part implies, every citizen would have access to Medicare-for-all.

I Cancelled the Wrong Health Plan, What Can I Do?

If you cancel a plan by mistake, the best thing to do is to quickly appeal. In many cases appealing a health insurance decision or marketplace decision will lead to a resolution in favor of the customer.

Should I Get an HMO, PPO, EPO, or POS?

What is the Difference Between a HMO, PPO, EPO, and POS? Which One Should I get HMO, PPO, EPO, and POS are all different types of health insurance provider networks offered by health plans. Of those HMO and PPO are the two most common. Below we help you understand HMOs, PPOs, EPOs, and POSs, each of…

How Can I Get Free Healthcare?

How Can I Get Free or Low Cost Healthcare and/or Health Insurance? Free or low-cost healthcare options include marketplace insurance with cost assistance, V.A., Medicaid/CHIP, and Medicare. Sometimes people qualify for medical care because of membership in other groups or they can use clinics. TIP: If you don’t find what you are looking for, see…

Incarceration and Health Insurance

Do Incarcerated Individuals Get Healthcare? Incarcerated Individuals and Marketplace Health Coverage, Private Health Coverage, Medicaid, Medicare, and SSI We explore the rights of incarcerated individuals to Medicaid, Medicare, and SSI, which provide continued care for incarcerated people after confinement. All incarcerated people have a right to medical care and attention. However, incarcerated individuals don’t have the…

What is a Major Medical Health Insurance Plan?

A major medical health insurance plan generally describes any private individual or family plan sold after 2014 that follows the ACA’s new guidelines. This means it is a plan that counts as minimum essential coverage, offers the ten essential health benefits, follows guidelines for deductible and out-of-pocket maximum limits, and covers “major expenses” associated with serious illness…

Is Obamacare Mandatory for Everyone?

Does Everyone Have to Get Coverage Under the Affordable Care Act? Under the Affordable Care Act (ObamaCare) anyone making above the tax filing threshold must obtain and maintain health insurance or an exemption throughout each year. While this is the gist, there are some important specifics that apply depending on family size, income, state, and…

Unaffordable Coverage at X Hundred a Month

The cheapest plan is typically $200 – $400, cost assistance caps the cost between 2% – 9.5% of MAGI. It’s rare that someone would pay over $600 for individual coverage, let alone $800.

What Student Plans Count for ObamaCare?

A student health plan counts as Minimum Essential Coverage for ObamaCare for ObamaCare if it’s fully insured or self insured, paying for university medical or counseling services doesn’t necessarily count as a student plan.

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