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Bảo hiểm sức khỏe, Health Care, Medicare, Long Term Care and Life Insurance

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Short-Term Coverage Option

The use of open enrollment dates creates a time each year when Obamacare coverage – qualified health plans with minimum essential coverage – are not available in the health insurance marketplaces. If you find yourself without insurance in-between open enrollment periods and do not qualify for the special enrollment period, you may want to look at short-term health insurance.

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Medicare Coverage

If you qualify for Medicare, you cannot sign up for Obamacare or any other non-Medicare coverage. Look at Medicare Supplements (Medigap) during Medicare’s open enrollment periods if original Medicare is not enough.

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Employer-Based Coverage

If you are offered coverage through an employer, you will most likely stick with that option because you will not be eligible for cost assistance on the Marketplace. Family members who have access to employer coverage will not get cost assistance either. You may lose any contribution your employer makes to your premiums.

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Quick Facts About Obamacare’s Health Insurance Marketplace

  • Minimum essential coverage is included in all marketplace coverage, most Major Medical Coverage sold outside the marketplace, Medicare, Medicaid, employer-based coverage, and more. It does not include short-term health insurance.
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2017 Obamacare Open Enrollment

You must enroll in an Obamacare (ACA) health insurance plan in 2017 or face a tax penalty. This year the penalty is: $695 per adult or 2.5% of your income, whichever is higher. Millions of Americans will be shopping for a new health plan this year so don't wait to research your options! You must enroll by December 15th to have coverage that starts on January 1st.

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WHAT IS THE GUARANTEED ISSUE, RENEWABILITY AND MORE?

WHAT IS THE “GUARANTEED ISSUE”?

The guaranteed issue, which is part of The Affordable Care Act, makes it necessary for health plans to let you enroll, regardless of health status, age, gender, or other factors that might predict the use of health services. Except in some states, guaranteed issue doesn’t limit how much you can be charged if you enroll.

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DOES OBAMACARE COVER PREVENTIVE CARE?

DOES OBAMACARE COVER PREVENTIVE CARE?

Yes, all Marketplace plans and many other plans under ObamaCare must cover the following list of preventive services without charging you a copayment or coinsurance. This is true even if you haven’t met your yearly deductible.
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WHAT IF I HAVE A GRANDFATHERED HEALTH INSURANCE PLAN?

If you have a grandfathered plan, you have the option to switch to a Marketplace plan and enjoy the rights and protections that other plans have to offer. Grandfathered plans are group or individual health plans that were created or purchased on or before March 23, 2010.  These plans are exempted from many changes required under the Affordable Care Act.

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Annual Health Insurance and Medicare Enrollment for 2017 Reminder

Health insurance open enrollment period is 11/01/2016 to 01/31/2017 for coverage that begins 01/01/2017.

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Who are Millennials?

According to Nielsen, Millennials are people who were born between the years 1977 and 1995, making them ages 21-38 today, though some sources vary on when the Millennial generation actually began. Millennials currently make up 24% of the U.S. population with 77 million members, surpassing the Baby Boomer population in 2015.

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Obama makes last stand on healthcare

The healthcare issue has dominated the Presidential debate tussles between Hilary Clinton and Donald Trump. However, the man whose shake up to healthcare has caused such controversy has not finished having his say – with President Barack Obama encouraging people to start enrolling on November 1.

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What Are Defined Contribution Health Plans

Defined Contribution Health Plans Overview  

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Recruiting and retaining key employees is important to every company and a company's health benefit program is a key part of the compensation they offer to their employees. Due to the rising costs of traditional employer-sponsored health insurance, Defined Contribution Health Plans are gaining popularity in the U.S.

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FAQ - How Much Does Individual Health Insurance Cost?

A common misconception about individual health insurance is that it costs more than employer-based (“group”) health insurance. When in fact, on average, individual health insurance costs up to 60 percent less than comparable coverage on the group market. How much does individual health insurance cost? Let’s take a look.

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2017 Obamacare Premium Spikes Expected

Insurers across the country are requesting larger individual health insuranceGrowth_Puzzlepremium increases for 2017, citing financial losses under Obamacare. The proposed rate increases vary significantly from state to state. While these increases will affect consumers, many will not be heavily impacted given the tax credits that are widely available to most exchange participants.

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How Much Will Individual Health Insurance Costs Increase in 2017?

As 2016 passes the halfway point and the end of summer is near, individual healthinsurance companies are working to set rates for 2017 marketplace plans. The Affordable Care Act (ACA) has seen much scrutiny lately, especially with the announcement that United Healthcare would pull out of most states at the end of this year, citing massive financial losses.

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Individual Shared Responsibility Fee - What Happens if You Don't Buy Health Insurance

The Affordable Care Act (aka ACA or Health Care Reform) requires certain individuals to purchase health insurance or else pay a fee at tax time. This is called the ACA's "individual shared responsibility fee" or "individual mandate".

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The Affordable Care Act’s Exchange Marketplaces

Obamacare Insurance Exchanges 

Obamacare introduced new Health Insurance Exchanges (“Marketplaces”). The Marketplaces are websites where you can shop, compare, and enroll in an individual or small business health insurance plan.

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Obamacare Tax Credits and Subsidies

ACA Tax Credits and Subsidies 

Premium Tax Credits for You and Your Family

As part of Obamacare, the federal government provides discounts for health insurance to eligible individuals and families. The tax assistant program, called premium tax credits, help many people buy more affordable individual or family health insurance coverage through the new state Health Insurance Marketplaces.

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What Is My Individual Health Insurance Tax Credit?

As of 2014, massive tax credits are available to help you buy individual health insurance coverage through new state-based health insurance marketplaces.

The tax credits are only available to you if you enroll in health insurance through your state's health insurance marketplace. If you are eligible for these health insurance tax credits, they will cap your cost of health insurance at 2% - 9.5% of your household income.

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Individual Health Insurance Tax Subsidy Examples - Health Reform

Beginning in 2014, massive tax subsidies will be available to help individuals buy individual health insurance coverage through the new state-based public exchanges. Tax subsidies will be available, beginning in 2014, for individuals who enroll in silver plans through an exchange. 

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