"If you like your health care plan, you can keep your health care plan." This was one of President Obama's key talking points when selling the Affordable Care Act, and it was never true — as many of the 14 million Americans currently covered by individually-purchased health plans are now learning.
As Kaiser Health News reports, individual market insurers are sending out rafts of cancellation notices, telling subscribers they have to change to new plans starting in 2014. Here's why:
Tuesday, October 22, 2013
Top 4 Obamacare Complaints
The debut of the Obamacare health insurance exchanges has been anything but smooth.
Three weeks after the exchanges opened, Americans are still having a tough time signing onto the Obamacare websites. And once they manage to get in, many aren't so happy with what they're finding.
Three weeks after the exchanges opened, Americans are still having a tough time signing onto the Obamacare websites. And once they manage to get in, many aren't so happy with what they're finding.
Thursday, October 3, 2013
Subsidy Calculator - Premium Assistance for Coverage in Exchanges
This tool illustrates health insurance premiums and subsidies for people purchasing insurance on their own in new health insurance exchanges (or “Marketplaces”) created by the Affordable Care Act (ACA). Beginning in October 2013, middle-income people under age 65, who are not eligible for coverage through their employer, Medicaid, or Medicare, can apply for tax credit subsidies available through state-based exchanges.
Tuesday, October 1, 2013
Take a deep breath....
Today at 8 a.m. ET the Marketplace opened for the very first time. There have been technical difficulties, glitches, delays, and at times, it has gone down completely. Today is just the first day, take a deep breath, let the dust settle, and remember that we are here to help you. The Open Enrollment Period is October 1, 2013–March 31, 2014. As long as you enroll by December 15, 2013 and make your first premium payment, your new health coverage will be effective January 1, 2014.
Since March 23, 2010 when the Affordable Care Act (ACA) was passed into law, we have all been on a journey to understand how the law will impact each of us. This is still true today as we continue to work through final regulations and the opening of the Marketplace. However, one element of the law is clear. Health care reform does nothing to sever the Client / Broker relationship and our ability to help you. Under ACA, Sterling Benefits, LLC will continue to be able to advise and assist clients with their benefit needs as we move into 2014.
As acknowledged by President Obama, ACA is complex and the implementation will be "bumpy". Some of you may be able to access government subsidies to help obtain quality health insurance at affordable rates. Others will continue to access health care from their current method. Health care reform will change many aspects of our current system but it will not affect our ability as a Broker to work on your behalf. We want to assure you we are Marketplace Certified and will be able to provide all of our clients with the help needed to find the best solution for your specific situation.
Thank you for the opportunity to be of service.
Sincerely,
Christina & Brenda
Brenda D. Cutting
National Producer Number (NPN) = 6998229
Federally-Facilitated Marketplaces (FFM) ID = bcutting
Christina M. Brunner
National Producer Number (NPN) = 8659135
Federally-Facilitated Marketplaces (FFM) ID = cbrunner
Since March 23, 2010 when the Affordable Care Act (ACA) was passed into law, we have all been on a journey to understand how the law will impact each of us. This is still true today as we continue to work through final regulations and the opening of the Marketplace. However, one element of the law is clear. Health care reform does nothing to sever the Client / Broker relationship and our ability to help you. Under ACA, Sterling Benefits, LLC will continue to be able to advise and assist clients with their benefit needs as we move into 2014.
As acknowledged by President Obama, ACA is complex and the implementation will be "bumpy". Some of you may be able to access government subsidies to help obtain quality health insurance at affordable rates. Others will continue to access health care from their current method. Health care reform will change many aspects of our current system but it will not affect our ability as a Broker to work on your behalf. We want to assure you we are Marketplace Certified and will be able to provide all of our clients with the help needed to find the best solution for your specific situation.
Thank you for the opportunity to be of service.
Sincerely,
Christina & Brenda
Brenda D. Cutting
National Producer Number (NPN) = 6998229
Federally-Facilitated Marketplaces (FFM) ID = bcutting
Christina M. Brunner
National Producer Number (NPN) = 8659135
Federally-Facilitated Marketplaces (FFM) ID = cbrunner
Homework involved to apply for health insurance
Article from the AP:
WASHINGTON (AP) -- Getting covered under President Barack Obama's health care law might take you more than one sitting. In a media preview, it felt like a cross between doing your taxes and making an important purchase that requires research.
"Nothing like this has ever existed before," said Health and Human Services Secretary Kathleen Sebelius.
You'll need accurate income information for your household, plus some understanding of how health insurance works, so you can get the financial assistance you qualify for and pick a health plan that's right for your needs.
WASHINGTON (AP) -- Getting covered under President Barack Obama's health care law might take you more than one sitting. In a media preview, it felt like a cross between doing your taxes and making an important purchase that requires research.
"Nothing like this has ever existed before," said Health and Human Services Secretary Kathleen Sebelius.
You'll need accurate income information for your household, plus some understanding of how health insurance works, so you can get the financial assistance you qualify for and pick a health plan that's right for your needs.
Things to Know About Health Insurance Today
Today begins the biggest expansion of health insurance since Medicare. According to the Congressional Budget Office (PDF), an estimated 7 million Americans will buy private health plans through the new online marketplaces known as insurance exchanges, which are now opening nationwide. That number is expected to more than triple in the years ahead.
It could be a bumpy launch, with technical problems and public confusion.
Here are 10 things you need to know about the insurance exchange program:
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