Posts Tagged ‘qualifying for subsidy’

Health Care Reform: What do I Absolutely Need To Know?

Kelley-Jensen2Author: Kelley Filice Jensen

There is so much information circling around the internet and media outlets about Obamacare, health care reform and the new law.   I feel very overwhelmed by it, and I only care how it affects me.  What do I absolutely need to know?

1)       If you have health insurance through an employer with more than 50 employees, you will probably not be affected by health care reform.

2)      If you have health insurance through an employer with less than 50 employees,    your employer MAY change the way he provides health insurance to take advantage of subsidies available to employees.  If so, the health insurance broker he works with will help you with your health insurance.

How to Buy Affordable Health Insurance in 2014

Kelley-Jensen2Author:  Kelley Filice Jensen

Covered CA, the state run marketplace created from health care reform, just issued an actuarial study about the impact of health care reform on health insurance rates for 2014.  The results? Rates are going up somewhere between 20% and 30% or going down between 40% and 75%, depending on your income levels.  So what do you do?  Shop wisely.  The actuarial report highlights the importance of being a smart shopper of health insurance. Being well informed on the plans available, and whether you qualify for subsidy, is critical for getting the best value from the new insurance plans available in 2014.

Test Your Knowledge of Health Care Reform

Kelley-Jensen2Author:  Kelley Filice Jensen

Last week marked the 3rd anniversary of health care reform, formally, The Affordable Care Act (ACA).   Where does the average American stand on the law?  Do they understand it?  Are there misconceptions?  Will they purchase affordable health insurance, in accordance with the individual mandate, or just stay uninsured?  Kaiser Family Foundation (KFF)  , a non-profit, non-partisan foundation that researches and produces health policy and health information in the United States and around the world, released a new Health Tracking Poll detailing America’s current knowledge, expectation, and opinion of The Affordable Care Act.

Health Care Reform and Small Businesses

Kelley-Jensen2Author:  Kelley Filice Jensen

How does health care reform affect small businesses?  What classifies a business as small?  Does reform help or hurt small business owners?  There is a lot of confusion about this new law and the impact it will have on small businesses and owners of those businesses.  Maybe the business has never provided health insurance benefits to employees, but would like to and would like to know more about the state exchanges set up for small business owners.  Or maybe, the business owner has no legal obligation to provide insurance for his employees, even under the new law, but would like to help his employees enroll in affordable health insurance plans available with health care reform.  Questions and answers for small businesses are right here.

Why Not Just Stay Uninsured?

Kelley-Jensen2Author:  Kelley Filice Jensen

March 23, 2013  is the 3rd anniversary of The Affordable Care Act (ACA).
When the major portions of the law take effect in 2014, will the nearly
50 million people who are uninsured decide to purchase health insurance,
or chose to stay uninsured?  What incentive do they have to purchase
health insurance, why not just stay uninsured?

 

First, let’s recap the reasons people do without health insurance:

1)       It is too expensive

2)       They had  it in the past and nothing was covered anyway

We Can Help Get You Covered, California

Kelley-Jensen2Author: Kelley Filice Jensen

Health Care Reform has made health insurance affordable, available, reliable, and real, but health care reform has not made health insurance less confusing… to get the guidance you need, talk to an expert:  a health insurance agent that has years of experience with health plans and health carriers.  Health Care Reform is new, but health insurance is not, so put our knowledge, guidance, reassurance and expertise to work for you and your family.  Click here for a free quote. 

We can help you:

Covered California is CA’s Health Insurance Exchange

Kelley-Jensen2Author: Kelley Filice Jensen

An exchange, also known as Affordable Insurance Exchange, is a State-based, supervised, competitive market place where individuals and small businesses can purchase affordable health insurance. States can design an exchange catered towards its citizens. In addition, the Affordable Care Act (ACA) provides further details and guidance on the purpose, scope, and operation of each exchange. Think of an exchange as similar to the NASDAQ or The New York Stock Exchange.

New Terms from Health Care Reform

Author: Kelley Filice Jensen

Health Care Reform, Obamacare, The Affordable Care Act….all names used interchangeably for the most expansive change in the way Americans will pay for health care after 2014. Here are many new terms to come out of this law, here is a glossary of the pertinent ones.

Exchange –   A government run entity that will be a supervised marketplace for access to qualified health plans and subsidy.  The exchange will not issue insurance or offer a government-run health plan, they will merely serve as a marketplace for consumers to gain access to private insurance carriers’ qualified health plans.  Each state is expected to form its own exchange, and if it does not, the federal government will establish one on the state’s behalf.

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