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Health

Why should I have health care coverage?

On October 1st the Marketplace for health insurance opened to the public. Each of the 50 state exchanges began enrolling people for health care insurance. The insurance policies will go into effect on January... Read More
Health

What key dates do I need to know for the Affordable Care Act?

There are a number key dates that people who have an interest in the Affordable Care Act should know about.   On October 1, 2013 the open enrollment for health insurance Marketplace began. ... Read More
Health

What is the Health Insurance Marketplace?

The Affordable Care Act (ACA) goes into effect on January 1, 2014. As a result of the new law many people have questions about the ACA and about how the health insurance Marketplace will work.  The health... Read More
Health

What is an Employer Shared Responsibility Payment?

Employer shared responsibility payments will only affects large employers with 50 or more full time equivalent employees (FTE). The purpose of the payments was to prevent employers from discrimination... Read More
Health

What is the SHOP Marketplace?

The Small Business health Options Program (SHOP) is an online Marketplace that was set up by the U. S. government. SHOP was designed for small businesses with 50 or fewer full time equivalent employees... Read More
Health

Where can I get low cost care in my community?

For people that are poor and who are unable to pay much money for health care the Health Resources & Service Administration (HRSA) can help. The HSRA website address is http://findahealthcenter.hrsa.gov/Search_HCC.aspx.... Read More
Health

What is considered a small business?

Under the Affordable Care Act (ACA) a small business is an employer with 50 or fewer full time equivalent employees (FTE). That is the requirement for a business to take advantage of the Small Business... Read More
Health

What information do I provide when applying for Marketplace coverage?

In order to apply for health care through the Affordable Care Act (ACA) Marketplace you will need to enter the healthcare.gov  website. Once you enter the website you will need to provide information... Read More
Health

What if someone does not have health coverage in 2014?

The Affordable Care Act (ACA) was signed into law in March of 2010. One of the key provisions of the ACA is the individual mandate. The individual mandate requires individuals, their children and anyone... Read More
Health

What if my current individual plan is changing or not being offered in 2014?

If your plan is changing or not being offered in 2014, you have some decisions to make.  If your plan is changing you will need to evaluate how the changes will affect your coverage’s and budget.... Read More
Health

What if my business has 50 or more employees?

Under the provisions of the Affordable Care Act (ACA) if you have 50 or more full time equivalent employees (FTE) you will be required to provide health care benefits your employees, or face penalties... Read More
Health

What if I am self-employed?

When the provision of the Affordable Care Act (ACA), go into effect on January 1, 2014 it will be the beginning of big changes for the self-employed. Prior to the ACA many self-employed people depended... Read More
Health

What if I am losing job based insurance?

If you are losing job based insurance, you should probably be able to continue your insurance coverage under the Consolidated Omnibus Budget Reconciliation Act (COBRA). Since the passage of COBRA in... Read More
Health

What if I am retired and not eligible for Medicare?

Under the provisions of the Affordable Care Act (ACA) even if you are retired and not eligible for Medicare, you will be required to get insurance by January 1, 2014 or pay a fine to the IRS.  One of the provisions... Read More
Health

What if I am a part time employee without health coverage?

Under the rules of the Affordable Care Act (ACA) there is no requirement for an employer to offer health care benefits to part time employees. Therefore if you work less than an average of 30 hours per week... Read More
Health

What if I need coverage before January 2014?

Enrollment for insurance under the Affordable Care Act (ACA) began on October 1, 2013.  The effective date for policies that are purchased through the ACA insurance Marketplace is January 1, 2014.... Read More
Health

What if I have a pre-existing health condition?

When the Affordable Care Act (ACA) became law on March 23, 2010 many individuals with pre-existing medical conditions had a reason to rejoice.  Under the previous law COBRA, individuals with serious... Read More
Health

What if I have job based insurance?

About 50% of Americans receive health insurance through their job, or through the job of a family member.  If you are in this category, your insurance is safe and you will probably not have to do anything... Read More
Health

What if I currently have COBRA coverage?

If you currently have COBRA health insurance through your employer, if your child is covered by CHIP, or if you are on Medicare or Medicaid, the rollout of the Affordable Care Act (ACA) will not affect... Read More
Health

What does Marketplace insurance cover?

The Affordable Care Act (ACA) was signed into law on March 23, 2010. It is estimated that there are 47 million Americans that lack health care coverage and who could benefit from the health coverage’s... Read More

 

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