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Looking for health insurance? We can help you find quality health coverage.
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How will you be affected by the new Affordable Care Act?
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Healthcare: Crisis or Wake-up Call?

Frequently Asked Questions about Healthcare

Do all employers have to notify all of their employees of the Exchange/Marketplace?

Do all employers have to notify all of their employees of the Exchange/Marketplace?

Answer:

Yes.  By October 1, 2013 all employers, large, small, those offering health insurance, and those not offering health insurance, must notify all employees of their options.  The US Department of Labor has created 2 forms, one for employers offering and one for employers not offering coverage. Here are links to the forms;

Notice for employers with plans

Notice for employers without plans

We can assist you in completing the forms. Just send us an email.

Do you have any Webinars?

Do you have any Webinars?

Answer:

Yes. One of our Marketplace certified agents had the wonderful opportunity to have a presentation recorded.  You may watch it here http://youtu.be/gnl5lSMAPnc

How do I qualify for a premium subsidy as an individual?

How do I qualify for a premium subsidy as an individual?

Answer:

Subsidies will be calculated at the time you apply through a government exchange.  On July 5, 2013 the Federal government has relaxed the rules that exchanges must verify income levels on individuals for the 2014 year.  This means that exchanges can only conduct random checks of income levels for 2014.

A household with an income level of less than 400% of the federal poverty level may qualify for a subsidy.

 

When do large employers (50+ employees) need to comply with the new law?

When do large employers (50+ employees) need to comply with the new law?

Answer:

On July 2. 2013, the Obama Administration announced that it is delaying the employer mandate until January 1, 2015.  This means that employers that employ 50 or more employees will not be subject to providing affordable insurance or paying a penalty.   This does not however, delay the start of the individual mandate that will become effective January 1, 2014.  The individual mandate requires that individuals must carry insurance as defined in the law or pay a penalty in 2014 of the greater of 1% of income or $95.  This amount increases in the following years.

 

 

When will the new health care law start?

When will the new health care law start?

Answer:

The health insurance reforms adopted as part of the Patient Protection and Affordable Care Act (PPACA), and the subsequent reconciliation bill, are phased-in over 5 years. Most provisions will not take effect until January 1, 2014. There are also modifications to certain provisions that will change in the years after 2014. However, there are some new protections that have already been implemented:

  • Lifetime limits are prohibited and annual limits are restricted
  • Enhanced appeal procedures are available to consumers
  • Children under 19 years of age cannot be denied coverage
  • Children up to age 26 may remain on a parent’s policy
  • Preventive services must be coverage and cannot have cost-sharing
  • New rate review transparency requirements are in place
  • Medical loss ratio standards limit insurers’ overhead
  • A standardized summary of benefits must be used by all insurers, allowing for easier comparison of plans

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