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Tag Archives: Obamacare

What is a grandfathered medical plan?

Grandfathered medical plans are health insurance policies that you have been a member of since 2010. The grandfathered policy can be both through your workplace or private agency. The status includes those who did not renew with a new company nor made any changes to their existing policy. Health insurance coverage you may have through […]

Why is medical insurance so complicated?

Medical insurance is unlike other types of insurance. The consumer can feel that it is a never-ending stream of demands for payment. The medical insurance contract must meet the standards of the Affordable Care Act for qualified health coverage. Going without coverage can bring a tax penalty, and many consumers feel that affordable premiums come […]

What is guaranteed issue health insurance?

Guaranteed issue health insurance is insurance that insurance companies must issue to every applicant without regard to any other factor including health, pre-existing conditions, or age. Obamacare enrollment became guaranteed issue in 2014 when it banned the use of pre-existing conditions. Comparison shopping is a proven method for finding the best values in guaranteed issue […]

What does “HMO” mean in healthcare?

The type of management in a plan can make a big difference in the level of services, the size of the network, and costs of benefits. The common feature of all plans is the provider’s network. The network is the group of medical care providers that the insurance provider pays to serve a plan’s subscribers. […]

What religious group is exempt from Obamacare?

Obamacare, officially known as the Affordable Care Act, calls for all Americans to have health insurance. If they are not, they are responsible for paying a penalty. However, there are certain exemptions to this rule. Most of the exemptions are related to financial hardship. There is also a religious exemption, and the rules regarding this […]

Why does Obamacare cost more money?

Obamacare may cost more than insurance did before the fundamental reforms. However, one must add in the same breath that the extent of coverage and depth of protection more than compensate for any added costs. Insurance that does not protect policyholders is not worth a price, even a lower one, to those in need. Before […]

When do I get the Obamacare subsidy?

With the passage of the Affordable Care Act (ACA) — which is also known as Obamacare — many people who faced high costs for health insurance became eligible for certain programs. That financial assistance is provided through premium tax credits and other cost-sharing reductions for people getting insurance through the Marketplace. After finding out how much […]

Information Needed to Apply for Obamacare

What information do I need to fill out a plan on the Marketplace? In order to fill out an application on the Healthcare Exchange Marketplace, you will need to have some personal information and documentation on hand. You will need basic information about yourself and your other applicants including name, address, and birth dates. If […]

HSA Accounts Under Obamacare

A Health Savings Account (HSA) is designed to be a tax savings mechanism to promote individuals saving for necessary medical expenses by giving them a tax break at the time that a contribution is made. Individuals contributing to an HSA are able to use that money to pay for certain medical expenses on a tax-free […]

Are premiums higher under Obamacare for smokers?

How does the Affordable Care Act affect smokers? The Affordable Care Act does allow insurance companies to charge higher monthly premiums to those who are considered smokers. Insurers can charge smokers up to 50 percent more because of the tobacco surcharge. When you apply for health insurance, you have to report on your application whether […]

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