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I heard there is a penalty for not buying health insurance. Is that true?

If you failed to get healthcare coverage in the year 2014, you may be responsible for paying a penalty. This is because part of the Affordable Care Act mandates that you have coverage of some type. This does not mean that every person, however, received coverage. Some people might have started the enrollment process but never finished. Others may have felt they were unable to identify the right plan for them. Still others may not have understood the ramifications of going without coverage. There are a few different terms that capture what this penalty ...

I Signed up For SHOP, but it takes Forever to Process Enrollments and Terminations. How Can I Speed it up?

Once you have set up your health insurance plan, you need to take the responsibility of managing the details of signing up and dropping employees as you go throughout the course of business. You can add new employees onto the medical plan when they are hired or after they have completed a probationary period. Once an employee has elected which plan they want to be on, it stays that way until they change it through open enrollment, until they have a qualifying status change, or until the employee leaves your company. In order ...

I have pre-existing conditions like Diabetes and Blood Pressure. Can I buy health insurance now and be fully covered?

Pre-existing condition refers to a health problem that existed before an individual obtains coverage through a health insurance company. Insurance companies have always bene very aware of their bottom line, realizing that those with serious medical conditions could generate extremely high costs that would influence their profits or make it difficult for other individuals to avoid coverage. In the past, it was extremely difficult for individuals with pre-existing conditions to get the most out of their health insurance coverage. They might have tried to apply for coverage and discovered that the insurance ...

Is Dental an Essential Health Benefit

The Affordable Care Act is an extremely broad set of rules and regulations that set the tone for the health insurance industry and millions of people across the country. A revolutionary and comprehensive law, it's not always easy to understand what benefits you are entitled to under the minimum essential health benefits and what you can expect to pay for outside of your traditional coverage. Just a few of the accomplishments of the act include integrating more care delivery, expanding medical coverage for individuals across America, and ushering in major financing changes ...

My Employer-Based Coverage Is Too Expensive. What Are My Options?

If you have coverage through your employer, you are typically considered covered and won't be facing the tax penalty for uninsured individuals. There are some cases, however, where the coverage offered through your employer may seem too expensive, leading you to consider your options. You might be able to switch over to a plan offered through your state's health insurance exchange, but it's possible that you will not quality for lower costs as a result of your income. Of course, this depends on the cost and the type of insurance that your ...

Whats Cheaper? Buying plans on my own or buying COBRA insurance.

If you have been laid off or fired from your job, the amount of details you may be considering can be overwhelming. It can be difficult to figure out where to start, but health insurance should certainly be something you consider fixing right away. Typically, you’ll expire out of your employer sponsored coverage at the end of the month or billing period for that coverage. Your employer is legally obligated to give you the option of continuing on with your existing plan at your own cost for up to 18 months after you leave your job. Shortly after leaving, you should ...

I was laid off from my job and I lost my benefits. What are my options?

Finding out that you no longer have health insurance as a result of being laid off can be a confusing and frustrating experience. If you have relied on health insurance coverage through your employer in the past, you will lost it at some point after being fired, getting laid off, or voluntarily leaving your position. When this coverage ends tends to depend on your job, as some employers will keep your coverage through the end of the month or a different period if stipulated in your employment contract. The Affordable Care Act does not change your health insurance if you ...

How long does it take to get the health insurance? When can we start?

At the close of March 2014, the open enrollment period ended for obtaining health insurance. This doesn’t mean, however, that you have no options to get covered. If you qualify for Medicaid or have someone who needs coverage under the Children’s Health Insurance Program, you may sign up for these services at any time year-round. If you meet the minimum qualifications, you’re eligible to sign up right away to being receiving those benefits. Outside of the typical enrollment period, you may qualify for special enrollment if you meet any of the following criteria regarding qualifying life events: Divorce or marriage Adopting a child Having ...

Can a pregnant person get health insurance under the new law?

One of the most common questions surrounding health insurance under the Affordable Care Act is whether there are certain circumstances or conditions that might prohibit a person from being able to get the health insurance he or she needs. There are numerous ways that women benefit from new coverage requirements under the new law, and maternity care is one of those benefits. In the individual insurance market prior to the Affordable Care Act, maternity care was routinely excluded for one reason or another. Before the Affordable Care Act went into place, just over 10 % of plans provided access to these ...

What’s the difference between HMO and PPO Plans?

Shopping around for health insurance is always a bit intimidating for first time buyers. There is so much important information to know and so many different kinds of plans with different benefits, when looking at all of the information floating around cyber space, it can become a bit overwhelming. If you are self-employed or working your first full-time job with benefits, open enrollment for your company's insurance plan can feel super stressful. After all, you don't have time to wade through a sea of websites to figure out which plan is best for you and your budget. Besides that, there are ...