Sign up by February 15th (or so) to avoid Penalties

Courtesy of the Associated Press: WASHINGTON (AP) — You’ll have to get coverage by Valentine’s Day or thereabouts to avoid penalties for being uninsured, the Obama administration confirmed Wednesday. That’s about six weeks earlier than a Mar. 31 deadline often cited previously. The explanation: health insurance coverage typically starts on the first day of a…

Read More

Will you qualify for a premium subsidy? Will you want to?

The Affordable Care Act health care reform kicks into high gear in just a few weeks and so will access to subsidies. If you buy your own medical insurance, and your income falls within certain guidelines you may benefit from government subsidies to lower the cost of your monthly premium. You may receive a SUBSIDY…

Read More

2014 – Is my Individual plan really going away January 1st?

The easy answer is YES.  All current Non-Grandfathered individual plans will cease on January 1st 2014, to be replaced by new plans that meet HealthCare Reform guidelines.  It is NOT true that “If you like the plan you have you can keep it”.    These new plans will be offered both INSIDE and OUTSIDE the new…

Read More

Open Enrollment for Children Ends April 30th!

This is a FINAL REMINDER that Spring 2013 ‘Open Enrollment’ for Washington State Children is closing: This will be your last chance to enroll your children under age 19 in an Individual plan until next Fall. If you have been contemplating covering your uninsured child or changing their plan, your window of opportunity to do…

Read More

What to do during your Health Plan’s Open Enrollment

It’s that time of year again, when many Health Insurance Plans have their Annual Open Enrollment period. With new regulations in place because of health reform, as well as ever increasing costs of medical care, employees can use all the help they can to understand what they should do during this time. Employers are making more…

Read More

Pay Up Smokers! Health Care Reform is going to hit your wallet.

Under a provision of the new Health Care Reform Law, smokers will be charged up to 50 percent more than nonsmokers for health insurance beginning in 2014. Currently the “smoker rates” are usually limited to around a 20 percent surcharge over non-smokers. George Washington University law professor John Banzhaf helped persuade HHS and Congress to…

Read More