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Starting in 2014, most Americans are required to have health insurance or pay a tax penalty under the individual mandate. Health plans are also more comprehensive, and more expensive, than ever before, making it difficult for some people to afford coverage. To help with this cost, the government now offers premium tax credits to individuals and families who earn up to 400% of the federal poverty level and who do not have access to other “minimum essential coverage.”

The below articles are designed to help you understand all of these new changes and determine how the health reform law impacts you and your family.

IRS Issues Maximum Individual Mandate Payment for 2017

  • August 24, 2017

Guidance Provides 2017 Monthly Average Premium for Bronze Plans The IRS has released the 2017 monthly national average premium for a bronze level health plan offered through the Health Insurance Marketplace, which is used to determine the maximum individual mandate…

IRS announces HSA, ACA limits for 2018

  • August 12, 2017

Deductible and Out-of-Pocket Limits The Internal Revenue Service has announced the deductible, out-of-pocket, and contribution limits for HSA-qualified plans for the 2018 calendar year. The minimum deductible increased by $50 for individuals, from $1,300 to $1,350, and by $100 for…

2017 Individual Policy Pricing Information for DFW Area Plans

  • November 8, 2016

We have reviewed the rates from the carriers both on and off the exchange and here is the breakdown from lowest priced to highest premium plans in the Dallas-Fort Worth area. On Exchange (lowest to highest premium) Molina Healthcare** Ambetter**…

New BCBSTX Preferred Pharmacy Network

  • November 4, 2016

Beginning January 1, 2017, all small group and individual metallic plans will experience a change to their Preferred Retail Pharmacy Network which allows members to pay the lowest copayment at a network of pharmacies designated as preferred. The preferred pharmacy…

What to do with the new tax forms

  • February 25, 2016

It’s tax season, and this year you may be receiving new forms in the mail from your employer, insurance company, and/or the federal government. What are you supposed to do with these forms, and what new requirements do you have…

What is a Medical Emergency?

  • November 10, 2015

The Affordable Care Act requires insurance companies to pay for emergency services as an in-network benefit even if you receive care from a non-network provider, but what's the definition of a medical emergency? Well, it may differ slightly from one…