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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.

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…

JME Webinar: Time to Get Ready for Open Enrollment

  • October 21, 2015

Thank you to everyone who attended the "Time to Get Ready for Open Enrollment" webinar October 20th--we hope you found the information beneficial. As promised, you can download a copy of the presentation below. Time to Get Ready for Open…

Individual Mandate Penalties for 2016

  • October 7, 2015

Beginning in 2014, the Affordable Care Act requires most Americans to have health insurance coverage or pay a penalty when they file their taxes. The penalty is the greater of a flat dollar amount or a percentage of your household…

Lower your financial exposure with a cost-sharing subsidy

  • September 30, 2015

As a result of the King v. Burwell Supreme Court case, most people have now heard of premium tax credits, the financial assistance available to individuals and families with incomes up to 400% of the Federal Poverty Level (FPL) who…

Why is health insurance so expensive?

  • September 23, 2015

We actually get this question a lot, usually at renewal time when people learn what their health insurance premiums will be for the next 12 months. On a macro level, the answer is that health insurance companies pay for medical…

Need health coverage before January 1st? Consider a short-term plan.

  • September 16, 2015

Each year, there’s an “open enrollment period” for people who want to purchase an individual health insurance policy or make changes to their existing coverage. For 2016, the open enrollment period runs from November 1, 2015 to January 31, 2016.…

Maternity now covered on individual plans!

  • September 9, 2015

One of the big changes made by the health reform law is that it standardized and added to the benefits offered in individual health insurance policies. In addition to making all plans guaranteed issue, which means the insurance company can’t…

What does guaranteed issue mean?

  • September 2, 2015

As of 2014, all plans sold in the individual market are now “guaranteed issue,” which means that an insurance company cannot decline to cover you or charge you more based on any pre-existing medical conditions. Insurers also cannot make you…

Losing employer coverage? Here are your options.

  • August 26, 2015

When people lose their job unexpectedly or consider leaving their job to do their own thing, one of the first things they think about is their health coverage. A lot of people get their health insurance through their employer and…