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(Must have compatible plan)

for Marketplace plans

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The below articles provide important updates about your family’s health insurance coverage.

Lower your financial exposure with a cost-sharing subsidy

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?

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.

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!

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?

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.

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…

Federal Poverty Levels for 2015

The Affordable Care Act provides premium tax credits for individuals and families with incomes up to 400% of the Federal Poverty Level who are not eligible for other minimum essential coverage through an employer or a government program. The tax…

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