Just days before the December 23 deadline to purchase health insurance, the government announced that anyone who received a cancellation notice for their individual health insurance policy now has the option to claim a hardship and either not purchase insurance at all or purchase a catastrophic health plan. What does this really mean? What is a Catastrophic Health Plan? Here is the definition of a catastrophic health plan as stated
December 23 Health Insurance Deadline Draws Near
December 23, 2013 is Almost Here It may feel like a race against the clock, but there is still time to enroll in health insurance by the December 23 deadline. Enrolling by that date will ensure you’re covered by January 1, 2014. What Should You do if You Have Not Gotten Health Insurance Yet? First of all, don’t panic! You still have a bit of time! (Note: Maryland residents
Clarification to HHS Recommendations for Insurance Carriers
In a previous post, we outlined the recommendations made by the Department of Health and Human Services (HHS) last week to encourage health insurance carriers to take steps toward easing policyholders’ transition to new 2014 ACA-compliant health plans. We want to provide clarification on a couple of the points, and dissuade anyone from believing their insurance carrier will simply cover any out-of-network care or off-formulary drugs throughout the month of
Another View From the Health Insurance Trenches
It has been about a month since we wrote about our experience “in the trenches” as we help our clients manage the transition to the Affordable Care Act (ACA). Many of you are wondering how things are going. Record High Volume at Virginia Medical Plans We, like most brokers across the country, continue to experience a record high volume of calls and emails. As you can imagine, we are doing
Who Wins under the Affordable Care Act?
Are There Any Winners Under the Affordable Care Act (ACA)? The short answer is YES. Many Americans — millions in fact — will be better off because of the new law. Let’s look at it strictly by the numbers. The population of the United States is approximately 300 million. Here is a breakdown of the health insurance status for Americans today: Some points to consider regarding Americans who currently have
Virginia Medical Plans’ Jon Katz in the News
Virginia Medical Plans’ own Jon Katz has become the go-to guy when it comes to information about today’s ever-changing landscape of health insurance. The local press in the Washington DC / Virginia / Maryland area has called upon Jon’s expert knowledge several times since the rollout of Affordable Care Act (ACA), otherwise known as Obamacare. In October, Jon was featured on National Public Radio (NPR)’s radio show Marketplace (click here
National Association of Health Underwriters Helps Brokers Manage Affordable Care Act (“Obamacare”)
The impact of the troubled online federal health insurance marketplace — healthcare.gov — has been felt by many Americans trying to manage the transition to the Affordable Care Act (ACA), otherwise known as “Obamacare”. And now we have a numeric representation of the impact — last week the Department of Health and Human Services (HHS) released enrollment numbers since the opening of the health insurance marketplace on October 1. The
Obama’s News Conference on Affordable Care Act — What Does it Mean?
Yesterday President Obama held a national news conference in which he apologized for “fumbling” the rollout of the Affordable Care Act (ACA) — otherwise known as “Obamacare”. In addition to his apology, the President suggested a fix for the millions of Americans whose current policies are being canceled by their health insurance carrier. The Proposed Fix The proposed fix involves letting people hold on to their non-ACA-compliant health insurance plans
Impact of Obamacare on the Individual and Small Group Health Insurance Markets
Everywhere you turn these days, the Affordable Care Act (ACA) — otherwise known as “Obamacare” — is in the news. From last month’s government shutdown, to the glitchy launch of healthcare.gov, to the results of last week’s elections, and now to President Obama’s recent apology for millions of policy cancellations despite his earlier statement that we’d all be able to keep our health insurance, the news can be contradictory, confusing,
Sticker Shock over 2014 Health Insurance
Many Americans in the individual health insurance market — those who purchase their own health insurance vs. getting it through their employer — are getting their first glimpse into their 2014 premiums. And many are facing sticker shock! Why are some people’s prices increasing in the 2014 individual market? The price increases are a matter of math and statistics. No More Denial for Pre-Existing Conditions A cornerstone of the Affordable
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