Individuals & Families Newsletter
UP A Creek?
Despite the fact that the first round of “Repeal and Replace” fizzled, a significant change is coming. In early April, the new administration announced that it would cut back the enrollment period for next year's individual plans offered through the existing...
ACA and the Trump Administration
We have received numerous inquiries from clients as to the fate of their health insurance. We know that President Trump has signed an Executive Order and that change to the law is inevitable. Here are a few reminders and thoughts on what to expect: The ACA is still...
ALERT! Open Enrollment Deadline Date Change
In my previous blog I stated that CoveredCA, the public marketplace, announced they were extending the open enrollment deadline to February 15th. This is incorrect. The last day of open enrollment is January 31st. CoveredCA mistakenly reported the wrong date range for...
Open Enrollment Ending Soon!
The health insurance open enrollment period is scheduled to close on January 31, 2017, for the private market (also called off-exchange). The private market is where you enroll in a plan directly with an insurance company through an agent or broker like me. CoveredCA...
Open enrollment begins November 1 for Individual/Family Insurance.
As we approach another open enrollment period, I wanted to share information that may help clients and friends make a decision about their health insurance. Premium rates and plan information is trickling in from carriers and it appears rate increases are again a...
Open Enrollment Approaches
Starting November 1, open enrollment in the individual and family health insurance marketplace begins and will continue through January 31, 2017. This will be the fourth year of open enrollment under the Affordable Care Act (ACA) and many consumers are now familiar...
Consumers ultimately pay for drug cost increases.
When it comes to claims of price gouging, drug companies rarely flinch. But EpiPen makers (Mylan) have gotten an ear full and then some. This week, Mylan announced the release of a generic version of the EpiPen at half the cost ($300). See Reuters Report. But these...
To COBRA or not to COBRA, this is a frequent question.
First, COBRA is not health insurance. COBRA (Consolidated Omnibus Budget Reconciliation Act) is a federal law that governs how and when a qualified beneficiary can continue terminated group health insurance coverage for a specified period of time by self-paying the...
Travel Insurance provides peace of mind.
Many travelers are under the wrong impression their domestic health insurance plan or the US government will provide assistance in the event of a medical emergency while traveling abroad. With international travel at an all-time high, more travelers are realizing the...
Special Enrollment Period
The ACA reform has brought with it restrictions on when individual health insurance plans can be purchased. Every year there is an open enrollment period during which time those who are uninsured can enroll in a plan or those with a plan can make a plan change. The...