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2016: Affordable Care Act Open Enrollment Period

Posted by in Uncategorized on October 30, 2015

As part of the Affordable Care Act (ACA) there is now an annual open enrollment period. The open enrollment period runs from November 1st 2015 through February 1st 2016. It is the only time during the year when you may change or buy a new health insurance policy, unless you have a life changing event

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Obamacare Open Enrollment Extension

Posted by in Uncategorized on February 20, 2015

Obamacare Open Enrollment Extension (aka Special Enrollment Period for Tax Season): The announcement this morning regarding the open enrollment extension is being called a “Special Enrollment Period for Tax Season”. In order to qualify for this Special Enrollment Period, you MUST meet the following requirements: Currently NOT enrolled in coverage Attest that when filing 2014

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Anthem Blue Cross Data Breach

Posted by in Uncategorized on February 2, 2015

On January 29th, 2015 Anthem, Inc., an independent licensee of Blue Cross Blue Shield Association, discovered a sophisticated attack by hackers to gain access to the Anthem Blue Cross Blue Shield IT system. Although in Illinois the Blue Cross and Blue Shield of IL (BCBSIL) systems were not breached, it is still possible that some

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Health Insurance Open Enrollment Period

Posted by in Uncategorized on December 13, 2014

You can  buy health insurance only during the annual Open Enrollment period. Important Dates to know for the Marketplace: November 15, 2014: 2015 Health Insurance Open Enrollment period starts December 31, 2014: Coverage ends for all 2014 plans January 1, 2015: 2015 coverage can begin February 15, 2015: 2015  Open Enrollment ends During the Health

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Employers Cannot Pay Individual Premiums

Posted by in Uncategorized on December 13, 2014

Employers CANNOT Pay For Your Individual Medical Premiums. On November 6th the IRS released information stating that reimbursement of health insurance premiums for individual coverage on either a pre-tax or an after-tax basis will trigger a $36,500 fine. Q1.  What are the consequences to the employer if the employer does not establish a health insurance

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Special Enrollment Periods

Posted by in Uncategorized on December 13, 2014

From Feb 16th through Nov 14th. Special Enrollment The Affordable Care Act (aka Obamacare) guarantees that almost everyone can get health insurance in the marketplace.  In most cases, you can only sign up for a health insurance plan during the open enrollment period for an on or off exchange plan.   Open Enrollment for 2015

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Pre-existing Conditions – Are You Sick?

Posted by in Uncategorized on December 13, 2014

You cannot be turned down for being sick! According to the dictionary a pre-existing condition is a medical condition that occurred before  a program of health benefits went into effect. Under The Affordable Care Act (aka Omabacare) health insurance companies no longer have pre-existing condition clauses.  You also cannot be charged more for being sick. Being

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Types of Health Insurance

Posted by in Uncategorized on December 11, 2014

Types of Health Insurance There are four major types of health insurance coverage that can be purchased.  The first and most common is Group Health Insurance, Under 65 On or Off Exchange Policies, Temporary Policies and Over 65 Medicare Policies. Group Health Insurance Is purchased by an employer that actively work for the company and

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U65: During Open Enrollment

Posted by in Uncategorized on November 15, 2014

From Nov 15th through Feb 15th. For individuals under 65 years of age. When can I enroll for 2015 coverage? You can purchase a 2015 health insurance policy and, if you’re eligible, claim your tax credits anytime between November 15, 2014, and February 15, 2015. What happens if I miss the open enrollment period? If

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