Florida Health Insurance Advisors
The American Recovery Act
The American Recovery Act passed by congress increases the tax subsidies available to individuals who purchase their health insurance from one of the health insurance exchanges. This provision will lower the cost of health insurance to millions of individuals and families who purchase private insurance.
Health Insurance Tax Credit
The health insurance tax credit you qualify for is based on the number of dependents on the your tax return, not the number of people applying for coverage. An example would be a single mom with two kids covered by Florida's Kidcare program. When she enrolls in a health insurance plan through Healthcare.gov, when will qualify for a tax credit based on a family of three not one. Make sure you are receiving the full tax credit you deserve.
Dental Insurance
Did you know that a good dental plan can cost as little as $14.00 per month or $26.00 for a family. Don't put off needed dental work, get a good dental plan today.
Obamacare Open Enrollment
The Federal health insurance marketplace healthcare.gov will reopen on Feb. 15th and stay open through May 15th. During this time any legal U.S. resident can sign up for a health insurance plan with no health questions asked. In addition, many will qualify for tax credits to help lower their monthly costs based on their income.
Obamacare News
President Biden will soon sign an executive order that will reopen the Health insurance exchange for several months to allow those who missed the last open enrollment to obtain health insurance. This will help the millions of Americans who have lost their employer based health insurance due to the pandemic. The new administration is also planning to expand Medicaid and the premium subsidies in order to cover more people.
Obamacare Open Enrollment
The annual open enrollment for Obamacare has begun and will end on will end on Dec 7th. During this time any legal U.S. resident can enroll in a healthcare plan with no health questions asked and no pre-existing condition limitations applied. In addition many individuals will qualify for tax credits to help lower the monthly cost. Even if you already have a healthcare plan you should shop on Healthcare.gov as new plans have entered the marketplace which may better suit your needs
Medicare Open Enrollment
Medicare's annual open enrollment period begins on Oct. 15th and ends on Dec. 7t. During this time, anyone who is Medicare eligible can enroll in a Medicare insurance plan or make changes to their current plan. Information on the current plans is available now so that Medicare recipients can review their options so they can make an informed decision when the open enrollment begins.
Cigna Healthcare
Cigna Healthcare has announced that they are expanding their individual health insurance footprint in Florida. Right now their plans are only available in Palm Beach and Collier counties but for open enrollment this year they will also be available in Orange, Lake, Seminole, Osceola, Broward, Martin, St. Lucie, and Indian River counties. Cigna offers affordable PPO plans with strong networks and outstanding benefits.
Health Insurance Rebates
In the next few weeks you may be receiving a rebate from your health insurance carrier as required by the Affordable Care Act. The A.C.A. requires insurers to spend at least 85% of their revenues on medical expenses, any amount under that must be returned to their inured customers. If you are an employer and do receive a rebate, you must either return it to your employees who are on your group health plan or use it to lower premium.