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Obamacare
The Trump administration's Justice dept. has filed a brief in Federal Court asking that the whole of Obamacare be struck down as unconstitutional. Although they are unlikely to be successful, if they were, it would be a major upending of healthcare in America. Gone would be protections for those with pre-existing conditions, plans would no longer offer things like maternity coverage, mental health, and wellness benefits. Also, Medicaid expansion would be stricken which now covers people in 33 states. And, without a plan to replace Obamacare, insurance coverage to over 200 million Americans would be disrupted.
SHORT TERM HEALTH INSURANCE
United healthcare has rolled out a new short term health insurance plan that can be issued up to three years. The plan will feature three one year period of coverage and pre-existing conditions would be covered after the first year. The plan will be available in Florida on April 26th and coverage can be issued after that.
Health Insurance Scams
Several new health insurance scams are popping up and it is important to be aware of them. The first is a robocall claiming that there is a new special enrollment going on and you can enroll in health insurance during this time. The second scam claims that a new association plan has been approved in Florida for employers and employees, neither of these claims are true. First, there is no new special enrollment, the annual open enrollment for health insurance begins on Nov. 1st and this is the only time that individuals can enroll in a permanent health insurance plan [...]
Cigna To Offer Health Plans In Florida
Cigna has announced that they will be offering health insurance in all Florida counties starting Jan. 1st 2019 Although their plans will be offered off of the exchange, it is a new option for those who do not qualify for a subsidy to help cover their monthly premiums. This is further proof that despite efforts to destroy it, the individual health market is alive and well.
Group Health Down To Two Lives
Did you know that a group health insurance plan can be issued on groups down to to lives. Also, they can be written on corporations sole proprietors, non-profits, and an LLC. and they can be issued at anytime of the year. Like Obamacare group plans are guaranteed issue with no preexisting conditions limitations and there are many more choices than Obamacare
Congreve To Take Up Obamacare Repeal
Reportedly Congress will attempt to once again to repeal Obamacare this summer. Already Congress's and the Trump administration actions are expected to drive up health insurance premiums 15 to 20 percent at open enrollment this year. If Congress is able to repeal Obamacare or even parts of it with no plan to replace, the affects on the health insurance market could be catastrophic. Hopefully once again, cooler heads will win out.
Congressional Actions To Drive Up Obamacare Premiums
Congress was unable to agree to a bill that would repeal Obamacare but they took several steps in an attempt and weaken it. One Action was to add an amendment to the tax bill that repealed the individual mandate that individuals stay covered by health insurance. This move is expected to cause 3 to 4 million young healthy people to drop their health insurance which will cause the remaining insurance pool to get older and sicker. If this happens, premiums are expected to rise by 15 to 20 percent. For those who receive a tax subsidy to help pay their [...]
Short Term Medical – the Affordable Obamacare Alternative
If you are currently are not covered by health insurance or struggling with the high cost of Obamacare, short term medical insurance maybe the answer. Short term medical plans are just like regular health insurance plans except they are purchased for a block of time, one day, one month, or a whole year. They offer all the same benefits as regular health insurance but because they are temporary they tend to be much cheaper. Also, you can apply anytime of the year and after answering a few short health questions, your coverage could start the very next day. Get a [...]