The Future of Obamacare with a Trump White House

By |2017-02-01T12:08:41+00:00February 1st, 2017|Categories: Blog and News|Tags: , |

With the pending change of leadership in the White House consumers, media, healthcare professionals, and health insurers have many questions about the future of Obamacare. Their questions are timely as the open enrollment period for 2017 coverage under the Affordable Care Act draws to a close December 15th.

During President-Elect Trump’s campaign he was clear in his intent to repeal the Affordable Care Act. Since being elected his message has changed a bit, recently stating that he intends to keep some of the components of the plan. According to an interview with the President-Elect on 60 Minutes, Trump wants the revised Act to “force insurers to cover people with pre-existing health conditions and allow parents to cover children under their plan into their mid-20s.”

President-Elect Trump has tapped Tom Price as his health and human services secretary. Price is an U.S. Representative and orthopedic surgeon from Georgia. According to a recent New York Times article, each year for the past six, including while Democrats were still working on the plan, Price “has introduced bills offering a detailed, comprehensive replacement plan.” Further, Reuters reports, “Price’s plan would also roll back the 2010 law’s expansion of Medicaid for low-income people, a change that helped Obamacare cut the number of uninsured Americans to 29 million in 2015 from 49 million in 2010.” His plan “endorsed converting Medicare from a program that covers set benefits to a voucher-style program to help people buy coverage.”

Please contact us for more information or assistance finding the healthcare coverage you and your family need.

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Benefits of Obamacare (ACA)

By |2016-05-25T12:41:16+00:00May 25th, 2016|Categories: Blog and News|Tags: , |

The Affordable Care Act ( ACA ), also known as Obamacare, is an act that was established to protect consumers from insurance companies that were able to restrict care or increase costs of health care. Obamacare was signed into law in 2010. The main goal of this act was to provide affordable insurance to all people who live in America. There are millions of people who have benefited by receiving insurance coverage through Obamacare. Many of these people were disabled or unemployed. There are many benefits that Obamacare provides for Americans.

The number of Americans who have health insurance has increased since 2010.

Within the first five years of Obamacare being established, more than 16 million Americans obtained health insurance. The majority of these people are young adults.

Obamacare ( ACA ) Made Health Insurance More Affordable.

For a lot of people, health insurance was a lot easier to obtain under Obamacare. Insurance companies are required to spend at least 80 percent of insurance premiums on medical improvements and medical care. Although health insurance is not free, Obamacare did give people a wide range of coverage options to choose from.

Obamacare ( ACA ) Reduced Prescription Drug Costs.

Many people are not able to afford the prescription drugs they need. Obamacare promised to make prescription drugs more affordable. The number of generic and prescription drugs that Obamacare covers is growing significantly each year. The savings on prescription drugs within the first five years of Obamacare was approximately $15 million.

Obamacare is an act that ultimately provides more affordable health care to American citizens. For more information about how Obamacare can benefit you, contact us.

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Am I Eligible for Obamacare?

By |2016-05-04T01:35:48+00:00May 4th, 2016|Categories: Blog and News|Tags: |

Getting good insurance coverage can be frustrating. Premiums are high, many plans are complicated or unclear, and the benefits depend on income level or even which state you live in. You may be asking yourself, “Am I eligible for Obamacare?”

The Affordable Care Act (ACA), a law also known as Obamacare, created a system  which allows Americans to seek out and sign up for insurance individually. All Americans are allowed to access this. The main way to access this system is by going here to find more information.

For those who are not U.S. citizens or U.S. nationals, a full list of immigration statuses that make someone eligible to use the ACA (Obamacare) can be found here.

Obamacare can be used instead of the traditional choices of either being tied to an employer’s insurance plan, or for seniors, using Medicare. The ACA is not an insurance plan by itself, but instead directs people to browse a variety of options for their insurance coverage. The plans available vary by state, and can include Medicare, Medicaid, private insurance companies like Florida Blue, or sometimes a private/public partnership. The plans also vary depending on you or your family’s income level.

If you have pre-existing conditions, you are still eligible to use the ACA’s system to find insurance and cannot be denied coverage because of those conditions.

If you have further questions, please feel free to contact us.  We can help talk you through the process of choosing and signing up for an insurance plan which will work for you and your family.

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How to Tell if You are Eligible for Obamacare (the ACA)

By |2016-04-26T01:31:26+00:00April 26th, 2016|Categories: Blog and News|Tags: , , |

The Affordable Care Act, known colloquially as Obamacare, offers US Citizens and residents the chance to buy health insurance through a regulated marketplace. It also offers subsidized premiums to individuals and families with low to moderate incomes.

The most basic requirement access to the healthcare marketplace is that you live in the United States. You can be either a citizen or an immigrant who is in the country legally.

Access to premium subsidies is one of the biggest benefits of Obamacare. Here are some of the requirements for subsidies:

Your Employer Does Not Offer Affordable Health Insurance

Individuals whose employers offer affordable health insurance are expected to use it rather than buying insurance on from the Marketplace. A plan is considered “affordable” if the employee’s cost is less than 9.66% of their income. If your employer offers insurance, you receive some benefit from the fact that your plan is tax-deductible.

You Have Some Income

Persons who have no income or income below 138% of the Federal Poverty Guideline can use Medicaid if they live in a state that adopted the Medicaid Expansion.

You Don’t Have Too Much Income

Persons whose income is more than 400% of the Federal Poverty Guideline must pay for insurance themselves, without a subsidy. In 2016, the limit for a single individual is $47,080. The limit for a family of 6 is $130,280. Subsidies are based on your modified AGI, so people who put money into a 401k or other tax-deductible savings vehicle can make more and still qualify for subsidies.

The information above provides a short overview of the requirements for Obamacare eligibility. In addition to the information above, there are many exceptions and special conditions. If you need help determining your eligibility for Obamacare or subsidies, please contact us.

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The Good News About Your Eligibility for Obamacare

By |2016-04-05T08:29:33+00:00April 5th, 2016|Categories: Blog and News|Tags: , |

The overriding and continuing goal of Obamacare is to enact health care reform that makes affordable health insurance available to every United States citizen regardless of pre-existing health conditions. The simplicity of this goal has been obscured by some of the controversies that continue to surround it, but those controversies have no bearing on determining if you are eligible for Obamacare. Different sides of the political spectrum might give you different answers, but at the end of the day, the most likely answer will be a resounding “yes”.

The very good news is that Obamacare was designed to help millennials and people who are new to the job force to get or keep low-cost health insurance. For example, under Obamacare, a parent’s health insurance will continue to cover children until those children are 26 years old. A young adult who has health insurance under a parent’s health plan can graduate from college, begin an entry-level job, and establish his or her own living situation without having to worry about paying for health insurance.

For people who do want to purchase their own insurance, Obamacare establishes a network of insurance co-operatives and exchanges that offer several health insurance alternatives to all individuals who want health insurance coverage. These cooperatives and exchanges will help you to select the best plan for you from a number of alternatives. The alternatives that are available to you will vary from state to state. Your Obamacare enrollment specialists will help you select the best plan that fits your particular situation.

Some of the early criticisms of Obamacare have focused on the system’s failure to achieve the ambitious early goals that it established for itself. These failures are beginning to correct themselves as individuals become better educated about the benefits that Obamacare holds in store for them. For example, your health insurance premiums will be independent of your health status. Previously, if you had a prior illness or adverse health condition, your health insurance premiums would likely have been all but unaffordable. By creating a significantly larger pool of covered individuals, Obamacare has spread out these risks and equalized premiums for a great majority of enrollees.

Notwithstanding these benefits, Obamacare is still a work in progress. Please contact us if you are confused or if you have any questions about your eligibility for Obamacare health insurance coverage. We can provide the guidance you need to get the best insurance possible.

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How to Know if You Are Eligible for Obamacare

By |2016-03-08T14:24:32+00:00March 8th, 2016|Categories: Blog and News|Tags: , |

Sorting through insurance policies can sometimes feel like you are trying to navigate murky waters. There are restrictions, fine print, and varying prices and levels of coverage. How can you tell if you are eligible for Obamacare? Here are a few tips to help you know where you stand:

  • If you do not have insurance through an employer, and you are not a senior on Medicare, you can sign up for Obamacare to get insurance coverage. If you fall in one of the two above-mentioned categories, you won’t have to worry about anything because your insurance requirements will be met through your employer or Medicare.
  • If you do need to find out if you are eligible for Obamacare, and you are in a low-income household, there are tax credits that you can apply for. To qualify for these credits, your income level must fall between one and four times the Federal Poverty Level.
  • There are four levels of coverage to be eligible for Obamacare. The first is Bronze, the second is Silver, the third is Gold, and the fourth and final tier is Platinum. While the Bronze plan has the lowest premium cost, it will only cover 60% of your medical expenses. The Platinum plan has the highest premium cost, but it will cover 90% of your medical expenses.

If you have any remaining questions about being eligible for Obamacare, you are welcome to contact us and let us know. We will gladly discuss the details of this program with you and help you decide which plan may best suit your needs and situation.

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Affordable Health Insurance Quotes: Finding Better Insurance at Any Age

By |2015-11-28T12:45:54+00:00November 28th, 2015|Categories: Blog and News|Tags: , , |

Finding affordable health insurance quotes is probably on your mind lately after realizing you need to get insured this year. With Obamacare requiring you get insured, it’s worth keeping in mind many plans within that construct are very affordable. Here at National Health Insurance Agencies, we offer our own Florida Blue plans to help you acquire affordable insurance at any age. We can help you find affordable health insurance quotes for your situation.

With so much unpredictability in the health care industry, you probably prefer finding a plan that helps give you more predictable premiums and other fees. No doubt you’re tired of relying on health plans adding unnecessary fees and raising costs just because you’re getting older.

You shouldn’t have to pay more for health insurance just because you’re over a certain age. We know how frustrating this is and provide plans that not only help you when young, but also finding Medicare supplements when you’re over 65.

We’ll give you an immediate quote on many of our plans suitable for groups, individuals, families, and those who need more specialized care.

Quotes on Group Plans

Through our BlueOptions, BlueCare, and BlueSelect plans, you have various options for group plans that you won’t find many other places. This includes the guarantee your workforce has affordable premiums at all times without sudden increases.

If your employees frequently complain about sudden co-pays raises, you can ease their worries with our group plans. With these plans additionally compatible with HSA accounts, you’ll have employees who can know exactly what they’ll pay before having any medical work done.

Quotes on Individual and Family Plans

We’ll give you a quote on many of our individual and family plans that fall under the same Blue names mentioned above. They offer many of the same services, including additional benefits like dental care. You’ll even find supplemental plans giving you medical coverage with no medical questions asked.

It’s rare to find these in the time we’re living in. We’re here to answer any questions about them through our GoBlue and FamilyBlue options.

Medicare Supplemental Plans

Wouldn’t it be great to have a medical plan in your old age that doesn’t constantly raise your premiums? Many of our Medicare supplemental plans guarantee this, including ways to completely replace your Medicare coverage.

We offer this through our BlueMedicare moniker with either supplemental or advantage plans. Many of them give you more health care freedom, including better choice of doctors, plus excellent prescription drug coverage.

Quotes on Hospital Insurance

Did you know you can get a stand-alone insurance that helps pay for hospital stays? These plans pay supplemental benefits when you have to stay in the hospital for a considerable amount of time. With many affordable premiums, it’s a service capable of cutting down on medical expenses exponentially when long stays become a requirement due to specific illnesses.

Contact us here at National Health Insurance Agencies to get your quote for our insurance plans and find out how affordable health insurance can still be.

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Am I Eligible for Obamacare? What to Know, Including Open Enrollment and Penalties

By |2015-11-21T12:44:20+00:00November 21st, 2015|Categories: Blog and News|Tags: |

The complications of health insurance are still out there, and perhaps you’ve decided to finally get insurance after putting it off for a while due to your income. Obamacare is still there for you, and there isn’t any more essential time to get it than now. No doubt you had to pay a penalty on your taxes last year if you didn’t have Obamacare. Currently, that’s 2% of your annual income, even though you do have exemptions.

With that, you’re probably pondering the question: Am I eligible for Obamacare? It all depends on certain circumstances involving citizenship, plus specific incidents occurring in your life.

Income doesn’t factor into the picture, and some states offer more affordable (if not free) health care services if you have an overly low income. Nevertheless, the savings on your premiums are quite exponential with Obamacare. Take a look and see if you’re in line to enjoy the benefits of a full health plan for 2016.

American Citizenship

As you might guess, if you don’t live in the United States, you’re not eligible for Obamacare. You need full citizenship, or at least be lawfully present. Things work slightly differently if you live overseas part of the year. The rule is that if you live in a foreign country for at least 330 days of the year, you don’t have to acquire Obamacare if you don’t want it.

What’s important for you to know is, if you do need insurance, you can still get Obamacare if you live in another country part of the time.

Those Incarcerated Aren’t Eligible

Having a criminal record doesn’t necessarily mean you’re banned from obtaining Obamacare. The only stipulation is that you can’t sign up if you’re currently incarcerated in prison. However, you’re eligible for insurance after you’re released. According to HealthCare.gov, you’ll have 60 days to sign up for health insurance after being released from incarceration.

You’re also exempt from paying any penalty for not having Obamacare during the time your incarceration took place.

Dealing with Obamacare Penalties

For any reason that you have to drop your health insurance through Obamacare during the coming year, you’ll still have to pay a penalty. While a “no coverage” penalty during the entire year means 2% of income, you only pay 1/12 of the yearly penalty fee for each month you’re not covered.

As mentioned earlier, you do have exemptions due to specific life events. Some of these include job loss, or loss of income due to caring for an ill family member.

Contact us here at National Health Insurance Agencies to find out more information about Obamacare and how to get insured to keep your family’s health strong.

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Survey Shows Patient Concern About Prescription Coverage Under Obamacare

By |2015-10-03T17:10:05+00:00October 3rd, 2015|Categories: Blog and News|Tags: , , |

Many of the concerns that patients have with health care involve the cost of their medication. The Affordable Care Act made prescription drugs one of the essential health benefits that health insurance must cover, and also takes away the ability for insurers to add on a separate prescription drug benefit plan to health insurance plans for an additional cost. But many Americans want more done to rein in the cost of prescription drugs. A new poll from the nonpartisan Kaiser Family Foundation found that 72 percent of poll respondents say that the cost of prescription drugs is still too high. Those concerns make it important for patients to better understand prescription coverage under Obamacare.

According to the Kaiser survey results, more than half of respondents say they currently take a prescription drug and 72 percent of them say that their medicines are “very or somewhat easy to afford.” But 24 percent of respondents say that paying for prescription drugs is difficult, and those difficulties are compounded by financial challenges, expensive diseases, and the fact that many people are taking more than one prescription drug. Here are some highlights of the financial concerns surrounding prescription drugs:

  • 86 percent of respondents support requiring that drug companies be transparent about how they determine drug prices
  • 83 percent support allowing the government to negotiate with pharma companies on Medicare drug prices
  • 76 percent support limiting how much pharmas can charge for expensive diseases, such as hepatitis and cancer
  • 72 percent support allowing Americans to purchase less expensive prescription drugs from Canada.

The Center for American Progress, a research organization, told The Associated Press that it will be difficult to translate the public sentiment about high prescription drug prices into new policy without creating new problems.

“To arbitrarily limit the price of drugs without regard to benefit or value would not be wise, the Center’s Topher Spirol told The AP, adding that more transparency about drug pricing would be needed, as well as more research about drug efficacy.

Obamacare does require insurance plans to cover at least one drug in each category and class from the official list of approved medicines, meaning that patients with a particular disease will be covered for at least one drug. If a drug isn’t covered, patients and their doctors can request coverage when appropriate, The Washington Post explains. But the out-of-pocket cost of a drug can vary depending on the plan. Generally speaking, the lowest tier, bronze, will require patients to pay more of a drug’s out-of-pocket costs while the more expensive platinum plans will require patients to pay less additional costs for their medicines. But regardless of the plan, any out-of-pocket patient payments for prescription drugs count toward overall caps on medical expenses. To learn more about drug prices and prescription drug coverage, contact us.

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This Is A Custom Widget

This Sliding Bar can be switched on or off in theme options, and can take any widget you throw at it or even fill it with your custom HTML Code. Its perfect for grabbing the attention of your viewers. Choose between 1, 2, 3 or 4 columns, set the background color, widget divider color, activate transparency, a top border or fully disable it on desktop and mobile.

This Is A Custom Widget

This Sliding Bar can be switched on or off in theme options, and can take any widget you throw at it or even fill it with your custom HTML Code. Its perfect for grabbing the attention of your viewers. Choose between 1, 2, 3 or 4 columns, set the background color, widget divider color, activate transparency, a top border or fully disable it on desktop and mobile.