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When Should I Sign Up For Medicare?

If you are turning 65 or you are 65 + and retiring from your place of employment and losing your group coverage, you have 90 days prior to the qualifying event (e.g. your birthday or the date of losing your coverage) and 90 days after the qualifying event to sign up for either a Medicare

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The Truth About The Repeal And Replacement of ObamaCare: What Will Really Happen

Using the budget resolution process, Republicans will move forward with the four committees that control healthcare policy:  two in the Senate and two in the House.  This process requires only 51 senators to be present and vote, therefore eliminating the Democrat minority ability to block the repeal.  The repeal will begin in the form of

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Where Have All The Insurance Carriers Gone On The Exchange For ObamaCare?

Where have all the insurance carriers gone on the Exchange for ObamaCare?! Remember, when the ACA/Affordable Care Act (also known as ObamaCare) was passed, we were all told how it would save us money, lower costs and ensure coverage for all.  Well, not really.  Costs for coverage have skyrocketed even if you have a government

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A Millennial’s ObamaCare Lament

Only 28 percent of millennials are enrolling in ObmaCare.  Why?  Could it be the cost of coverage versus the $695 penalty?  In The Wall Street Journal article below you will get a clear understanding of why millennials aren’t enrolling and its impact on the cost of health insurance for everyone else. By DAVID BARNES Sept.

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Aetna’s ObamaCare Shock

You can expect sticker shock this year if you’re renewing an ACA ObamaCare plan.  The Wall Street Journal article below explains why insurance carriers are going to be raising premiums and pulling out of the marketplace.  It’s not a pretty picture. Health insurers have been taking a financial beating for the ages on ObamaCare, but

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Happy Days Are Here Again: Medicare Open Enrollment Begins October 15

It’s almost that happy time again for those of us who are chronologically challenged.  October 15 begins that golden period of open enrollment for Medicare Advantage plans across the country.  If you have Medicare Part A and Part B, then you can qualify for one of these typically low cost or zero premium plans available

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What the 2016 Election Means to Your Health Insurance–Part 1–Democrats

On November 8, we go to the polls to vote for a new president.  Will it be Hillary Clinton or Donald Trump?  And what will happen to ObamaCare when either Hillary or Donald is elected President of the United States?  Let’s look at the Democrat platform first and see what the party is proposing as

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Start Saving With An HSA

When you are thinking about which insurance plan to enroll in this year, you should consider a Health Savings Account (HSA) compatible plan.  Health savings accounts allow you to contribute money tax fee; the money grows tax fee; and the money is withdrawn tax free if spent on eligible medical costs.  You can use the

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2016 Obamacare Updates for Employers and Individuals

Here are the 2016 Obamacare updates that you need to be aware of if you’re offering benefits to your employees.  If you’re an employer with a fully-insured plan, you can expect costs to continually increase for 2016-2017.  Alternatives are now being offered through level premium partially self-funded plans, captive plans, and standalone self-funded plans that

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Open Enrollment for ObamaCare/ACA Runs Through January 31. You Can Still Get Coverage Now!

November begins the open enrollment season for ObamaCare under the Affordable Care Act (ACA).  That means you have from November 1 to January 31 to sign up for a health insurance policy if you don’t have one, or if you want to change your coverage from the plan you had last year, or if you

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