Enrolled Agent-licensed to practice before the IRS, Samuel N Smith, EA, South Carolina
ObamaCare insurance has imploded from the premiums being so high the public has rejected it and then the adminstration is so incompetent that taxpayers has been stuck with a $600 million bill for "services rendered and the site is so poorly constructed it does not function.
Now all the concern is starting to shift to the insurance companies that spent millions trying to get ready ready to meet this "Edsel" requirements and now they are being told they must leave the insurance policies in force. Will our health insurance industry ever be the same again?
Social Media Strategist, Disability Insurance Services, California
You can visit https://www.healthcare.gov/ to learn more about and/or apply for coverage through the Affordable Care Act (Obamacare). However, due to issues with their website, you cannot use the site from 1 a.m. to 5 a.m. EST while they work on the kinks. You can also apply by phone 24/7 at 1-800-318-2596.
Obama Care is working well in California. Go to www.coveredca.com to get started on a quote. The new law has made insurance much less expensive if you have a preexisting condition (like cancer or diabetes) or if you qualify for income assistance. People who earn less than $48,000 per year may be eligible for premium assistance. In this video https://www.youtube.com/watch?v=BZ2JufO9yOg I show you an example of a 30 year old who earns $25,000 per year who can get the Bronze level plan for $18 per month.
Obamacare was intended to help Americans who could not previously afford health insurance get insured. People with bad health (heart disease, obesity, cancer) often were denied coverage or charged a very high premium. Now these folks are charged the same rate as everyone else. People with low income were often priced out of the insurance market as well. It was not reasonable to expect a person making $25,000 a year to spend 15% of their income on health insurance. Under ObamaCare people making under $48,000 per year are eligible for premium assistance.
https://www.youtube.com/watch?v=BZ2JufO9yOg - In this video I show you how a 30 year old earning $25,000 per year can get a policy for just $18 per month.
President | Founder, CLM Insurance Group, Delray Beach, FL
Obamacare is available to all American during open enrollment or special enrollment periods. Many applicants will qualify for advanced premium tax credits while others will pay full price for their selected insurance. Regardless, if you want a plan and have the means to pay for it you simply have to enroll.
Owner, Best Health And Car Insurance Rates - Instant Online Quotes, US
Obamacare health insurance is available as a result of the Affordable Care Act legislation. To secure the lowest rates available in your state, Exchanges (Marketplaces) have been created that allow the easy application and enrollment for consumers. Four "metal" plans and a catastrophic tier are offered.
Our job, as experienced brokers, is to utilize our knowledge of available plans and our top-rated websites, to show customers the best options. Consumers are frustrated by the .gov website and the unbiased recommendations (and free assistance) provided by brokers is unmatched.
During Open Enrollment, pre-existing conditions are covered and a federal tax subsidy may be available. However, if you miss Open Enrollment, special qualified events allow the purchase of coverage.
Also, cheap short-term plans (that are not ACA-compliant) may be available at very inexpensive prices. These plans do not cover pre-existing conditions but may be the best option in many circumstances.
Government ads will all point you to the official exchange to purchase Obamacare, suggesting you use a navigator to answer any questions you may have. I highly recommend seeking the guidance of an independent insurance agent, one who is licensed and certified to sell on your state exchange. The cost to you will be exactly the same, but you will be able to receive expert advice from someone who understand how insurance truly works, and can explain what it means to you, something no navigator is legally allowed to do.
Obamacare health insurance may be obtained through healthcare.gov. For 2015, the Obamacare open enrollment begins November 15, 2014 and ends February 15, 2015. I would highly suggest seeking out a health insurance agent who is licensed and appointed with all OBamacare plans offered in your state. Independent agents may also have access to private exchange enrollment pathways which help speed up the enrollment process.
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Now all the concern is starting to shift to the insurance companies that spent millions trying to get ready ready to meet this "Edsel" requirements and now they are being told they must leave the insurance policies in force. Will our health insurance industry ever be the same again?
Obamacare was intended to help Americans who could not previously afford health insurance get insured. People with bad health (heart disease, obesity, cancer) often were denied coverage or charged a very high premium. Now these folks are charged the same rate as everyone else. People with low income were often priced out of the insurance market as well. It was not reasonable to expect a person making $25,000 a year to spend 15% of their income on health insurance. Under ObamaCare people making under $48,000 per year are eligible for premium assistance.
https://www.youtube.com/watch?v=BZ2JufO9yOg - In this video I show you how a 30 year old earning $25,000 per year can get a policy for just $18 per month.
Our job, as experienced brokers, is to utilize our knowledge of available plans and our top-rated websites, to show customers the best options. Consumers are frustrated by the .gov website and the unbiased recommendations (and free assistance) provided by brokers is unmatched.
During Open Enrollment, pre-existing conditions are covered and a federal tax subsidy may be available. However, if you miss Open Enrollment, special qualified events allow the purchase of coverage.
Also, cheap short-term plans (that are not ACA-compliant) may be available at very inexpensive prices. These plans do not cover pre-existing conditions but may be the best option in many circumstances.