Affordable Care Act Information


What Does it Cost to have a Baby in a Hospital?

What Does it Cost to have a Baby in a Hospital?

Nearly 4 million women in the United States will give birth annually and in 2020 alone, approximately one in nine U.S. women of childbearing age was uninsured. If you are insured, the cost of having a baby will require you to first meet your insurance’s deductible,...
Does Insurance Cover Abortions?

Does Insurance Cover Abortions?

Due to the recent leak of a draft supreme court ruling with the potential to overturn Roe V. Wade, many Americans have questions regarding current and future abortion protections in the United States. One such common question is whether insurance even covers the cost...
Will my Health Insurance Cover Therapy?

Will my Health Insurance Cover Therapy?

According to NAMI, the National Alliance on Mental Illness, an estimated one out of five U.S. adults experience a mental health issue every year. However, many of those afflicted do not seek help for their problems due to a litany of reasons, such as the stigma...
Millions at Risk to Lose Health Insurance as Pandemic Ends

Millions at Risk to Lose Health Insurance as Pandemic Ends

A recent CNN.com article detailed the recent successes of the Affordable Care Act (ACA) as well as the approaching risk of losing coverage for many of those success stories due to the end of the pandemic’s national public health emergency. Under the current...
Moving? What a Change in Residence Means for Your Health Insurance

Moving? What a Change in Residence Means for Your Health Insurance

While the 2022 Open Enrollment window for the Affordable Care Act (ACA) ended at the beginning of the year, don’t fret if you haven’t gotten cheap health insurance coverage! We are currently in the Special Enrollment Period (SEP), which allows certain triggering...
Do I Need & am I eligible for a Second Covid-19 Booster Shot?

Do I Need & am I eligible for a Second Covid-19 Booster Shot?

Even if you are fully vaccinated against COVID-19, your immunity to COVID reduces over time. Booster shots are needed to maintain your resistance to infection and reduce the chances of the more severe consequences that might lead to hospitalization. The word “viral”...
Am I or Someone I Love, an Alcoholic?

Am I or Someone I Love, an Alcoholic?

Most people in America consume alcohol periodically, more than 85 percent in fact. Occasional use of alcohol is not necessarily harmful. Some doctors claim that small quantities of alcohol add to the beneficial effect of a good diet in reducing the incidence of heart...
What is Alopecia? (Hair Loss)

What is Alopecia? (Hair Loss)

For many, the pop-culture debate regarding the slap heard round the world at this weekend’s Academy Awards ceremony has resulted in more questions than answers. Today we will get down to the root of one of those questions; just what is alopecia anyway? Alopecia is the...
Understanding Developmental Disabilities in Children

Understanding Developmental Disabilities in Children

Anyone considering starting a family, expecting a child currently, or just watching their current children grow will at some point worry about any possible developmental disabilities present in their child. But just what are developmental disabilities? This is...
Kidney Health During Kidney Month

Kidney Health During Kidney Month

March is National Kidney Month, but one should be aware of kidney disease year-round. But just what is chronic kidney disease? Thirty-seven million Americans suffer from chronic kidney disease, and millions more are at risk to join them, so the problem is more common...
Thyroid Disease Awareness

Thyroid Disease Awareness

Did you know that approximately 20 million Americans are affected by some type of thyroid disease? But just what is the thyroid, and why does it matter? The thyroid is a butterfly-shaped endocrine gland in your neck just above your collarbone, wrapped around your...
Stay Heart Healthy for American Heart Month

Stay Heart Healthy for American Heart Month

February is American Heart Month. But just what is the difference between a heart attack, heart failure, stroke, and how are they affected by conditions such as heart disease and high blood pressure? Stoke and cardiac arrest (also known as a heart attack) are acute...
Five Things You Can Get Free From the U.S. Federal Government

Five Things You Can Get Free From the U.S. Federal Government

We all pay taxes, and we all resent it. So often, it seems like we get nothing tangible in return. Still, there are many things you can get free of charge from the federal government, here are just a few: 1) Cell Phone – Recognizing that cells phones are essential for...
How to Get Free COVID-19 Tests and Masks

How to Get Free COVID-19 Tests and Masks

With the recent surge of the fast-spreading Omicron-variant of COVID-19, it seems like every pharmacy you visit is out of tests, and every in-house testing facility features long lines and even longer waits for results. That is why the U.S. government has introduced...
Cancer Awareness, Detection, and Prevention

Cancer Awareness, Detection, and Prevention

Cancer Awareness Most people know the effects of cancer, regardless of the type, on an individual and their family. Studies have found there is a 40 percent chance of developing cancer among men during their lifetime. This statistic likely does not surprise you. It...
Congenital Disability (Birth Defect) Prevention

Congenital Disability (Birth Defect) Prevention

Not all congenital disabilities (once referred to as birth defects) can be prevented. Still, risks can be reduced by making good choices before and during pregnancy, increasing the likelihood of having a healthy baby. Identifying Congenital Disabilities By using...
Five Ways to Get Healthy in the New Year

Five Ways to Get Healthy in the New Year

Have you ever seen a list of ways to get healthy in the New Year? Bet you have. There are lots of them. Most of them will tell you to start a new trendy and complicated diet, start working out every day, or otherwise completely change your life. This will be a...
Maximizing Your Annual Health Insurance Plan Deductible

Maximizing Your Annual Health Insurance Plan Deductible

Like all forms of insurance, health insurance is designed to protect you from the unexpected. Very few of us can afford the high costs of medical interventions resulting from chronic illnesses or severe accidental injury. But unlike other forms of insurance,...
Omicron Variant of COVID-19 Enters the U.S.

Omicron Variant of COVID-19 Enters the U.S.

The New York Times has recently reported the first-ever case of the COVID-19 omicron variant in the United States, according to the Centers for Disease Control and Prevention (CDC), on December 1, 2021. Coincidentally on World AIDS Day, a...
The Fight to Hold on to ACA Enhancements in Congress

The Fight to Hold on to ACA Enhancements in Congress

A recent CNN report detailed the current Congressional battle to hang onto temporary enhancements made to premium healthcare subsidies by the American Rescue Plan (ARPA). These additions to the Affordable Care Act (ACA) allowed an additional nearly 3 million people to...
The 1, 2, 3 Open Enrollment Renewal Process

The 1, 2, 3 Open Enrollment Renewal Process

As we approach the Affordable Care Act’s Open Enrollment period from November 1, 2021, through January 15, 2022, for 2022 plan year coverage, you are hopefully thinking about renewing your policy and any potential changes to be made to...
Are my health insurance premiums tax-deductible?

Are my health insurance premiums tax-deductible?

A simple question? -YES A simple answer NO? We explain who is eligible and how much you can claim. First, let’s briefly consider the purpose of health insurance and secondly the reason why since 2010, the federal government, through the Affordable Care Act...
Getting Infertility Coverage through the ACA Extension

Getting Infertility Coverage through the ACA Extension

As of mid-July, more than 2 million Americans have signed up for health insurance coverage under the Affordable Care Act’s special enrollment period that the Biden administration put into place because of COVID-19. Illinois operates a partnership exchange with...
Congress must Extend ARPA Benefits to keep Premiums affordable.

Congress must Extend ARPA Benefits to keep Premiums affordable.

Without Congressional action to extend the innovative tax credits implemented as part of the American Rescue Plan Act (ARPA), 2023 consumer healthcare costs could skyrocket. The ARP Act signed in March 2021 A significant part of the ARPA benefits is the temporary...
ACA Insurance Marketplace Reopens Feb 15th – August 15th 2021.

ACA Insurance Marketplace Reopens Feb 15th – August 15th 2021.

January 28th, 2021: President Biden reopens ACA insurance marketplace In a Thursday morning call, a Biden White House official touted today’s executive actions on health care, telling reporters, “In basic terms, what that means is that starting in just two...
Special Enrollment Period & Coronavirus: What It Means for You

Special Enrollment Period & Coronavirus: What It Means for You

If you lose your employer-sponsored coverage because of a change in job during the COVID-19 pandemic — or if you can’t cover premiums for marketplace coverage because of an income loss — you might have some options. Find out more about how special enrollment...
ACA Open enrollment guide-How long it takes to enroll?

ACA Open enrollment guide-How long it takes to enroll?

Open enrollment only lasts about two months each year, give or take — it can be longer or shorter, depending on which state you live in. But even six weeks is more than enough time to compare plans, as well as apply and sign up for health insurance. Preparing ahead of...
Health Care for African Americans

Health Care for African Americans

Almost 44 million American citizens are Black or African American, making up 13.4% of the U.S. population. This demographic experiences a long-standing and disproportionate burden regarding health and access to medical care in this country. And while the Affordable...
Can my ACA Health Insurance be cancelled?

Can my ACA Health Insurance be cancelled?

Can my ACA Health Insurance be cancelled? If you ask this question because your insurer has threatened to cancel your coverage, or you have reason to think that they might.  The short answer is YES. Many things can trigger the cancellation of your policy. ...
The Special Enrollment Period (SEP) Change in Residence

The Special Enrollment Period (SEP) Change in Residence

The Affordable Care Act (ACA) has a restricted enrollment period from January 1st until November 1st each year. It is an arbitrary rule for health insurance enrollment, but there is a way to get health insurance outside of this brief period if...
Making Sense: An Affordable Care Act Refresher & Quick Guide

Making Sense: An Affordable Care Act Refresher & Quick Guide

The Patient Protection and Affordable Care Act came into effect in 2010. Prior to the introduction of the act, insurers had the right to refuse individuals health coverage for any reason, effectively preventing many people from accessing the benefits of health...
Smoking and health insurance. All you need to know

Smoking and health insurance. All you need to know

Smoker or not, anyone applying for ACA-compliant health insurance (Obamacare) has to answer the question: Do you use tobacco? Does Smoking affect Health Insurance premium? For those who smoke cigarettes, cigars, a pipe, or chew tobacco, the answer is simple. For those...
What Happens if the Affordable Care Act is Repealed?

What Happens if the Affordable Care Act is Repealed?

For many Americans, the future of health insurance coverage is uncertain. The fate of nearly 20 million people could lie in the hands of just a few individuals: the nine Justices that make up the United States Supreme Court. Since his 2016 campaign, President Trump...
Special Enrollment Period-SEP: Qualify? Health Insurance

Special Enrollment Period-SEP: Qualify? Health Insurance

Health insurance plans which are compliant with the Affordable Care Act are intended to run from January 1st until December 31st without change. This rule is designed to make it impossible to change a plan in mid-year to cover additional risks or to avoid paying...
Special Enrollment Period-SEP: Qualify? Household Changes

Special Enrollment Period-SEP: Qualify? Household Changes

Health insurance plans which are compliant with the Affordable Care Act are intended to run from January 1st until December 31st without change. This rule is designed to make it impossible to change a plan in mid-year to cover additional risks or to avoid paying...
Can Elizabeth Warren really reduce health care costs?

Can Elizabeth Warren really reduce health care costs?

“and millions more Americans will have the choice to ditch their private insurance and enter a high-quality public plan” Elizabeth Warren (Warren for President, January 2020) Does Elizabeth Warren have a health care policy that can build on the Affordable Care Act...
Does President Trump really want to repeal the ACA (Obamacare)

Does President Trump really want to repeal the ACA (Obamacare)

When he introduced the 2020 federal budget President Trump re-emphasized his intention to repeal the Affordable Care Act, known more popularly to most of us as ‘Obamacare’. Perhaps that is the issue! Trump and Obamacare! The Affordable Care Act is irrevocably...
ACA Open Enrollment 2020 – take 15 minutes out to get covered

ACA Open Enrollment 2020 – take 15 minutes out to get covered

Enroll in an ACA compliant health insurance plan! WHY? To ensure that you and your loved ones have coverage in 2020 that takes advantage of state and government reliefs and subsidies to which they are entitled. All compliant coverage will protect you and your...
2020 ACA Open Enrollment: Health Plans w/ *STAR* Quality

2020 ACA Open Enrollment: Health Plans w/ *STAR* Quality

You don’t have much time left to enroll (open enrollment ends December 15th) but for 2020 CMS (Centers for Medicare and Medicaid Services) has moved to make your choices better informed. All Insurers (Carriers) are now required to display a ‘STAR RATING’ for any of...
ACA Open Enrollment 2020: Ends December 15th DON’T MISS OUT

ACA Open Enrollment 2020: Ends December 15th DON’T MISS OUT

Someone has to be last but don’t let it be you! Give yourself time to discuss your health insurance with experts. Learn how ACA (Obamacare) makes coverage for you and your dependents affordable.  In some cases, monthly premiums are entirely covered by tax...
ACA Enrollment: Premium Tax Relief & Cost-Sharing Subsidies

ACA Enrollment: Premium Tax Relief & Cost-Sharing Subsidies

Am I eligible?How much relief will I get?How do I claim the benefit?Who should I talk to? Let’s take these important questions in order Am I eligible for PREMIUM TAX RELIEF AND COST SHARING REDUCTIONS? Almost certainly! Well over 80% of people who enrolled through the...
ACA Open Enrollment 2020 – 5 tips to save money

ACA Open Enrollment 2020 – 5 tips to save money

Stop right now! There is no such thing! We will have to wait until next year to know what you might have done differently. What we CAN do right NOW is to work together to find the best value health insurance coverage in 2020, for you and your dependents, whether young...
ACA Open Enrollment 2020: 5 things not to do

ACA Open Enrollment 2020: 5 things not to do

Don’t enroll or renew without reading this article! (it could save you $thousands) You may be enrolling for the first time or renewing either as an individual or as a member of a group (employer) scheme.  The same rules apply. Focus on the future! Even if you...
THINK PINK. WEAR PINK. October is Breast Cancer Awareness Month.

THINK PINK. WEAR PINK. October is Breast Cancer Awareness Month.

The average lifetime risk of women developing breast cancer is ONE in EIGHT (12% of women). About 300,000 cases of breast cancer are diagnosed each year in the USA of which about 85% are successfully treated. Sadly, breast cancer is the most common form of cancer...
ACA Open Enrollment Guide How to choose THE BEST HEALTH PLAN?

ACA Open Enrollment Guide How to choose THE BEST HEALTH PLAN?

ACA Open Enrollment 2020 is between 1st Nov to 15th Dec. Contact your health exchange today to get enrol under affordable care act and get affordable health insurance Don’t kick the tires! ASK THE RIGHT QUESTIONS! The purpose of this article is to help both the...
Preventative Care Services: ACA Benefit Saves You Money

Preventative Care Services: ACA Benefit Saves You Money

Make sure that you and your dependents have theprotection they need. ACA Open Enrollment 2020 is from 1st Nov-15th Dec 2019 One of the underlying concepts of the Affordable Care Act is the certainty that prevention is better than cure. Early detection of a condition...
Special Enrollment Period: It’s not ACA Open Enrollment

Special Enrollment Period: It’s not ACA Open Enrollment

ACA ‘open enrollment’ runs from 1st November to December 15th for Health Insurance coverage for the year commencing January 1st 2020. You can only buy ACA-compliant insurance plans during this window. Read more about ACA open enrollment 2020 BUT there are some events...
Choosing Affordable Health Insurance that’s Right for You

Choosing Affordable Health Insurance that’s Right for You

For most individuals the first point of contact should be a health insurance exchange, Federal, State or Private.  Any of them will help you to navigate the choices in arriving at the best health plan for you from the top health insurance companies. ...
How do you answer question 4? Do you use Tobacco?

How do you answer question 4? Do you use Tobacco?

As open enrollment comes closer (November 1st)) and you need to contact your health insurance agent looking for your best health plan, you will be faced with four critical questions. Your age?Your location? (many states have different regulations) Do you need an...
¡Próximamente! Inscripción Abierta 2020 ACA: Seguro de Salud

¡Próximamente! Inscripción Abierta 2020 ACA: Seguro de Salud

¿Está preparado para recibir la mejor cobertura a un precio asequible? Lea a continuación para descubrir las diferentes opciones que tiene para ACA/Asistencia Obamacare ¡Bueno, amigos! Es hora de sacar su bolígrafo rojo y marcar sus calendarios. ¡Estas son las fechas...
Understand your medical bill

Understand your medical bill

Does it contain surprises? Who can you turn to? What to do next? First, we should admit that all medical care and treatment is expensive and is usually unplanned. It is the main reason for taking health insurance cover. Nevertheless, most insurances leave us with...
LOOKING FOR THE BEST HEALTH PLAN?

LOOKING FOR THE BEST HEALTH PLAN?

Don’t kick the tires! ASK THE RIGHT QUESTIONS! The purpose of this article is to help both the first-time buyer of a health plan and the seasoned enroller to find the best health plan to meet their needs. As we approach ‘open enrollment’ (November 1st to December...
Open Enrollment 2020 for ACA Health Insurance is Coming Soon!

Open Enrollment 2020 for ACA Health Insurance is Coming Soon!

Are you prepared to receive the best coverage at an affordable price? Read below to discover the different options you have for ACA/Obamacare Assistance. Read in Spanish Alright, folks! Time to get out your red pen and mark your calendars. These are the 2020 Health...
The Opioid Crisis: Epidemic Information and Getting Help

The Opioid Crisis: Epidemic Information and Getting Help

The recent, widely reported judgment in the case of Oklahoma vs Johnson and Johnson (which Johnson and Johnson says it plans to appeal) has thrown the problem of the ‘OPIOID CRISIS’ into sharp relief. This article is intended to broadcast both the benefits of opiate...
You missed open Enrollment? What Next?

You missed open Enrollment? What Next?

If you have enrolled into health insurance plans before, you will know that Open Enrollment runs from NOVEMBER 1ST TO DECEMBER 15th . Don’t leave it to the last moment, Now is the time to look at your expenditure last year, for you and your family’s health insurance...
Buying Cheap, High Quality Health Insurance in South Carolina

Buying Cheap, High Quality Health Insurance in South Carolina

As healthcare costs steadily climb, it can be difficult to find an affordable, high-quality health insurance provider in South Carolina. That’s why South Carolinians are more likely to be uninsured compared to the nationwide population. As many as 18% of...
Affordable & Cheap Health Insurance in Oklahoma

Affordable & Cheap Health Insurance in Oklahoma

Navigating the healthcare system in Oklahoma can be difficult. Finding affordable, high-quality insurance can seem like an even greater challenge. But luckily for consumers, the health insurance market in OK is changing. More providers are moving into the state and...
Finding Affordable Health Insurance in Texas

Finding Affordable Health Insurance in Texas

Healthcare costs in Texas have risen in the past few years, so it makes sense that Texas has one of the highest rates of uninsured people in the country, with almost 20% of people under 65 lacking healthcare. The numbers go up if you never finished high school—almost...
Turning 26? Then it’s time to get your own health insurance

Turning 26? Then it’s time to get your own health insurance

Whatever coverage you have now, you will be responsible for your own health insurance when you turn 26. The Patient Protection and Affordable Care Act (ACA or Obamacare) allows young adults to remain on their parents’ health insurance until they turn 26. If you have...
Desigualdades raciales y de bajos ingresos en el seguro médico

Desigualdades raciales y de bajos ingresos en el seguro médico

Read in English Siguen existiendo desigualdades raciales y de bajos ingresos para la asistencia médica familiar Aunque el porcentaje de estadounidenses sin seguro médico está muy por debajo de lo que era hace una década, ha aumentado desde finales del año 2016. Y...
When is ACA Health insurance Open enrollment 2020?

When is ACA Health insurance Open enrollment 2020?

Dates & Deadlines for 2020 Health Insurance Open Enrollment Health insurance open enrollment runs from November 1st to December 15th, for coverage commencing January 1st, 2020. November 1, 2019: Open Enrollment starts — the first day you can enroll,...
Low-income and racial disparities in health insurance

Low-income and racial disparities in health insurance

Read in Spanish Racial & low-income family healthcare disparities remain Although the percentage of Americans without health insurance is far below what it was a decade ago, it’s been rising since the end of 2016. And significant racial health disparities remain:...
Short Term Health Plans: Good Idea or Junk Insurance?

Short Term Health Plans: Good Idea or Junk Insurance?

The judgment recently handed down by Judge Richard Leon of the US District Court of Columbia upholds the regulations which allow the sale of ‘short term’ health insurance policies for periods up to 36 months. A decision, either way, would have had its critics. ...
Special Enrollment Period for ACA Health Insurance

Special Enrollment Period for ACA Health Insurance

Qualifying Life Events can help you get coverage during Special Enrollment Periods for ACA (Affordable care act) health insurance There are defined ‘lifetime events’ which ‘trigger’ a personal special enrollment period. This period is normally a 60-day window prior to...
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