Open Enrollment is closed, what is a special enrollment period (SEP)

Most people don’t realize what it means when you hear that the open enrollment for health insurance has ended for 2014.  Because of the new Affordable Care Act (ACA), basically if you are without insurance … in order to get…

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Are you too Poor for Obamacare?

Yes, you can be too poor or not make enough to qualify for a subsidy and apply for “Obamacare”.  If you are in a state that didn’t expand Medicaid, such as Texas, and you make less than $11,490 annual income…

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What if I need coverage that starts before January 2014?

You can buy individual insurance that starts before January 1, 2014. We can help you find your options. Please note, since the ACA (Affordable Care Act) doesn’t take place until January 1, some rights and benefits won’t apply yet. You…

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What are the Obamacare Plan Benefits?

Well let me first say, “Obama” nor the government has created “plans”. They passed a law that said the insurance company had to create plans that had the following features and they were going to “regulate” them to make sure…

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What did the Health Care Law do for you?

Whether you agree or disagree with the new ACA law taking effect October 1, 2014, here are some of the good things it did for you: Created the Marketplace (aka Exchange), a way for individuals, families, and small businesses to…

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Pre-existing Conditions Provisions

Thanks to the Affordable Health Care Act starting in 2014, everyone will be able to get health insurance — that’s right, EVEN IF you already have a pre-existing condition or illness.  This will also include pregnancy! Already in force under…

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