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ACA News


If you've missed the ACA's enrollment deadline, SEPs may hold the answer

The 2016 Open Enrollment Period (OEP) began on Nov. 1, 2015, and runs through Jan. 31, 2016. Come February, those Americans who have not enrolled in an approved health insurance plan, whether through the Federal Marketplace or a private company, may face an IRS-imposed tax penalty. Fortunately, the Obama Administration has made provisions, in the form of a Special Enrollment ... Read Full Article ›


New and existing 2016 ACA enrollment rates up in latest reports

With the Affordable Care Act's (ACA's) third Open Enrollment Period well underway, recent reports suggest another successful sign-up period. As of Nov. 25, the OEP's third week, an estimated 1.6 million Americans have enrolled coverage through And more promising news is that about one-third (500,000) of these enrollees were new customers. These results are an indication that the 2016 ... Read Full Article ›


Lower ACA Enrollment Projection Contradicts Consumer Demand

While the Obama Administration has succeeded in providing health coverage to millions of Americans, certain holdouts are proving more difficult to insure. The U.S. Dept. of Health and Human Services (HHS) estimates that by the end of 2016, the total number of insured people nationwide will be about 10 million. This represents an increase of about 1 million from 2015. The ... Read Full Article ›


Open Enrollment 2015 - Tips For Obamacare Plans

Ways To Improve Your 2015 / 2016 Health Insurance Open Enrollment Experience Whether your state relies on the federal facilitated Marketplace or its own exchange, you will soon have to make decisions about insurance coverage. The 2016 annual Open Enrollment Period (OEP) runs from Nov. 1, 2015, through Jan. 31, 2016. Coverage begins on Jan. 1, 2016, if you enroll ... Read Full Article ›


Obamacare Insurance Costs For 2016

It’s time once again to plan next year’s healthcare for you and your family. The annual Open Enrollment Period (OEP) begins on Nov. 1, 2015 and runs through Jan. 31, 2016. The Patient Protection and Affordable Care Act (ACA, or Obamacare) requires all Americans to purchase coverage during the three-month OEP. And if you want coverage to begin on New ... Read Full Article ›


Supreme Court Decision Is This Week. Will It Disrupt Your Health Coverage?

The Affordable Care Act (ACA) has provided Americans with access to quality healthcare. Now, millions of men, women and children are able to visit their choice of providers, quickly and conveniently. Prescription drug coverage has become much more affordable and manageable, as well. However, the promise of quality healthcare may be fleeting. The nation is anxiously awaiting the Supreme Court’s ... Read Full Article ›


Special Tax Enrollment Bombs. Only 147,000 Sign Up.

Okay America, you had plenty of time to sign up for health insurance under the Affordable Care Act (ACA). But still, you said you didn’t know about the penalties for not having coverage by the open enrollment deadline. So, the President and his administration set up a special enrollment period (SEP), running from March 15 to April 30. Surely, with ... Read Full Article ›


La participación latina en los planes de Obamacare

La comunidad latina constituye una parte importante de la población no asegurada en América, y, hasta el momento, el número de matrículas han sido menores de lo previsto, pero que están prometiendo. Los números oficiales no han sido liberados para el 2015, pero parece que más miembros de la población latina se están lentamente a bordo con los beneficios de ... Read Full Article ›


CBO: Taxpayers Are Paying 20% Less for Subsides

According to new cost estimates developed by the Congressional Budget Office, advance premium tax credits will cost taxpayers about 20 percent less than initially projected. Subsidies, which make health insurance affordable for millions of Americans, have been the subject of debate recently as the Supreme Court considers their implementation within the context of the Affordable Care Act. Despite the legal ... Read Full Article ›


5 Lies For the Supreme Court Case: King v Burwell

Since the Affordable Care Act became law in 2010, those who oppose the law have brought up several issues and legal challenges against it in an effort to undermine its implementation. While some changes have been made to the original law based on interpretations of the Supreme Court, few people continue to question the ACA's intent. Lawmakers created the new ... Read Full Article ›


Unbelievable: 87% of People Are Receiving Free Subsidies

Since the marketplaces officially opened in 2013, healthcare officials have expended a lot of energy promoting the advance premium tax credits available to consumers with limited income. Their efforts have paid off. According to a report issued by the Health and Human Services Department, about 87 percent of the people who signed up for health insurance in 2015 qualified for ... Read Full Article ›


HHS: 11.7 Million Have Enrolled Now For 2015

Despite early technical problems, nationwide uncertainty and constant legal challenges, the Affordable Care Act hit another positive milestone at the close of its second open enrollment period in February. Health and Human Services Department Secretary Sylvia Burwell announced in early March that enrollment had reached 11.7 million by the time the marketplaces closed on Feb. 22. The second enrollment season ... Read Full Article ›


Florida Sees Largest Number of Enrollees During 2015 OEP

The open enrollment period for the Affordable Care Act closed last week with millions of new additions to the insurance system in America. The U.S. Department of Health and Human Services has not yet released an official report on nationwide sign-up numbers, but officials posted on the department's Facebook page on Feb. 18 that about 11.4 million people had signed ... Read Full Article ›


El seguro de atención médica a corto plazo: los pros y los contras

¿Cuáles son los planes a corto plazo? Las pólizas tradicionales de seguro médico ofrecen una cobertura amplia, la cual incluye atención preventiva, exámenes físicos, vacunas y a veces hasta cuidados dentales o de la visión. Empero, los planes a corto plazo solo proporcionan cobertura "catastrófica", o sea, en casos de emergencia. Estos planes son eficaces para quienes quieran cobertura de ... Read Full Article ›


Obama Reaches Key Goal. 9.5 Million ​​Already Sign-Up

With just under two weeks left in open enrollment season 2015, the government has announced that 9.5 million people have signed up for health insurance via federal and state marketplaces. The Affordable Care Act, which requires people to sign up for qualified health insurance or face a fine, has been challenged nationwide by skeptics who disagree with the concept behind the ... Read Full Article ›


Obamacare Deadline Looming Quickly. Only 3 Weeks Left To Enroll.

Whether you need health insurance or you're considering signing up for a different policy, you'd better decide what to do soon. Unless you qualify for a special enrollment period based on extenuating circumstances, the open enrollment deadline for health insurance is Feb. 15. The government sets the deadline for enrollment, and while private insurers and employer-sponsored plans don't have to ... Read Full Article ›


2015 OEP Enrollment Numbers

Since September 2013, more than 10 million individuals in the United States have signed up for health insurance under the Affordable Care Act according to a survey conducted by the Urban Institute. Of those 10 million people, almost 70 percent used federal or health insurance exchange sites, known as marketplaces, to purchase plans. The total number of uninsured Americans dropped ... Read Full Article ›


Summary of the First Month of Open Enrollment

For consumers who took advantage of the federal or state marketplaces to buy health insurance in 2014, new estimates suggest that switching plans during the open enrollment period this year will help decrease the cost of insurance in 2015. According to officials with the federal exchange, approximately 70 percent of enrollees who shop around for insurance will find cheaper plans, ... Read Full Article ›


It's Time For Businesses to Insure Their Employees or Pay a Fine

If you own a moderately sized or large business, then get ready for big changes in 2015 over the way you handle health insurance. The Affordable Care Act, which took full effect for individuals last year, will now require that certain businesses offer affordable healthcare coverage to full-time workers. This stipulation was originally set to roll out along with the ... Read Full Article ›


CA Passes Law That Exempts Businesses from Mandates Until 2016

California Governor Jerry Brown signed a bill on July 7, 2014 that excused small businesses in California from complying with the employer mandate requirements under the Affordable Care Act for another year, until 2016. Under the original version of the Affordable Care Act, President Obama wanted the employer mandates to take effect in 2014. That deadline was pushed back until ... Read Full Article ›


Hobby Lobby Case Isn't the Last Coming Down the Pike

Hobby Lobby VS. Obamacare On June 30, 2014, the Supreme Court of the United States returned a verdict in Burwell v. Hobby Lobby Stores, Inc. stating that for-profit corporations like Hobby Lobby are not required to pay for and provide contraception through the insurance policies that they fund for their employees because it violates the Religious Freedom Restoration Act. The ... Read Full Article ›


How Windfall Earnings Can Spoil Your Obamacare Subsidy

Question: I expect $45,000 in self-employed income for my family of four this year, qualifying me for substantial government subsidies through the Affordable Care Act exchange. What happens if my actual earnings are just as expected until Dec. 31, 2014, when I realize an involuntary capital gain because a company that I own a stake in gets bought out by ... Read Full Article ›