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Health Insurance


Options for health insurance in 2018

Open enrollment 2018 started on November 1 and runs through December 15. For anyone without job-based healthcare coverage or a plan through a government program (like Medicare, Medicaid or TRICARE), this is the one time of year when you can shop for health insurance. There are exceptions, of course, for those who experience qualifying life events and need a special ... Read Full Article ›


Enrollment numbers this year, last year, all years.

Tallying the Numbers: Enrollment from 2013-2017  Since the Affordable Care Act opened up federal and state marketplaces in 2013, over 20 million people have gained health insurance through public and private options. To some, the success of a government program hinges on how many people – specifically, the people to whom the program is targeted – participate. In order to ... Read Full Article ›


The ACA Biweekly snapshot of weeks 10 and 11

As the Affordable Care Act open enrollment season wraps up for 2017, the Centers for Medicare and Medicaid Services (CMS) is reporting a significant boost in signups. Over 8.8 million Americans have enrolled in a qualifying healthcare plan via the federal marketplace at, representing an increase of nearly 100,000 people during the same timeframe last year. President Donald Trump, ... Read Full Article ›


Why Having Health Insurance Is Important

Having health insurance doesn’t always seem like a good deal, especially if you’re healthy and don’t plan on seeing the doctor much during the year. You may be tempted to skip out on coverage, choosing to pay the Obamacare penalty fine instead. But you should know that getting covered is an important tool in maintaining your overall quality of life ... Read Full Article ›


Open Enrollment Bi-Weekly Snapshot

More than 2.1 million people have signed up for health insurance since the start of open enrollment on November 1 according to a bi-weekly snapshot released by the Centers for Medicare and Medicaid Services on Wednesday. During weeks three and four of enrollment, over 1.1 million people chose plans using the federal marketplace at Most enrollees are returning customers. ... Read Full Article ›


Should I Still Enroll in Health Insurance?

Enroll The 2016 Presidential Election concluded on November 8th with a stunning victory for Donald Trump. One of the platforms Trump ran on was that he would repeal and replace Obamacare. Right now, Americans are at the beginning of the 2017 Open Enrollment Period under Obamacare. Under Obamacare, every American must have health insurance or else they will face a ... Read Full Article ›


First Day of 2017 Open Enrollment is a Success

Despite higher premium prices for next year, enrollment numbers were up by 50 percent on Tuesday, which marked the first day of the 2017 Obamacare open enrollment period. Over 60,000 applications were filed in six hours, which is double that of the first day of enrollment last year, per the Department of Health and Human Services (HHS). The benchmark ... Read Full Article ›


CMS Proposes New Standards to Strengthen the Marketplace for 2018

The Centers for Medicare and Medicaid Services (CMS) has issued the proposed annual Notice of Benefit and Payment Parameters for 2018, intended to strengthen the Health Insurance Marketplace. CMS is officially issuing this rule as of September 6, 2016, addressing changes that have been underway in the last six months. The Affordable Care Act (ACA) law continues to evolve, and ... Read Full Article ›


Aetna Also Dropping Out of Some Markets

Consumers who buy health insurance through the Obamacare marketplaces will face an even greater shortage in the number of plans available for 2017. Aetna, the country's third-largest health insurer, announced on Monday that it would be withdrawing individual major medical plans from the exchanges in 11 out of the 15 states where it currently does business. Only plans in Delaware, ... Read Full Article ›


Insurance Carriers Leave the Marketplace

As America prepares for the fourth open enrollment period under the Affordable Care Act this November, changes to the availability of health insurance on the Obamacare marketplaces may impact coverage nationwide. Earlier this year, United Healthcare, the nation’s largest health insurance provider, announced that it would be cutting ties with the ACA exchanges. Since that announcement, other insurers have followed ... Read Full Article ›


Kaiser Family Foundation Survey Results: Most Enrollees Like Their Obamacare Plan

Kaiser Family Foundation Survey Results: Most Enrollees Like Their Obamacare Plan We are already past The Affordable Care Act's (ACA) third year of marketplace open enrollment. A new Kaiser Family Foundation (KFF) survey focused on individuals purchasing ACA insurance plans or enrolled in Medicaid on the marketplace appear to like their coverage options overall but are still worried about premiums, ... Read Full Article ›


Obamacare plans increase, as employer-sponsored coverage drops

As the latest reports show, the most recent Open Enrollment Period (OEP), which ended on Jan. 31, 2016, saw 12.7 million Americans sign up for health insurance policies under the Affordable Care Act (ACA). This latest OEP represents an increase of one million people (8.5 percent more) over the previous year. Since the healthcare law's passage on Jan. 1, 2014, ... Read Full Article ›


Employer coverage remains strong, even as ACA plans provide coverage

The Jan 1st 2014, launch of the Affordable Care Act (ACA) provided millions of previously uninsured Americans with vital healthcare coverage. But countless heated arguments have been directed at the law, both for and against. One of the most volatile matters was the issue of employer-sponsored policies, by far, the biggest source for the nations' health insurance. The Congressional Budget ... Read Full Article ›


CMS announces confirmation changes to SEP process

Over the past three years, Americans have taken full advantage of the Affordable Care Act (ACA)'s annual Open Enrollment Period (OEP). This is the official window in which people are able to select and purchase ACA-compliant health insurance plans. By all accounts, the OEPs are successful, with the final estimates for the 2016 OEP showing that 12.7 million Americans signed ... Read Full Article ›


Younger, healthier enrollees boosting ACA’s value to carriers

When it comes to the Affordable Care Act (ACA), 18-34-year-old consumers are considered the ultimate prize for big insurance carriers. The enrollment of younger, healthier people, also known as "millennials or Young Invincibles (YIs), affects all Americans' coverage. They're less likely to use their insurance, compared to older, sicker beneficiaries. This balances out the insurance market's risk pool, reducing carriers' ... Read Full Article ›


Childhood insurance coverage hitting nationwide highs

The Affordable Care Act (ACA) has provided millions of American adults with high-quality healthcare coverage. But the nation's youngest have benefited from the law, as well. Research shows that since the Jan. 1, 2014, establishment of Obamacare, 25 states have seen significant increases in children's coverage rates. Among the benefits of this coverage increase has been improved access to care ... Read Full Article ›


The New Year marks a new Obamacare enrollment milestone

The start of 2016 has signaled another achievement for the Affordable Care Act (ACA). As of Dec. 31, 2015, more than 8.5 million Americans have purchased health coverage during this latest 2016 Open Enrollment Period (OEP). As 6 million of these were policy renewals, this supports the Obama administration’s estimates of as many as 14.7 million ACA enrollees by the ... Read Full Article ›


Florida tops the nation in Obamacare enrollment

In 2015, Florida achieved an impressive milestone, as the state's population reached 20.27 million. The Sunshine State now ranks as the third most-populous, trailing only California and Texas. Additionally, for the first time in a decade, Florida gained more people than California; 365,703, or more than 1,000 residents a day. This population growth illustrates the state's appeal, whether for employment, ... Read Full Article ›


Two-month delay helping companies meet ACA tax reporting needs

The Affordable Care Act (ACA) has enabled millions of people to obtain health insurance. But some sections of this law are not as popular, especially within the workplace. This is because, depending on the number of employees, companies could face substantial financial penalties for failing to provide adequate insurance coverage. But on Dec. 28, 2015, the Treasury Department announced a ... Read Full Article ›


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 ›


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 ›


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 ›