Target is following in the footsteps of several large companies, including Home Depot and Walmart, which have decided to stop offering health insurance for part-time employees in response to the Affordable Care Act (commonly referred to as “Obamacare”). Target announced that it will stop offering health insurance benefits to its …
I Do Not Understand Small Business Health Coverage
The rule in the past has always been that businesses with less than 50 employees did not offer health insurance. This was not true in every case, but it was common for most small businesses. With the new Affordable Care Act, small business health coverage has become more affordable and …
What Are the Penalties If I Don’t Sign Up for Health Insurance in 2014?
As of 2014 most Americans will be required to carry health insurance under the healthcare mandate of the Affordable Care Act (ACA) or pay a penalty, referred to as “the individual shared responsibility payment.” The deadline to enroll in coverage through the health insurance exchange in order to avoid the …
Not All Health Insurance Agents Are Created Equal: Qualities of a Good Agent
Health insurance agents are licensed by the state or states in which they serve to assist individuals, families, seniors, students and businesses in applying for individual or group health coverage. While all health insurance agents must be licensed, not all are created equal. Here are some qualities to look for …
What Is a “Grandfathered” Health Plan and How Do I Know if I Have One?
While President Obama declared on several occasions that people who liked their health insurance plans would be able to keep them, some people have nonetheless found their policies cancelled by their insurance companies in response to the changes under the Affordable Care Act (ACA). Amidst all the confusion about healthcare …
Finding Affordable Health Care Coverage in California
On January 1st, 2014, every family in California will be required to have some form of health insurance or face penalties on their next tax return. The problem is that many people who do not have insurance offered through their employer have no idea where to purchase insurance for themselves …
Do I Qualify for a Subsidy to Help Pay for Coverage Under the Healthcare Mandate?
As of January 1, 2014, the healthcare mandate of the Affordable Care Act (ACA) went into effect. The aim of the ACA is to decrease the number of uninsured Americans; as such, the new law requires that most Americans now carry health insurance. The law is complex, and can be …
Insurance Laws Change in California
With the new insurance laws going into effect on January 1st, 2014, you must make sure you are covered in California. There will be a mandatory requirement for every resident of the state to have adequate health insurance or face penalties on their next tax return. There are programs designed …
How will College Students be Impacted by the Affordable Care Act?
While college students are not exempt from the Affordable Care Act’s (ACA) mandatory insurance rule that went into effect January 1, 2014, they do have more options for coverage under the ACA. College students can now stay on their parents’ health insurance plan until age 26—this is also true for …
What Do I Get with California Health Insurance Coverage?
There are several items that must be covered under the new insurance laws, and all of our policies meet these requirements. The minimum coverage must be able to help you afford basic medical services and provide assistance with specific items, such as the following: Maternity care and infant care Pediatric …