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Health insurance open enrollment under Obamacare has different rules. Unless it’s Open Enrollment, you may not be able to purchase health insurance without a qualifying event. Special election periods will be available outside of open enrollment for those who meet certain criteria. If none of the life events listed below apply, then applicants will need …

April 2, 2014

Category: Health Care Reform, Health Insurance

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Our insurance agency has received several inquiries about the upcoming Obamacare penalty amounts for those who do not purchase health insurance.  It is important to understand how these penalties will be enforced and ways to avoid them. The penalties will vary for singles and for families and can, for some, end up being a portion of their …

October 9, 2013

Category: Health Care Reform, Health Insurance, Uncategorized

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Under current rules and regulations, you buy health insurance either on the the Federal (or in some states local) exchange or off.  Here in Ohio, we are on the Federal exchange. Understanding your options will help you know whether you qualify for subsides, Medicaid and what your penalty might be. We help our clients sort …

September 26, 2013

Category: Health Care Reform, Health Insurance

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Now that the Supreme Court has upheld the Affordable Care Act (otherwise known as Obamacare) there are many questions about the individual mandate as it relates to new taxes and/or penalties for those who have not purchased health insurance. It is important to understand that these new taxes (or penalties) will be phased in over …

July 2, 2012

Category: Health Care Reform, Health Insurance

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Vanishing deductible benefits are not for car insurance policies only.  Health insurance providers are also offering policies with a deductible that decreases over time when the chosen limit has not been reached by the insured(s). This is being done in an effort to make older health insurance polices more attractive and to retain healthy customers …

February 14, 2012

Category: Health Insurance, Health Savings Accounts

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Parts of the new  health care legislation have already taken affect, but there is quite a bit of confusion over the guaranteed issue status for children under the age of 19 years old. (Editor’s note: Some of the information below is outdated – please contact us to discuss a child-only health insurance application.) As of September …

October 14, 2010

Category: Health Care Reform, Health Insurance

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As part of the health care reform bill passed by Congress and signed into law by President Obama in March, new high risk health insurance pools will be created by several states. The pools are designed to last 40 months and bridge the gap until applicants with preexisting conditions must be underwritten for permanent coverage. …

August 5, 2010

Category: Health Care Reform, Health Insurance

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New state and federal laws allow Ohio residents to keep children insured on a parent’s health insurance policy past age 23. Federal law only requires that coverage is offered to age 26, but state law allows for dependents to be insured up to age 28. Those who are insured through an employer based group health insurance plan and …

June 23, 2010

Category: Health Care Reform, Health Insurance

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You might purchase a health insurance policy that can be coupled with a health savings account simply to obtain lower monthly premiums. In exchange for covering more of the incidental expenses out of pocket with a HSA qualified plan, you can keep your individual or family health insurance more affordable. Perhaps of more importance are …

June 17, 2010

Category: Health Insurance, Health Savings Accounts

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As debate heats up about the rising cost of individual and family health insurance around the country, many carriers are looking at ways to reduce premiums for existing and future insureds. Anthem Blue Cross Blue Shield recently introduced new coverage options with new benefit designs in order to keep prices affordable. Our agency is proud …

February 11, 2010

Category: Health Insurance

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In a landscape of national health insurance companies, Medical Mutual is considered to be more of a regional insurance player.  While they have branched out to other states in the last few years, they are best known in Ohio as an individual, family and group health insurance provider.  In business since 1934, they offer products …

January 12, 2010

Category: Health Insurance

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As of the writing of this article, there is still no decision from Washington as to whether the COBRA health insurance subsidy will be extended for those who lost jobs or were laid off. There is talk that Congress might extend the subsidy for an additional 15 months, assuming those who qualified have not already …

December 18, 2009

Category: Health Insurance

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As an insurance professional in Ohio, I am asked this question quite a bit from prospective clients. The simple answer is: it depends. There are certain companies that offer more affordable health insurance in certain areas and to certain age groups. With the advent of healthcare reform, there are several other variable that come into play, …

September 9, 2009

Category: Health Insurance

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Online shoppers want to know where the best websites offering instant health insurance quotes from several well rated carriers can be found. You can find them with us. In response to consumer demand, we have developed an insurance agency that operates in two worlds; the real and the virtual. Shoppers can explore plans with or without our …

May 4, 2009

Category: Health Insurance

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Health care reform is coming and possibly soon. President Obama promised changes to the health care system during his run to office and has quickly taken measures to deliver on those promises.  While several questions remain as to what these changes might entail, he has pledged to insure more Americans under a universal system. It …

March 26, 2009

Category: Health Insurance, Op/Ed

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