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What is a grandfathered medical plan?

A Grandfathered health plan is one that existed before the Affordable Care Act, and that the rules excused from meeting all of the requirements of the law. Grandfathered plans may continue to serve the membership existing as of the time Obamacare went into effect. The Individual Mandate The Affordable Care Act required every eligible resident […]

What happens if I don’t want health insurance?

If you choose not to purchase health insurance, you will most likely be responsible for paying the individual mandate penalty fine. This is a monthly fee, so you will only pay 1/12 of the annual fee for each individual month that you went without insurance. You have to pay it when you file your federal […]

What does permanent health insurance mean?

Permanent health insurance is a popular option for medical coverage and income protection in some parts of the world. Permanent health insurance or PHI is widely used in the UK, Australia, and New Zealand among other countries. Many employers offer permanent health coverage to protect business and the employee in the event of illness or […]

What is a medical insurance rider?

A medical insurance rider is an amendment to a standard contract for health insurance. The rider can either add or exclude coverage for some particular condition, body system or body part. The practice of riders was regulated by state insurance authorities. States approved a wide range of additions and exclusions as insurers picked and selected […]

What are the good and bad things about Obamacare?

On balance, millions of uninsured Americans got insurance coverage and a chance at regular medical care. Obamacare was a major change in the health care laws and the industry itself. The law covered the entire population of citizens and legal residents. As a piece of planning and legislation, it was a massive undertaking. The ACA […]

Getting Health Insurance With Type 2 Diabetes

Obtaining good healthcare coverage when you are diagnosed with type 2 diabetes is a breeze with the passage of the ACA healthcare laws. Although it is still considered a preexisting condition, individuals can no longer be discriminated against and denied coverage. Enter your zip code above to compare free health insurance quotes and find diabetes […]

What is the minimum value standard for health insurance?

As stated under the Affordable Care Act, a health insurance plan must meet affordability and minimum value standards in order to qualify as adequate coverage. To meet this minimum value standard, your job-based health insurance plan must pay at least 60 percent of your total medical costs. Additionally, it must provide substantial coverage for any […]

What is health care reform?

The Affordable Care Act reformed the healthcare industry by requiring that everyone get and keep health insurance coverage. In the process, it redefined health insurance coverage and banned denials of insurance, particularly for pre-existing conditions. Under the ACA insurers may not discriminate in the selection of applicants. They can only take into account the individuals […]

When is an employer required to offer health insurance?

The Affordable Care Act (ACA) went into effect in 2014 after surviving a challenge in the Supreme Court of the United States. The most widely known aspect of the law is its requirement that all U.S. Citizens living in the United States, as well as many noncitizen residents, carry health insurance, certify an exemption, or […]

What is the purpose of health insurance exchanges?

The Marketplace exchanges play a key role in bringing qualified health plans to the buyers that need them. States regulate the insurance industry and the federal government has the broad authority of the Affordable Care Act. Together they can shape health plans, drive down costs and increase benefits for consumers. These Marketplace health plans comply […]

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