Post Obamacare, all health insurance companies have to offer the same metallic tiers.  You can purchase these plans directly from the insurance company OR from your state exchange – but always contact an experienced broker to help you figure it out!  All companies have to offer these policies without a lot of differences (which might vary slightly from state to state).  So when shopping for new plans,  it’s only about the company and their reputation, doctor network and drug formulary.

Post Obamacare, all health insurance companies have to offer the same metallic tiers.  You can purchase these plans directly from the insurance company OR from your state exchange – but always contact an experienced broker to help you figure it out!  All companies have to offer these policies without a lot of differences (which might vary slightly from state to state).  So when shopping for new plans,  it’s only about the company and their reputation, doctor network and drug formulary.

Post Obamacare, all health insurance companies have to offer the same metallic tiers.  You can purchase these plans directly from the insurance company OR from your state exchange – but always contact an experienced broker to help you figure it out!  All companies have to offer these policies without a lot of differences (which might vary slightly from state to state).  So when shopping for new plans,  it’s only about the company and their reputation, doctor network and drug formulary.

Post Obamacare, all health insurance companies have to offer the same metallic tiers.  You can purchase these plans directly from the insurance company OR from your state exchange – but always contact an experienced broker to help you figure it out!  All companies have to offer these policies without a lot of differences (which might vary slightly from state to state).  So when shopping for new plans,  it’s only about the company and their reputation, doctor network and drug formulary.

Post Obamacare, all health insurance companies have to offer the same metallic tiers.  You can purchase these plans directly from the insurance company OR from your state exchange – but always contact an experienced broker to help you figure it out!  All companies have to offer these policies without a lot of differences (which might vary slightly from state to state).  So when shopping for new plans,  it’s only about the company and their reputation, doctor network and drug formulary.

Post Obamacare, all health insurance companies have to offer the same metallic tiers.  You can purchase these plans directly from the insurance company OR from your state exchange – but always contact an experienced broker to help you figure it out!  All companies have to offer these policies without a lot of differences (which might vary slightly from state to state).  So when shopping for new plans,  it’s only about the company and their reputation, doctor network and drug formulary.

All the things your health, disability or Long Term Care insurance plan covers.

What did God say when he created actuaries?  He scratched his head and said “Go figure!”  They took him literally.  Jokes aside, actuaries calculate the percentage that the insurance company covers versus what you cover.  So an 80/20 plan means they pay 80% of expenses and you pay 20%.  That’s the (very) short answer.

This model of health insurance — a government-run health care program — creates one source of payment to providers, which could be State or Federal.   The State or Feds would collect (a lot of!) taxes and federal funds then they decide how to distribute payment to providers of medical services, and they control when you can see your doctor and what services you could get.    It’s what’s known as “rationed” health care.

This is the only exception to the Open Enrollment rule.  If you have a QLE, you have a 60 day SEP to buy new individual health insurance or make changes to your existing plan.  Examples of QLE’s include marriage, divorce, birth of a child, moving to a new state, recent immigration to the US, loss of employer sponsored health insurance, COBRA running out, and more.  Please remember that ALL insurance companies are requiring paper documentation to prove your Qualifying Life