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Appeals Courts Deliver Conflicting Rulings on Obamacare Subsidies, Could You Lose Yours?

Posted Jul 24, 2014
By Jenifer Dorsey

Appeals Courts Deliver Conflicting Rulings on Obamacare Subsidies, Could You Lose Yours?

Two federal appeals courts on July 22, 2014, delivered conflicting rulings on health insurance subsidies under the Affordable Care Act. One decision could threaten Obamacare subsidies for people in the 36 states that defaulted to a federally facilitated health insurance exchange.

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Help for the Newly Insured—Clearing Up 5 Misconceptions About Obamacare Health Insurance Plan Premiums and Deductibles

Posted Jul 22, 2014
By Jenifer Dorsey

Help for the Newly Insured—Clearing Up 5 Misconceptions About Obamacare Health Insurance Plan Premiums and Deductibles

We are halfway through 2014, which means some Americans have been covered by Obamacare plans for six months now. Nonetheless, it is not smooth sailing for all. Many have encountered confusion over how their new health insurance plans work.

Continue Reading: Help for the Newly Insured—Clearing Up 5 Misconceptions About Obamacare Health Insurance Plan Premiums and Deductibles


Update: Individual Health Insurance Landscape in Oregon

Posted Jul 18, 2014
By Jenifer Dorsey

Update: Individual Health Insurance Landscape in Oregon

In Oregon, the individual health insurance landscape continues to change. The state elected to run its own health insurance exchange for 2014, Obamcare’s first open-enrollment period. While Cover Oregon started out as promising and earned national recognition for its catchy multimedia marketing campaign Long Live Oregonians, the state-based exchange soon got labeled a disaster due to persistent website issues made enrollment difficult.1

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Top Health Insurance Options for Recent Grads in New-Hire Waiting Periods

Posted Jul 17, 2014
By Jenifer Dorsey

Top Health Insurance Options for Recent Grads in New-Hire Waiting Periods

My son finished graduate school this spring. He had been covered by my health insurance plan but will turn 26 this month. Fortunately, he begins a new job with benefits mid-August, but he will still have to wait until his employer’s 90-day waiting period for those benefits become effective. He thinks he will be fine without health insurance for a few months, but I know it is a bad idea. What options does he have in the meantime?

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Kaiser Survey Looks at Individual Health Insurance Enrollees On and Away from Obamacare Exchanges

Posted Jul 16, 2014
By Jenifer Dorsey

Kaiser Survey Looks at Individual Health Insurance Enrollees On and Away from Obamacare Exchanges

While the government has released an enrollment summary with data from the Affordable Care Act’s first open-enrollment period and some information on those who purchased health insurance from the new state-based and federally facilitated exchanges, data on non-exchange enrollees has been harder to come by. However, new survey findings from The Henry J. Kaiser Family Foundation provide a more complete picture of those who enrolled in ACA-compliant health insurance for 2014.

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What is HealtheDeals.com? 5 Top Features for Health Insurance Consumers

Posted Jul 11, 2014
By Jenifer Dorsey

What is HealtheDeals.com? 5 Top Features for Health Insurance Consumers

In the age of Obamacare, we are a nation focused on health insurance—how it works; who must purchase it and why; what it includes and costs; and when, where and how to buy it. Consumers must sift through a tremendous amount of information online to find the answers to their questions and determine the best health insurance coverage for their situations.

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IRS Issues Final Rule on Small Business Health Insurance Tax Credit

Posted Jul 10, 2014
By Jenifer Dorsey

IRS Issues Final Rule on Small Business Health Insurance Tax Credit

On June 26, 2014, the Internal Revenue Service issued a final rule on Obamacare tax credits for small businesses.

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Hobby Lobby Verdict and the Obamacare Birth Control Mandate

Posted Jul 02, 2014
By Jenifer Dorsey

Hobby Lobby Verdict and the Obamacare Birth Control Mandate

The justices have decided: For-profit companies with sincerely held religious beliefs will not be required to cover contraceptives under Obamacare. On Monday, June 30, the U.S. Supreme Court ruled 5-4 that for-profit companies may claim a religious exemption that excuses them from covering contraceptives.1 Hobby Lobby was among several corporations that challenged what has been called the contraception or birth control mandate.

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Update: Individual Health Insurance Landscape in Minnesota

Posted Jun 30, 2014
By Jenifer Dorsey

Update: Individual Health Insurance Landscape in Minnesota

For Obamacare’s first open-enrollment period, Minnesota chose to establish a state-based health insurance exchange. As of now, the state will continue operating its own exchange, MNsure, for 2015.
 
Despite initial technical difficulties and long waits to get through to MNsure customer service, Minnesota exchange enrollment numbers for 2014 seem strong. Between Sept. 30, 2013 and May 1, 2014, the number of uninsured Minnesotans decreased 40.6 percent (180,500)—the lowest rate since the 1990s, when the State of Minnesota began estimating health insurance coverage.1 In a related press release, an infographic compared this reduction as similar to the population of Salt Lake City, Utah, or enough people to fill 14 football fields full of people lined up side by side.

Continue Reading: Update: Individual Health Insurance Landscape in Minnesota


The Cheapest Obamacare Health Insurance Plan Isn't Always Best

Posted Jun 20, 2014
By Jenifer Dorsey

The Cheapest Obamacare Health Insurance Plan Isn't Always Best

Earlier this month, HealthPocket.com looked at on-exchange and off-exchange premiums in an article that garnered great attention. Findings showed that metal plans sold on the state-based and federally facilitated health insurance were cheaper than those sold away from them in 35 out of 39 cities—more than 40 percent cheaper.1 While those shopping state-based and federally facilitated exchanges may have access to lower premiums in some cases, those lower premiums do not mean value for all consumers.

Continue Reading: The Cheapest Obamacare Health Insurance Plan Isn't Always Best