• WHATare the facts?
  • HOWdoes this affect me?
  • WHENis this happening?
  • WHEREdo I get more info?

Reform News

ACA Open Enrollment Update

The Affordable Care Act (ACA), also known as ObamaCare, created Marketplaces in each state where uninsured Americans could purchase health insurance. It also changed health insurance enrollment so that policies could only be purchased during a specific open enrollment period each year, unless an individual qualified for a special enrollment period at a different time. […]

Slow Start for SHOP Enrollment

With the passage of the Affordable Care Act (ACA), all Americans are now required to have health insurance or face a tax penalty, unless they can obtain an exemption.  The SHOP Marketplace is made available to help companies with 50 or fewer full-time staff offer coverage to their staff, helping them obtain affordable coverage. By […]

Competition Keeps Marketplace Premiums In Check

In creating the Affordable Care Act (ACA), also known as ObamaCare, the Obama administration aimed to address concerns about high health care costs. Prior to the passage of the law, double digit increases in health insurance costs were common from year to year. The ACA included provisions to keep costs and premiums from rising so […]

Individual Mandate Honor System

The Affordable Care Act (ACA), also known as ObamaCare, has several controversial elements. One is the individual mandate, which requires all Americans to have health insurance coverage or pay a tax penalty, unless they are able to obtain an exemption. However, the actual enforcement of the penalty for the first year of ObamaCare relies on […]

2015 Health Insurance Coverage Costs

Ever since the Affordable Care Act (ACA), also known as ObamaCare, was passed, the question of health insurance costs has been at the forefront of discussion. With 2014 drawing to a close, we are ending the first year of ObamaCare, and the open enrollment period for 2015 has begun. Early changes in insurance costs are […]

Millennials: Targeted for Health Insurance Enrollment

The passage of the Affordable Care Act (ACA), also known as ObamaCare, created a lot of change in the health insurance market. During the newest enrollment period, millennials will continue to be an important target of enrollment efforts. Without young adults enrolling in health insurance coverage, the insurance risk could become dangerously skewed. The Importance […]

How to Get Health Care When Unemployed

When you lose your job, it can be a real jolt. Part of the issue you face in that situation is that you generally lose your employer-based health insurance too. Fortunately, due to the Affordable Care Act (ACA), also known as ObamaCare, you have a lot of options available to secure new health insurance. Step […]

Impact of the Republican Majority Senate on the ACA

In the November 2014 elections, the American people voted for a change in Washington. The Obama administration now faces a Republican majority in both the House and the Senate. The Affordable Care Act (ACA), also known as ObamaCare, is largely opposed by Republicans. As a result, it is likely the legislation will face new challenges. […]

Renew or Switch Your ObamaCare Plan?

The Affordable Care Act (ACA), also known as ObamaCare, created health insurance Marketplaces where uninsured Americans could obtain insurance. The current open enrollment period started November 15, 2014, and will last until February 15, 2015. Selections made by the 15th of the month will take effect on the 1st of the following month, so those who want […]

Prepare for Health Care in Retirement

Health care is an important issue at all stages of life, especially at retirement. Those who are in their working years will likely have insurance through an employer or through the Affordable Care Act (ACA) Marketplace. After you hit age 65, you will likely be eligible to enroll in Medicare. Understanding Medicare Medicare is made […]

When Medicare Advantage is Right for You

With the passage of the Affordable Care Act (ACA), also known as ObamaCare, almost all aspects of health care have changed. Implementation of the ACA made some changes to Medicare, specifically to the payouts that Medicare gives to private plans who insure Medicare beneficiaries. Medicare vs. Medicare Advantage Medicare is health insurance coverage provided directly […]

ObamaCare and Wellness Incentives

Employee wellness has always been an important issue to businesses and the passage of the Affordable Care Act (ACA) has sharpened that focus. The ACA, also known as ObamaCare, includes provisions that require insurance plans to offer many preventive benefits free of charge. The access to these tests and treatments, along with employer-sponsored health incentives, […]

Advances in Health Care with Telemedicine

The Affordable Care Act (ACA), also known as ObamaCare, dramatically increased the number of Americans who have access to health care. As a result, some providers are feeling pressure to find a way to meet patients’ needs more quickly. In addition, payment reforms are underway to help providers receive payment for health management rather than […]

Medical Reimbursement Accounts: HSAs vs FSAs

The Affordable Care Act (ACA) gave Americans access to health insurance options that many had not considered before. The ACA, also known as ObamaCare, created state Marketplaces where Americans could compare and purchase health insurance plans. Some health insurance plans utilize tax-advantaged financial accounts that sometimes cause confusion, such as Flexible Spending Accounts (FSAs) and […]

ObamaCare and Women’s Health Care

The Affordable Care Act (ACA), also known as ObamaCare, impacted health care for all Americans. There were specific provisions in the law that impacted women’s health care in particular. Prior to the ACA, women were often charged more for insurance and sometimes struggled to gain access to birth control and other health services. The ACA […]

Supreme Court and the ACA Individual and Employer Mandate

Two of the key elements in the Affordable Care Act (ACA), also known as ObamaCare, are the individual and employer mandates. Simply put, the individual mandate requires all individual Americans who don’t have an exemption to have health insurance or face a tax penalty. The employer mandate requires all employers with 50 or more full […]

Obamacare Tax Subsidies Face Legal Challenge

The Affordable Care Act (ACA), like many other major pieces of legislation, has its share of opponents and detractors. The most recent court case concerns the tax subsidies provided by the federal government to help Americans afford health insurance purchased in the Marketplace. Understanding the Tax Subsidy Challenge The legal challenge that will come before […]

How States That Didn’t Expand Medicaid Impact Hospitals

One of the goals of the Affordable Care Act (ACA), also known as ObamaCare, was to significantly increase the number of Americans who had health insurance. Hospitals supported the law in part because the ACA would reduce the amount of care that they needed to provide to people without insurance. The provisions of the ACA, […]

High Deductible Health Insurance Plans

The passage of the Affordable Care Act (ACA), also known as ObamaCare, created a lot of changes in the health care market. Along with setting up an insurance marketplace in every state, the law included requirements that expanded the required coverage in insurance plans. As a result, some insurance plans went up in price significantly, […]

Your Guide to Medicare Open Enrollment

With all of the news surrounding the upcoming open enrollment season, it’s important that seniors are aware of the process for Medicare open enrollment. The Medicare open enrollment season is different than the Affordable Care Act (ACA) Marketplace, so seniors should pay close attention to their enrollment notices. The ACA Marketplace is not for seniors […]

What to Expect from ObamaCare: Round 2

As November 15, 2014 quickly approaches, Americans are wondering what to expect when the second enrollment period of the Affordable Care Act (ACA) begins. The ACA, also known as ObamaCare, created both federal and state health insurance marketplaces where uninsured Americans could purchase insurance. There have been some changes to the Marketplace since the last […]

Is the ACA Website Ready for 2015 Enrollment?

The initial launch of health care marketplaces created by the Affordable Care Act (ACA) was anything but smooth. The ACA, also known as ObamaCare, was intended to allow more Americans to access affordable health care. However, in the first year of enrollment, technical issues plagued both the state-based and federally-run Marketplace websites. The Obama administration […]

The ACA: A Year In Review

The Affordable Care Act (ACA), also known as ObamaCare, had its big rollout with much fanfare in the fall of 2013. Policies were intended to be effective January 1, 2014, with many provisions of the ACA becoming effective the same date. Now, in the fall of 2014, we can see how ObamaCare fared in its […]

ObamaCare and Support for Medicaid Expansion

With the passage of the Affordable Care Act (ACA), also known as ObamaCare, many aspects of American health care came into focus. One area of particular interest was Medicaid, which helps provide health coverage to lower-income Americans and children. Part of the ACA was a provision to encourage states to expand Medicaid to cover additional […]

ObamaCare May Expand Americans’ Employment Options

The passage of the Affordable Care Act (ACA), also known as ObamaCare, has changed American health care in many ways. By making health insurance more affordable to a larger number of Americans, the ACA may expand Americans’ employment options. The Marketplaces in each state, and expanded Medicaid eligibility in some states, make it easier and […]

The U.S. Health Care System and Ebola

The U.S. health care system received quite a shock on September 30, 2014, when it was discovered that a man in Dallas, TX had Ebola. The man had just come from Liberia and developed symptoms about 4 days after arriving in the U.S. The fact that two health care workers who cared for him subsequently […]

Questions to Ask Your Doctor

Since the passage of the Affordable Care Act (ACA), also known as ObamaCare, there has been a lot of focus on the costs of health insurance. Fortunately, there are things that you as a consumer can do to keep costs low – not only your own out-of-pocket costs, but the overall cost of care that […]

The Pros and Cons of an HMO

The Affordable Care Act (ACA), also known as ObamaCare, created state-based Marketplaces where uninsured Americans can buy health insurance. There are many different forms of health insurance available and understanding the choices is essential to making a good decision. One common form of coverage available is a Health Maintenance Organization (HMO). Benefits of an HMO […]

The 80/20 Rule and Other Health Care Cost Measures

When the Affordable Care Act (ACA) was passed, there were many concerns about what the effect of the law would be on health insurance premiums. The ACA, also known as ObamaCare, included a broad increase in required coverage by health insurance companies. It also removed the ability of companies to refuse coverage on pre-existing conditions […]

US Health Care Costs for 2015

The passage of the Affordable Care Act (ACA), also known as ObamaCare, spurred many controversies. One of the biggest was what the impact of the law would be on health care costs. Some observers were concerned that eliminating exclusions for pre-existing conditions and giving more Americans subsidized access to care would drive up costs. However, […]

How to Report Income and Household Size for Health Coverage

The passage of the Affordable Care Act (ACA), also known as ObamaCare, created Marketplaces in each state where Americans can buy insurance. In addition, citizens may qualify for financial assistance with monthly premiums and possible cost-sharing, such as copayments and deductibles. In order to qualify, household size and income must be reported when filling out […]

The Pros and Cons of a PPO

The Affordable Care Act (ACA), also known as ObamaCare, created a health insurance Marketplace where uninsured Americans can purchase coverage. There are many different types of insurance coverage, but one of the most common is a Preferred Provider Organization (PPO). A PPO is a group of health service providers, such as hospitals and doctors, which […]

Optogenetics Technology and Health Care

Technological advances continue to occur every day and they benefit many areas of American life. One area that is reaping especially big benefits is health care. A recent advancement in health care technology involves optogenetics. Understanding Optogenetics Optogenetics is a field within neuroscience that combines the study of genetics and the study of the light-responsive […]

Which Health Insurance Plan is Best for You?

The Affordable Care Act (ACA), also known as ObamaCare, created a Marketplace in each state where Americans can buy health insurance. Insurers are able to offer various plans to the residents of each state. As the next open enrollment period approaches, starting on November 15, 2014, it’s important to understand the different types of coverage […]

Health Insurance Options After Job Loss

Many Americans receive health insurance through their employers. However, after a job loss, the question of health insurance can be a big one. Fortunately, with the passage of the Affordable Care Act (ACA), also known as ObamaCare, Americans who have lost their jobs have additional options in obtaining health insurance. Health Insurance Options in the […]

Marketplace Coverage vs. Employer Health Coverage

Many Americans are used to receiving health insurance through their employer. With the passage of the Affordable Care Act (ACA), a new health insurance Marketplace was created. It’s important to understand the changes made by the ACA, also known as ObamaCare, and how they impact employer-based health insurance. Understanding Employer-Based Health Insurance Generally, employees pay […]

How Google Glass Can Change Health Care

Health care is always changing, and that’s especially true as technology continues to advance by leaps and bounds. The latest advancement in health care technology involves vendors who are creating apps for the Google Glass device. Google Glass is a device that looks like eyeglasses but allows visual and voice-command access to computer programs through […]

The ACA and Employer Medical Costs in 2015

As the Affordable Care Act (ACA) moves into its second year of Marketplace implementation, all eyes are on medical costs. Critics and other observers have been concerned that the ACA, also known as ObamaCare, will raise medical costs due to the limitations placed on health insurance rating factors. Individual Americans are not the only ones […]

ObamaCare and an Overview of SHOP

In addition to the individual market to purchase private health insurance, the Affordable Care Act (ACA) set up a Marketplace for small businesses. The ACA, also known as ObamaCare, is designed to help all Americans have access to more affordable health insurance. The Small Business Health Options Program (SHOP) helps small businesses provide qualified coverage […]

The Healthcare.gov Hacker

Whenever a major system operates on the internet, there’s always a concern that someone will hack into the system and steal information. This is especially true with the system holds a lot of personal information about a variety of Americans. With the implementation of the Affordable Care Act (ACA), also known as ObamaCare, a major […]

ObamaCare and the U.S. Budget Deficit

Whenever major legislation is passed, there are always concerns about how it will impact the overall government budget. The United States has been running on a budget deficit for many, many years, and any legislation that will increase that deficit faces a high degree of scrutiny. When the Affordable Care Act (ACA) was passed, there […]

The ACA and Social Security Income

The Affordable Care Act (ACA), also known as ObamaCare, aims to allow Americans better access to affordable health care. One of the ways this is done is by providing financial subsidies to help purchase health insurance in the Marketplace. These subsidies are based on income, and many Americans wonder exactly what income must be reported […]

The ACA and Exemptions to the Individual Mandate

One of the biggest controversies in the passage of the Affordable Care Act (ACA) was a provision called the “individual mandate.” The ACA, also known as ObamaCare, required all Americans to have insurance or face a tax penalty at the end of the year. There were exceptions, however, and many people applied for them. Understanding […]

ObamaCare and College Student Coverage

When the Affordable Care Act (ACA) was passed, one of the primary concerns was whether healthy young adults would be willing to sign up for coverage. If only the sick purchased insurance, insurance costs would skyrocket and render the market unsustainable. However, young adults have little incentive to pay large premiums for health insurance. How […]

The ACA and Dental Coverage

Every facet of health insurance coverage has changed since the implementation of the Affordable Care Act (ACA), also known as ObamaCare. There have been impacts to all types of coverage, including dental coverage. Dental coverage is handled differently depending on whether you are purchasing insurance within a Marketplace or outside of one. Dental Insurance Coverage […]

U.S Territories and ObamaCare

The Affordable Care Act (ACA), also known as ObamaCare, changed the insurance market for the entire United States. However, there are also American territories, which while they are legally part of the U.S., are not governed by all the same tax regulations. A question arose soon after the ACA was passed as to how to […]

ObamaCare and Unions

There are many groups of Americans affected by the Affordable Care Act (ACA), and union workers are among them. The ACA, also known as ObamaCare, changed the way all Americans access health insurance. Union members often access health benefits  through health funds known as “Taft-Hartley funds,” named for the law that governs how they operate. […]

ObamaCare and Public Opinion

The Affordable Care Act (ACA), also known as ObamaCare, has been a controversial piece of legislation since Congress began working on it in 2008. Although the supporters of the bill have touted its good points through a variety of media, Americans are divided on their opinion and support of the ACA. Early Public Response to […]

ACA and Proof of Citizenship

When a new social program takes effect, many observers immediately wonder if the costs will be higher and its impact diluted due to illegal immigration. Immigration has been a hot topic for years, and with the passage of the Affordable Care Act (ACA), the debate has gotten louder. The ACA, also known as ObamaCare, helps […]

ACA Navigators in Rural Areas

On September 8, 2014, the federal government earmarked $2.4 million for the purpose of training and hiring health care marketplace navigators in the state of Pennsylvania. Pennsylvania received part of the $60 million in grant funding for consumer outreach awarded to organizations in states with federally-facilitated or state partnership Marketplaces. Under the Affordable Care Act […]

Republican Reforms to ObamaCare

Any large piece of legislation is going to be controversial, and that’s especially true with the Affordable Care Act (ACA). The ACA, also known as ObamaCare, was passed with only Democratic support. Republican lawmakers have been opposed to the law from the beginning and continue to fight implementation. Many lawmakers hope to repeal the ACA […]

ObamaCare and Aetna’s 2015 Expansion

Many insurers weren’t certain how the Affordable Care Act (ACA) was going to play out. The ACA, also known as ObamaCare, made sweeping changes to the health insurance industry. As a result, many insurers decided to participate in only a few state Marketplaces in 2014. One insurer who started small and plans to expand slowly […]

ObamaCare and Pharmacists

The Affordable Care Act (ACA), also known as ObamaCare, didn’t just transform health insurance. It also earmarked funds for various demonstration programs and pilot programs. These programs aim to transform the delivery of care, and impact a variety of professionals in the health care field. Pharmacists are encouraged to take part in the programs and […]

Veterans Health Care Bill

Veterans’ health care has been in the news quite a bit, and it hasn’t all been good news. Stories abound of failure of care. Congress has chosen to take action by passing the Veterans’ Access to Care through Choice, Accountability, and Transparency Act of 2014. This veterans’ health care bill seeks to address many of […]

ObamaCare and Health Savings Accounts

There are many kinds of health insurance plans and the marketplaces created by the Affordable Care Act (ACA) have made that especially clear. The ACA, also known as ObamaCare, created state marketplaces both the insured and uninsured could purchase insurance. With an array of options in front of them, many Americans are struggling to understand […]

ObamaCare and Medicare

Older adults are very focused on taking care of their health — and rightly so. Any changes to health care, health insurance, or especially Medicare are not taken lightly. The Affordable Care Act (ACA), also known as ObamaCare, made changes to all of these areas. As a result, seniors are concerned that their health coverage […]

ObamaCare and Nurses

Health care workers are always affected by changes in the way health care is provided, and the Affordable Care Act (ACA) made major changes. The ACA, also known as ObamaCare, overhauled the health insurance industry and, by extension, health care itself. Many of those on the front lines of health care, especially nurses, have strong […]

ObamaCare vs. Employer Mandate Lawsuit

Laws that make major changes to American society almost always stir controversy. The Affordable Care Act (ACA), also known as ObamaCare, is no exception. Many Americans and many lawmakers oppose the ACA, and are challenging it in many different ways. Employer Mandate Lawsuit  As occurs when any law is created, the Obama administration has implemented […]

ObamaCare and Federal Employees

The Affordable Care Act (ACA), also known as ObamaCare, changed health insurance for all sectors of American society. Most Americans who gained insurance through their jobs did not notice much of the change, but some federal employees are now required by the ACA to obtain health insurance differently. The Federal Employees Health Benefits Program  The […]

The ACA and Military Retirees

The Affordable Care Act (ACA), also known as ObamaCare, affects Americans in all types of occupations. This includes members of the military, who are provided healthcare through their employment. After retirement, most military members and their families continue to be covered by TRICARE. It’s important for military members to understand their insurance rights under the […]

The ACA and Americans Living Abroad

The laws of the United States affect all citizens, even those living abroad. As a result, many Americans living overseas are curious about what the Affordable Care Act (ACA) means for them. The ACA, better known as ObamaCare, is a law that establishes state Marketplaces for health insurance. Citizens are required to have health insurance […]

ObamaCare and the Ron Johnson Lawsuit

One of the biggest concerns that Americans have about all laws, including the Affordable Care Act (ACA), is whether Congress has to obey the rules they set. Unfortunately, if the majority of American lawmakers vote to exempt themselves, they often do not feel the pain of budget changes and new laws. With the ACA, better […]

ObamaCare and the Middle Class

The promise of the Affordable Care Act (ACA), better known as ObamaCare, was that health insurance would be more affordable for Americans. For many of those in the lower income ranges, this was true. However, for much of what might be considered the “middle class” the changes were not entirely favorable. For many who get […]

United Healthcare and ObamaCare 2015

The Affordable Care Act (ACA), also known as ObamaCare, relies on insurers participating in the marketplaces in each state. When major insurers are reluctant or opt out, citizens in that state don’t have as many choices and the coverage options available may not be as good. When a larger number of insurers participate in a […]

ObamaCare Health Plan Auto-Renewal

The Affordable Care Act (ACA), also known as ObamaCare, faced a lot of challenges in the initial 2013-2014 rollout. As a result, Americans are wondering how their policies will be handled in the next enrollment period, which begins November 15, 2014. The Obama administration has put policies in place to help you maintain health insurance […]

Court Ruling on ObamaCare Subsidies

As the Affordable Care Act (ACA) continues to operate, there continue to be legal challenges. The ACA, also known as ObamaCare, faces legal challenges from states and employers over a number of key provisions. The rulings of July 22, 2014 are a perfect example of this conflict. Two different courts of appeals issued contradictory rulings […]

Hobby Lobby and ObamaCare

Health insurance involves issues that are deeply personal to Americans. In general, individuals are able to make choices about their own insurance needs and convictions. However, with the passage of the Affordable Care Act (ACA), also known as ObamaCare, several closely held organizations believe that the act challenges their beliefs. These organizations, including Hobby Lobby, […]

ObamaCare Funding for State Marketplaces

When the Affordable Care Act (ACA) was passed, the federal government encouraged states to run their own healthcare Marketplaces. The ACA, also known as ObamaCare, provided several levels of funding – some funding was provided to allow states to study the feasibility of a state-run Marketplace, and additional funds were available to provide them financial […]

ObamaCare and the US Economy

The Affordable Care Act, also known as ObamaCare, continues to be a hot topic despite the fact that it was rolled out in September of 2013. Many groups and individuals have conflicting views as to ObamaCare’s impact on unemployment and the national economy overall. What Is the Impact of the ACA on the American Economy?  Although […]

ObamaCare and Entrepreneurs

The Affordable Care Act (ACA), more commonly referred to as ObamaCare, represents a significant shift in the United States’ approach to health care. In the wake of health care reform, one cohort of people who are starting to experience the benefits of the legislation firsthand are the self-employed. The Rise of the Self-Employed Traditionally, entrepreneurs […]

ObamaCare and COBRA Continuation Health Coverage

While the Affordable Care Act, (ACA), also known as ObamaCare, does not make any changes to COBRA, (Consolidated Omnibus Budget Reconciliation Act), it does have an impact if the time comes time for you to decide between the two for your medical coverage. COBRA was enacted to allow workers to keep their current health insurance […]

ObamaCare 2015 Health Plan Updates

As 2015 approaches, which is the second year of the Affordable Care Act (ACA), often referred to as ObamaCare, there will be additional changes. These changes will affect both individuals and businesses and it is important to understand what is coming in the next year. New Insurance Rates  For some, insurance rates may rise. Many […]

ObamaCare Purchaser Data Discrepancies

The Affordable Care Act (ACA), also known as ObamaCare, began its open enrollment in October 2013. The enrollment period ended on March 31, 2014 — but not without a few hiccups, between website glitches and reports of poor health insurance literacy among the previously uninsured. Although these at-a-glance glitches have been well-noted and largely resolved, […]

2015 ObamaCare Taxes and Penalties

Although it has provided a number of benefits to previously uninsured and underinsured Americans, the Affordable Care Act (ACA), also known as ObamaCare, also comes with a set of strict guidelines – namely, a series of taxes and penalties designed to keep the system functional by creating self-sustaining new revenues. Some of these fees have […]

ObamaCare and Senior Citizens

The Affordable Care Act (ACA), also known as ObamaCare, has affected every demographic of American society. One group that was particularly concerned about the changes in health care was senior citizens. Many older Americans are retired and have limited income to work with when it comes to medical bills. In addition, seniors often face more […]

10 Things to Know About ObamaCare Enrollment 2015

One of the changes brought about by the Affordable Care Act (ACA), commonly known as ObamaCare, is that private health insurance is only available during specific enrollment periods during the year. Americans who have significant life changes may qualify for a special enrollment period, but most have to wait until the next open enrollment period […]

ObamaCare and Job Creation

The Affordable Care Act (ACA), also known as ObamaCare, brought many changes to the American health insurance system. Many commentators have expressed concerns about the effect to the economy. One area of particular concern is the impact on jobs. The ACA has created some new jobs by providing funding for Navigators. Navigators help Americans understand […]

ObamaCare Prescription Drug Formularies

When you think of health care, you probably think of doctor visits, hospitals, and emergency care. However, another very important element in any health insurance plan is the coverage of prescription drugs. In the Affordable Care Act (ACA), also known as ObamaCare, prescription drug coverage is one of the 10 essential benefits all new health […]

2014 ACA Subsidy Overpayments

One of the big benefits touted by supporters of the Affordable Care Act (ACA), also known as ObamaCare, is that subsidies are available to help Americans afford health insurance premiums. These subsidies are based on household income and size, and are a tax credit paid in advance to the insurance company you chose. Some households […]

HealthCare.gov Updates for 2015 Enrollment

The Affordable Care Act (ACA), also known as ObamaCare, has many different phases of implementation. In 2015, certain business-related provisions become effective and the tax penalty for not having health insurance will increase. In addition to the changes planned in the law, there are other changes that will affect marketplaces around the country in 2015. […]

ObamaCare Patient Advocates

The Affordable Care Act (ACA), commonly known as ObamaCare, made major changes to the way American consumers accessed private health insurance. In order to make sure that citizens have help in understanding the changes, the government provided grants to states for a Consumer Assistance Program. This program funded the ACA Navigators and In-Person Assister (IPA) […]

ObamaCare & CHIP

When the Affordable Care Act (ACA), also known as ObamaCare, was passed it made many changes to private health insurance. However, the ACA also made changes to the Children’s Health Insurance Program (CHIP). CHIP helps children in moderate-income families gain health insurance. The plan provides a variety of health services such as immunization, emergency care, […]

2015 ObamaCare Enrollment

With the passage of the Affordable Care Act (ACA), commonly known as ObamaCare, private health insurance that individuals purchase on their own went through a lot of changes. One big change was that private health insurance in all 50 states and D.C. is now only available during open enrollment periods. Outside of those times, Americans […]

ObamaCare and Large Employers

The Affordable Care Act (ACA), also known as ObamaCare, is a law that affects how health insurance operates in the United States. However, health insurance affects almost every area of society, which makes the ACA a broad and far-reaching law. In particular, the requirements of the ACA have a significant impact on large businesses. These […]

ObamaCare & Maternity Coverage

The Affordable Care Act (ACA), also known as ObamaCare, made a number of changes to how Americans access health care. By changing the requirements on insurance companies, the ACA made healthcare more accessible to many Americans. In addition, ObamaCare made certain types of coverage mandatory in all new insurance plans. This affected many types of […]

ObamaCare and Pre-Existing Conditions

The Affordable Care Act (ACA), also known as ObamaCare, is a major piece of legislation that affects all areas of the health insurance industry. One of the biggest changes involves how insurance companies handle new applicants who have an existing illness. In the health insurance industry, any existing illness is known as a “pre-existing condition.” […]

2015 ObamaCare: Premiums, Rates, & Predictions

Americans are slowly adjusting to the changes brought about by the Affordable Care Act (ACA), also known as ObamaCare. However, there are concerns that there are still more changes ahead – and that some of these changes to come may not be easy to live with. In particular, there are a lot of questions surrounding […]

ObamaCare for Full and Part-Time Employees

There were many concerns that arose when the Affordable Care Act, also known as ObamaCare, was passed. One of the topics of discussion was the effect ObamaCare would have on the workforce. Prior to the ACA, employers could decide whether or not to offer health insurance to staff. Some companies offered insurance to all employees, […]

ObamaCare Changes in 2015

Many major laws take time to reach full implementation. This is especially true for the Affordable Care Act (ACA), also known as ObamaCare. The ACA takes several years to become fully effective, culminating in 2020. Most of the significant reforms were effective January 1, 2014. These included operational state and federal health insurance marketplaces; regulations […]

Breakdown of ObamaCare Infographic

The Affordable Care Act — often referred to as ObamaCare — has brought many changes to health insurance and the way Americans purchase it. It can be difficult to keep track of all of these changes and the new services that are now offered to Americans as a result of the ACA. In an effort […]

Understanding ObamaCare Subsidies

One of the key features of the Affordable Care Act (ACA), also known as ObamaCare, is that it provides financial assistance for Americans with qualifying income who purchase private health insurance through the Marketplace. To Americans using the Marketplace, the assistance, sometimes called a subsidy, is invisible – they simply pay lower monthly payments to […]

ObamaCare and Doctors and Hospitals

Overall many of the effects of the Affordable Care Act (ACA), also known as ObamaCare, remain to be seen. However, there have already been significant impacts on the functions of doctors and hospitals as insurance companies respond to the law. As a consumer, these changes could directly affect your health care experience, so it’s important […]

ObamaCare and Medicaid Eligibility

When passed, the Affordable Care Act (ACA), also known as ObamaCare, envisioned that every state would expand Medicaid guidelines to include those who made up to 138% of the federal poverty level. This would insure that lower-income Americans, especially those without children or those who would not qualify for financial assistance in the Marketplace, would […]

ObamaCare and the Young Invincibles

Health insurance is purchased for actual physical need or simply for peace of mind. If you’re already ill, or expect to have health issues, your need for health coverage is clear. If you aren’t ill and don’t expect to have health needs in the near future, health insurance can seem like an unnecessary expense. Most […]

Could Your State Become Exempt from ObamaCare?

Many major pieces of legislation are highly controversial, and the Affordable Care Act (ACA), also known as ObamaCare, is no exception. One of the most debated aspects about the law was whether the government could require Americans to have health insurance or pay a penalty. The ACA states that Americans that did not apply for […]

Who is Exempt From ObamaCare?

Most major legislation will almost assuredly ignite some form of controversy. The Affordable Care Act (ACA), also known as ObamaCare, is certainly no different. One of the most contentious parts of the ACA is known as the “individual mandate” – that every American has to have qualified health insurance coverage or they will face a […]

Limited Benefit Plans Under ObamaCare

With the passage of the Affordable Care Act (ACA), also known as ObamaCare, most health insurance plans are required to offer certain essential benefits. They also cannot limit annual or lifetime payouts. As a result, these comprehensive plans may have a substantial monthly premium. This is especially true of plans that have low cost-sharing, such […]

ObamaCare and Calorie Counts

Amidst the controversy over Medicaid expansion and individual mandates, some other important provisions of the Affordable Care Act (ACA), also known as ObamaCare, have been overshadowed. One of these provisions requires calorie counts to be listed for all restaurants and vending machines with more than 20 locations. The initial proposed regulation was issued in 2011. […]

How ObamaCare Affects TRICARE

TRICARE is the medical coverage for those that serve, defend, and protect our nation in the Armed Forces. Many military members are concerned that the Affordable Care Act (ACA), also known as ObamaCare, will affect TRICARE or change the coverage in some way. The ACA does not change the coverage offered through TRICARE. Veterans Affairs […]

ObamaCare Enrollment Deadline Extended

The roll-out of health care reform under the Affordable Care Act (ACA) — more commonly known as ObamaCare — has seen several deadline shifts since the HealthCare.gov website opened on October 1st, 2013. Now, in order to ensure as many Americans as possible have health care coverage, the Obama Administration plans to extend the deadline […]

State Alternatives to Medicaid Expansion

When the Obama Administration and Congress originally envisioned the Affordable Care Act (ACA), also known as ObamaCare, they intended for every state to expand Medicaid eligibility guidelines to include Americans who earn up to 138% of the federal poverty level. However, the Supreme Court ruled that states could not be required to make this change, […]

Grandfathered vs. Non-Grandfathered Plans Under ObamaCare

On March 5th, 2014, the Obama Administration announced that it was giving states the option to further extend non-grandfathered health insurance plans. This announcement created some questions for consumers: What are non-grandfathered plans? Why would they be extended? And most of all, how does this affect me? Understanding Grandfathered Plans The Affordable Care Act (ACA), […]

ObamaCare’s Transitional Policy Fix Update

One of the biggest controversies surrounding the Affordable Care Act (ACA), also known as ObamaCare, is the continuation of non-ACA compliant policies. While policies in existence since March 23rd, 2010, may be grandfathered, depending on changes the insurance company has made to the policy, many Americans found out that their current insurance plans sold after […]

How Americans with HIV and AIDS are Impacted by ObamaCare

The passage of the Affordable Care Act (ACA), also known as ObamaCare, brought significant changes to the health care industry. While there was — and is — much controversy about the law, many of the changes ObamaCare brought were favorable to Americans dealing with chronic illnesses, such as HIV/AIDS. Those with HIV/AIDS have struggled for […]

ObamaCare’s Impact on the Labor Force

Since the implementation of the Affordable Care Act (ACA), also known as ObamaCare, many Americans have had numerous questions and concerns. Perhaps one of the most often repeated questions regards how ObamaCare will affect unemployment and the US economy. Not only are Americans are concerned about the up-front costs associated with ObamaCare, but they are […]

Age Demographics and Health Care Marketplace Coverage

Since the implementation of the Affordable Care Act (ACA), also known as ObamaCare, the government has been trying to encourage Americans to obtain health insurance. Millions of Americans have, but many have not. Understandably, those who have chosen not to obtain insurance are those individuals who least use health insurance. Unfortunately, that drives up the […]