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Health Insurance Reform

Health reform Help!

Tuesday, June 11th, 2013

QUESTION FROM SANDRA :

  I do not have health care now because I cannot aford it. What will happen?

Nusurance Answer: You will need to sign up between October 1 and December 7th for Coverage Starting January 1, 2014. Please reference the chart below, if your family falls into 100% of the Federal Poverty level you will have to sign up with the FLORIDA PUBLIC HEALTH EXCHANGE, which will be operated by the federal government (not through an Agent or Agency). At this your entire cost for health care (@ 100%) will be subsidized under Medicaid. If you are above 100% of the poverty level you will get subsidized. How Much? Go to the Nusurance health Exchange  — www.southeasthealthexchange.org

Here you will find a subsidy calculator.  

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48 Contiguous States and DC

Note: The 100% column shows the federal poverty level for each family size, and the percentage columns that follow respresent income levels that are commonly used as guidelines for health programs.

Household Size

100%

133%

150%

200%

300%

400%

1

$11,490

$15,282

$17,235

$22,980

$34,470

$45,960

2

15,510

20,628

23,265

31,020

46,530

62,040

3

19,530

25,975

29,295

39,060

58,590

78,120

4

23,550

31,322

35,325

47,100

70,650

94,200

5

27,570

36,668

41,355

55,140

82,710

110,280

6

31,590

42,015

47,385

63,180

94,770

126,360

7

35,610

47,361

53,415

71,220

106,830

142,440

8

39,630

52,708

59,445

79,260

118,890

158,520

For each additional person, add

$4,020

$5,347

$6,030

$8,040

$12,060

$16,080

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Health Care Reform Questions !

Monday, June 10th, 2013

Health Care Reform Questions !

Q.  What is a Health Insurance Exchange?

A. There will be PUBLIC Exchanges and PRIVATE Exchanges. The PUBLIC Exchanges will be run by either the State Government, The State and Federal “Cooperative” Partnership, or Federal Government. PRIVATE Exchanges are / will be portals to insurance agents or agencies.

Q. What is the difference between the two?

A. Based on an individuals personal situation they may be eligible for some premium relief in the way of subsidies. You will be able to apply for those subsidies ONLY THROUGH A PUBLIC EXCHANGE.

Q.Will I be able to purchase the insurance between the exchanges?

A. Yes, if you are entitles to subsidies you will purchase through a PUBLIC EXCHANGE, otherwise you may use a PRIVATE EXCHANGE?

Q. If I do not qualify for subsidies can I use either exchange?

A. Yes.

Q. Then why should I use a PRIVATE EXCHANGE?

A. There will be a wider variety of plans and price selections on the PRIVATE EXCHANGES.

Q. What is a navigator ?

A. Navigators will be employed by or contracted by the PUBLIC EXCHANGES. Their duties primarily will be to help individuals access their qualifications for premium subsidies and explain the process.

Q.What will agents do.

A. Explain coverages for individual and families and suggest which products for the needs of the insureds.

If you have a questions ask it here  :

Health Care Questions Answered

Are you confused about Health Care in 2014?
  • Individual or Business - We have several of our agents in class to learn about the up and coming Health Changes - We will do our best to answer your questions and reference our answers .

 

 

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