Ryan Kennelly

You do not have to be a US citizen to purchase health insurance, but you do have to be a documented (lawful) permanent resident or green card holder. If you do not have legal status in the US, there are still some options available to you (see #2 below). 1. If you are documented, or …

Grandfathered plans are plans that were purchased before March 23, 2010. You can longer purchase grandfathered plans, but you are individuals are able to keep them as long as they would like.  These plans have a grandfathered status and don’t have to follow ObamaCare’s rules and regulations or offer the same benefits, rights and protections …

Yes!  The Affordable Care Act eliminated pre-existing conditions starting 2014. Insurance companies are no longer able to deny coverage, charge more, impose waiting periods, or deny treatment for anyone with pre-existing conditions. The only exceptions are procedures like cosmetic surgery that aren’t considered medically necessary.  The only medical question an insurance company asks that may affect your rates …

Some qualifying events have multiple options, but you only need to supply one document. All letters and/or documents should be signed and dated. In some cases, it is difficult to provide the required documentation (e.g you were / are subletting and do not have a lease or utility bill in your name, etc.). In these circumstances, …

There are a handful of special circumstances and life events that could qualify you for a special enrollment period. This begins 60 days before the trigger event and lasts 60 days after the trigger event date. The most common “qualifying events” include: You or a dependent lose job-based coverage You get married, have a baby, or …

Unfortunately not. The only way to obtain insurance in the immediate future is if you have a qualifying event. If you do qualify for a Special Enrollment Period (SEP) but need something to cover you until Open Enrollment, you should consider a short term medical plan. Short Term Medical plans are an affordable solution that will …

EPO stands for Exclusive Provider Organization. EPOs are similar to HMOs — you have access to a specific network of care providers and there is no out-of-network coverage, except in the case of emergencies. However, you can see specialists without a primary care physician’s referral. Like HMOs, EPOs often have lower premiums than PPOs and your …

Cost Sharing Reduction is a discount that lowers the amount you have to pay for deductibles, copayments, and coinsurance. In the Health Insurance Marketplace, cost-sharing reductions are often called “extra savings.” If you qualify, you must enroll in a plan in the Silver category to get the extra savings. When you fill out a Marketplace application, …