Try not to worry! You aren’t the only one who underestimated your income last year and received a subsidy. For many, it’s hard to know when a new job will come or what income will look like next year. The government isn’t going to come after you, but you will have to pay back at …
No. Health insurance agents and brokers are paid a commission by the health insurance company. Your insurance rates will always be the same whether you use an agent or buy directly from an insurance company. For no additional charge, an insurance agent can provide advice and assistance during the insurance application process.
Even though Open Enrollment is over for 2017, you can still get 2018 health insurance: With a Special Enrollment Period (SEP) – like if you have a baby, get married, lose job-based coverage, or have certain other life changes. With Independent Health Agents, we’re here to get you the coverage you need WHENEVER you need …
If you are offered coverage through your employer, you can enroll in a Marketplace plan instead, but you probably won’t qualify for a premium tax credit and other savings — even if your income would qualify you unless your employer plan is considered unaffordable. An employer health plan is considered “affordable” if your share of …
Q: I need emergency care, but I’m outside my network. Will I still be able to be covered by my plan? A: As long an emergency is considered life-threatening, it will be covered as in-network, regardless if the hospital is in your plan’s network.
All Marketplace health plans and many other plans must cover the a list of preventive services without charging you a copayment or coinsurance (i.e. free). This is true even if you haven’t met your yearly deductible. In Depth: What’s Covered IMPORTANT: These services are free only when delivered by a doctor or other provider in your …
The new “Special” Open Enrollment period for ACA health insurance in 2022 was January 15, 2023. If you miss the open enrollment period, the annual open enrollment period begins November 1st – December 15th for Obamacare Open Enrollment for a January 1st, 2024 start date . Healthcare.gov Open Enrollment Deadlines: November 1, 2023: Open Enrollment begins. …
Almost anyone can become an insurance broker. This is apparent by the hundreds of websites offering health insurance services. However, most of these websites sell insurance policies employ call centers and temporary workers who are not familiar with a state’s insurance market or plan. Other websites sell your information to several agents and have them compete …
Q: What’s the Difference Between an HMO and a PPO? A: With a PPO, you can go to any health care professional you want without a referral, inside or outside of the plan network–though be advised you still will usually see higher out-of-network costs or might have to meet a separate out-of-network deductible. With an HMO, …
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