Tag Archives: health insurance exchanges

The Sequester Will Affect Insurance

The sequester will cause a bunch of automatic funding cuts to programs that help thousands of Americans, beginning on March 1, 2013. This can only be prevented if Congress manages to come to an agreement about how to stop it from happening. At the time I am writing this blog, that agreement does not appear to be likely. Here’s how the sequester will affect the insurance that covers you and your family. Unemployment Insurance Benefits People who are laid off, who worked for companies that went bankrupt and closed, or who lost their jobs through no fault of their own … Continue reading →

Universal Orlando Will Drop Health Plans for Part-Time Workers

Universal Orlando is going to stop offering health insurance to part-time employees as of December 31, 2013. Universal is currently offering health plans that are considered to be inadequate according to the regulations in the Affordable Care Act, which goes into affect on January 1, 2014. Universal is one of the largest employers in Central Florida. It has about 17,000 employees. Although thousands of the workers are part-time, only around 500 of them are currently enrolled in the employer sponsored health insurance plan. Other part-time workers are covered under their spouse’s health plan. Still others, who are between the ages … Continue reading →

Final Rules About What Health Plans Must Cover

This is exactly what many health insurance companies, and many families, have been waiting to hear. The Obama administration has issued the final rules that define the Essential Health Benefits that must be covered in all health plans, starting in 2014. Here is a quick look at what will be included. The Department of Health and Human Services has announced a final rule that defines what health insurance plans must cover. The rule applies to both individual plans and the small group markets. The purpose is to give consumers a consistent way to compare one health insurance plan with another. … Continue reading →

Washington Senate Asked to Vote on Reproductive Parity Act

In Washington, a bill called the Reproductive Parity Act is going through Congress. If passed it would ensure that insurance plans that are included in the exchange would continue to cover abortion, (as they do right now). Governor Inslee called for the Washington State Senate to vote on the bill. The Reproductive Parity Act is the name given to bills that would, if passed into law, help women in Washington to maintain their current health insurance coverage when the state health insurance exchange opens in October of 2013. Washington already includes coverage for abortion in health plans that include coverage … Continue reading →

My Broker’s Advice About My Discontinued Policy

In August of 2012, my health insurance company, Anthem, sent me a letter telling me that my policy had been discontinued. Naturally, I panicked. I need health insurance, and this was the only plan I could afford. Later, they sent a letter telling me they were raising the premium cost. What to do? Here’s what my insurance broker advised. After several unsuccessful attempts to find affordable health insurance, I went to see an insurance broker. This brilliant woman found me a plan that was comprehensive and that had a premium that was low enough for me to afford. If I … Continue reading →

Mississippi’s Exchange has been Rejected

This is a first. The federal government has rejected Mississippi’s plan for a state-based health insurance exchange. This is a result of disagreements between the state’s Governor and Insurance Commissioner. It is still possible for the state to create a partnership exchange. The state of Mississippi has a unique situation going on in regards to its health insurance exchange. Governor Phil Bryant and Insurance Commissioner Mike Chaney have had disagreements about what kind of exchange their state would have, and over who has the authority to make that decision. In November of 2012, Commissioner Chaney sent a letter to the … Continue reading →

South Carolina Votes Against State-Based Exchange

Quite some time ago, the Governor of South Carolina, Nikki Haley, decided that her state would not create its own health insurance exchange. Now, the South Carolina House of Representatives have officially voted against a state-based exchange. People who live in the state will still have access to a federal exchange. In September of 2011, the South Carolina Department of Insurance received a federal Planning Grant of $1 million. The purpose of the money from a Planning Grant was to help a state begin working on a state-based health insurance exchange. The governor established the South Carolina Health Planning Committee … Continue reading →

What’s New at HealthCare.gov?

If you haven’t visited HealthCare.gov recently, you will want to go back and take another look. There have been many changes made. Previously, the website was a resource to learn more about upcoming changes in insurance. It still is, but the focus has shifted to helping people get ready for the health insurance Marketplace. HealthCare.gov was specifically mentioned in a recent post by Kathleen Sebelius, Secretary of Health and Human Services. The post first appeared on HealthCare.gov, and also can be read at the White House Blog. The post is titled Countdown to Affordable Health Insurance. It has information about … Continue reading →

Sebelius Announces Countdown to Affordable Insurance

Kathleen Sebelius has written a very interesting post on HealthCare.Gov today. It is titled “Countdown to Affordable Health Insurance”. It gives exciting details about the upcoming health insurance exchanges, and how to access them. Some of you might be able to get help with the cost of coverage right now! Kathleen Sebelius is the Secretary of Health and Human Services. You have probably heard her name mentioned quite a lot in regards to the Patient Protection and Affordable Care Act (which is also called Affordable Care Act or “Obamacare”). Right now, you can go to HealthCare.Gov to read her post … Continue reading →

After Much Bickering, Mississippi Begins Work on Exchange

A total of 20 states have had their plans for a health insurance exchange approved by the Department of Health and Human Services. The state of Mississippi has had their application put on hold, until the state’s Governor and Insurance Commissioner managed to agree about the type of exchange Mississippi will have. The Affordable Care Act requires all states to have a functioning health insurance exchange that is ready to go by January 1, 2014. A total of 20 states have gained approval. (or conditional approval) for their plans for an exchange. The majority of them selected a state-based health … Continue reading →