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The Future of Health Insurance

Since the morning after Election Day, we’ve received calls from clients wondering what they should do about their health insurance and how health insurance may change with a new president on the horizon.

The soundest advice we can offer at this time is to keep your health insurance if you have it, and continue to enroll as usual if you haven’t yet done so for the coming year. At this point in time, the Affordable Care Act is still in effect, which means that having health insurance is still a requirement. Because we do not know what changes will be […]

December 14th, 2016|Categories: Uncategorized|0 Comments

2016 – 2017 Important Dates

Open Enrollment Period is the three months at the end of the year when individuals have the opportunity to shop for new health insurance plans. Below are some of the most important dates to mark on your calendar, including when Open Enrollment starts and ends, and dates when coverage will be effective. We suggest writing them down now, so you don’t miss your chance to get the health coverage you need!

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The Coverage Gap

Years ago, when the Affordable Care Act was first implemented, our country saw high numbers of uninsured individuals, reaching around 42 million in 2013.6 The new health care reform law aimed to make health insurance more affordable and more accessible, and to hopefully lower that number. Several years into the Affordable Care Act, we have seen that astonishingly high number drop. However, there are still multiple reasons people don’t get health insurance. For some of those people, the reason is that they simply can’t.

One initial provision of the ACA was that every state would expand Medicaid to nearly all […]

Keeping Health Coverage With COBRA

If I asked, “what is COBRA?” how would you answer? Hint: the answer is not snake or car… not in this context, anyway. In the world of health insurance, COBRA stands for Consolidated Omnibus Budget Reconciliation Act. If that means absolutely nothing to you, I promise to explain it in a way that makes much more sense.

You’ve probably actually heard of it before, but maybe it never applied to you, or you just didn’t have a desire to learn what it was. The idea is pretty simple, though- COBRA is a federal law that may temporarily let you keep your […]

Changes to Obamacare

As time goes on, some flaws in the Affordable Care Act have become more and more apparent. The Department of Health and Human Services has finalized three changes that will occur next year in the 38 states who use the federal exchange to purchase health insurance. These Obamacare changes coming next year are intended to alleviate some common problems people seem to have when selecting and even using their health insurance plans.

Size of Insurance Networks
The first change relates to the sizes of insurance networks. When a health care provider is removed from an insurance network, the insurance company will […]

September 22nd, 2016|Categories: Uncategorized|0 Comments

What Does ACA-Compliant Mean?

I spend my days sifting through articles and research surrounding the health insurance world. Recently I’ve noticed that a lot of writers write as if they’re only trying to speak to those who understand health insurance in its entirety. Clearly, those who completely understand health insurance are not the majority. Quite the opposite actually.

That said, I think it’s important to clarify some common terms that are frequently used to explain health insurance. Specifically, I’d like to explain what “ACA-compliant” means. I know that I’ve read countless articles with this term thrown around, with little to no explanation on what […]

The ACA Does More than You Know

As a health insurance brokerage, the majority of information we provide is geared toward, you guessed it- health insurance! However, the Affordable Care Act actually spans beyond just health insurance and attempts to improve all things health care. You’ll be surprised to learn that the ACA does more than you know.

I stumbled upon an article that was posted on Twitter yesterday that provides a comprehensive overview of all the ACA has actually done. The article from the White House details a few things most people already know- insurers cannot deny coverage based on pre-existing conditions, children can stay on their […]

Don’t Let Obamacare Ruin Your Tax Return

Image created at memegenerator.net

When you enroll in a Marketplace plan, you’re asked to provide your expected income for the coming year to determine your subsidy eligibility. After you enroll, you’re then strongly encouraged to report any changes in your income in the coming year. As it turns out, there’s a reason you’re told to do this- so that you don’t let Obamacare ruin your tax return.

Do I speak from experience? Yes. Am I bitter? You bet I am. Do I want to help you avoid the same situation? Of course I do. So how did Obamacare affect my […]

Preventive Care for Women

We talk quite a bit about the benefits of Obamacare- from the subsidies available to make it more affordable to no longer allowing insurance companies to deny someone coverage because of pre-existing conditions. However, as a female myself, I feel that one HUGE benefit of Obamacare is not mentioned enough, and that’s preventive care for women.

There is a long, long list (really, about 25 services) of free preventive care services that are available to women under the Affordable Care Act. I’m not going to discuss every single one, but I would like to highlight a few that I have […]

Can I Get Health Insurance Now?

The Open Enrollment Period for Obamacare has officially ended. If you missed the deadline to sign up for a health plan, you may have questions, like “what are my options?” and even “do I have any options at all?” Our answer? There’s always an option!

The Solution
If you missed Open Enrollment and don’t qualify for a special enrollment period, short-term health insurance is a great coverage option that may be available to you, even outside of the national Open Enrollment Period for Obamacare health plans. When searching for a short-term plan, you’ll see plans that feature different deductibles, coinsurance, and other […]

Tips from Cosmopolitan– Who Can Resist?

I don’t believe in keeping good information all to myself- I believe useful, quality articles should be shared so that everyone can benefit. This one particular piece of info comes from what has been one of my favorite magazines since I was in high school- Cosmopolitan. Written in 2015, this article is a little outdated. Besides the tax penalty amount and poverty level (which have since increased), all of the details are pure gold as far as health insurance explanations are concerned.

I enjoyed reading this article for a few reasons:

The article focuses on people in their 20s, who maybe don’t […]

Funny Health Insurance Definitions

We know that health insurance is a pretty heavy subject, so we are among the many who can appreciate a good health insurance joke. We stumbled upon a Buzzfeed article that asked people to define some of the most basic terms. We also took the liberty of adding a few of our own. Give them a read and then check out Buzzfeed’s. Seriously hilarious.

Marketplace (n.)- Where you buy your groceries
Drug List (n.)- what you give your dealer
COBRA (n.)- A terrifying, venomous snake
Metal Tiers (n.)- Seating arrangements at a Metallica concert
Premium (adj.)- Sold a million […]

Health Insurers Dropping Like Flies

Okay, health insurance carriers aren’t dropping as rapidly as the title may imply, but many of our favorite providers have either considered leaving the health exchanges or have already done so. If you’re someone like me who gets unhealthily (no pun intended) attached to your insurance company, you may be curious to know why your favorite insurance carrier may no longer be an option for your health coverage.

Goodbye to Co-ops
Many of us are familiar with big name private health insurance companies- United Healthcare, Anthem, Humana. In addition to those well-known carriers are health insurance cooperatives- alternative health insurers that […]

Infographic – Benefits of Health Insurance

Several articles on our site point to the many benefits of health insurance, but sometimes a simple, visual representation makes ideas a bit more clear. This infographic just touches on what we consider to be three of the biggest benefits of major medical health plans for people of any age- less debt, free preventive care, and overall better health now and in the future. Let us know what you think of the infographic and of the information. What other benefits does health insurance offer you?

Frequently Asked Questions

Do I have to have health insurance?

-Under Obamacare, almost everyone is required to have health insurance, unless they qualify for an exemption. You can learn more about this and several other changes about health insurance here.

Does it cost me anything to use a licensed agent at Health Choice One to enroll in a health plan?

-It does not cost you a dime to work with us. Our services are completely free to you.

What is the benefit to using Health Choice One to enroll in a health plan?

-The biggest benefit is that you have someone who can help you understand health […]

January 14th, 2016|Categories: Obamacare FAQs|Tags: , , |0 Comments

10 Obvious (and not so obvious) Ways to Cut Costs on Health Expenses

Buying health insurance is kind of a catch 22. On one hand, you shell out money every month for something you may never use. On the other hand, though, who actually wants to have a reason to use their health insurance? Never have I heard someone say “gee, I wish I would get sick so I could use this health insurance I pay for.” Regardless of your sentiments towards it, everyone is required to have health insurance now.

If you’ve already spent some time on our site, you may have crossed paths with some ways that you can save money on […]

My Experience Buying Insurance With HCO

Okay, so it wasn’t me who actually bought the policy… it was my boyfriend. BUT his phone was on speaker when he was talking to the agent, and I did chime in with questions, so I still consider this to be an experience of my own, too. But let me back up a second.

Hurry Up and Wait
So it was the night before the December 15th deadline for coverage to be effective the first of the new year. My boyfriend, Sven (that’s not really his name, but wouldn’t it be cool if it was?), is not offered health insurance through his […]

January 14th, 2016|Categories: Uncategorized|0 Comments

Offsetting High Deductibles

When you’re in the market to buy health insurance, it’s tempting to go with what’s cheap. However, what costs you less each month won’t necessarily cost you less in the long-run because your out-of-pocket expenses can get pretty hefty if you actually need to use your insurance. Luckily, Health Choice One has a solution to this dilemma and can still provide you with extensive coverage for a great price.

Lower Premiums for a Higher Cost
When you’re comparing plans in the Health Insurance Marketplace, you’ll obviously see plans that have lower premiums, and plans that have higher ones. Typically, the […]

January 14th, 2016|Categories: Uncategorized|0 Comments

What HCO Can Do for You

It’s a well-known fact that most people don’t enjoy shopping for health insurance. That’s actually putting it lightly, because a 2014 Bankrate study found that almost a third of Americans say health insurance shopping is as bad as having a tooth filled and 74% of them say it’s at least as bad as being squished into the middle seat on an airplane.1 Sounds about right.

If you’re looking to enroll in health insurance, working with Health Choice One has many perks. We promise that it won’t be any worse than getting a paper cut. Just kidding! It’s painless and has several […]

January 14th, 2016|Categories: Uncategorized|0 Comments

Think Twice Before You Cancel Your Health Insurance

As a writer for this site, it is my job (one of my jobs, anyway) to stay on top of issues plaguing the health insurance world, and more importantly, the consumers of health insurance. This requires hours of reading and research of blogs, news articles, and information on government-run websites. My recent research has increasingly shown complaints about the high costs of deductibles and out-of-pocket maximums. Of course no one wants to pay high costs for any sort of medical care; I can’t say that I don’t empathize with that feeling. However, what I can say is that the solution […]