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What Do We Offer?

The Patient Protection and Affordable Care Act, commonly known as Obamacare, became effect on January 1, 2014.

Overview of the Patient Protection and Affordable Care Act

  • It allows you to add your children up to age 26 to your health insurance plan.
  • You won't have a co-pay for wellness or pregnancy exams.
  • Your insurance company can no longer drop you if you become sick.
  • It can't limit the coverage you receive over your lifetime.
  • If you have a pre-existing condition, you no longer have to worry about losing coverage if you change your insurance.
  • Insurance companies must submit justification to the states for all rate hikes.
  • You may receive a rebate from your insurance company. Obamacare requires that carriers spend at least 80% of premium payments on medical services.

If You Already Have Health Insurance

You can also keep an employer plan (including COBRA), a retiree plan, Medicare, Medicaid, CHIP, TRICARE and other veterans health care programs, and Peace Corps Volunteer plans.

If You Don’t Have Health Insurance

An individual mandate requires you to secure an approved private insurance policy for at least nine months out of every twelve or pay a penalty as much as 2% of your income on your 2016 tax return.

The annual enrollment period is November 1-January 31. Health insurance exchanges allow you to compare health plans and help you find out if you qualify for subsidies or free healthcare through Medicaid. States are given substantial Federal grants to fund the exchanges and expand Medicaid.

If You Can't Afford Health Insurance

You will qualify for Medicaid if your income is 138% or less of the Federal poverty level. The federal government funds Medicaid expansion 100% through 2017, and 90% after that. If you don't qualify for Medicaid, you may still be eligible for a subsidy. You will be eligible if your income is between 100% and 400% of the poverty level. You can get the tax credit each month, instead of waiting for your annual tax rebate. You may also qualify for reduced copayments and deductibles. You may also qualify for an exemption from the tax if your income is too low, and your state hasn't expanded Medicaid, and a variety of other hardship situations

If You Are on Medicare

You now receive many wellness and preventive care visits for free. If you have Medicare Part D, Obamacare helps pay for your prescription drugs if you fell into the "donut hole." By 2020, the donut hole will be eliminated.

Types of Health Plans: How They Compare

Available plans are organized by the level of benefits they offer: bronze, silver, gold, and platinum. Bronze plans have the least coverage, and platinum plans have the most. If you are under age 30, or over age 30 and meet the guidelines for a hardship exemption, you may also be able to buy a high-deductible, catastrophic plan.

  • Platinum: covers 90% on average of your medical costs; you pay 10%
  • Gold: covers 80% on average of your medical costs; you pay 20%
  • Silver: covers 70% on average of your medical costs; you pay 30%
  • Bronze: covers 60% on average of your medical costs; you pay 40%
  • Catastrophic: covers less than 60% of the total average cost of care and must also cover the first three primary care visits and preventive care for free, not subject to your deductible.

We are licensed Health Insurance brokers in New Jersey, Pennsylvania, and Virginia. Call us at 877-399-7077 or have a broker contact you to discuss your Health Insurance needs and objectives.

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