With the passage of Obamacare (the Affordable Care Act, or ACA), all Americans are now required to carry minimum essential health coverage (unless exempt). Additionally, healthcare reform has changed requirements for employers providing health benefits packages to their employees. Although the Employer Mandate/Employer Penalty portion of Obamacare was delayed (it was originally set to take […]
Archives for October 2015
How Does Obamacare Affect Medicaid?
Medicaid, a government insurance program designed to provide healthcare coverage for low-income Americans, including the elderly, the disabled, and children, existed before the implementation of Obamacare (the Affordable Care Act, or ACA) and it continues to help many low-income families and individuals receive necessary healthcare. However, who is eligible for coverage and what benefits are […]
Health Insurance for College Students
Prior to healthcare reform in recent years, college students had limited options for health insurance coverage. Most insurers dropped children from their parents’ policies as soon as they reached the age of legal adulthood at 18. Thanks to the passage of the Affordable Care Act (ACA, or alternately, Obamacare), however, there are now more options […]
Health Insurance for Adult Children Living at Home
Prior to the implementation of Obamacare, insurance providers that offered coverage for children under a parent’s policy were allowed to deny access to coverage as soon as a child turned 18 and became a legal adult. Under Obamacare, coverage has been extended to allow parents to continue providing health insurance coverage for their children under […]
Health Insurance for a Pregnant Woman
Did you know that pregnancy is generally considered a pre-existing condition when it comes to health insurance coverage? In the past, this meant that health insurance companies could deny coverage to women who found themselves in the family way. In some cases, they also charged women more for insurance under the assumption that they could […]
Does Obamacare Cover Pre-Existing Conditions?
Healthcare in the U.S. was, for many years, beyond the reach of certain groups of people. Those who were not granted healthcare through employment, for example, often couldn’t afford to pay the high cost of a private insurance plan on their own. There were even some who were offered healthcare via a job that still […]
Obamacare for Disabled Adults
As of 2014, Obamacare, or the Affordable Care Act (ACA), mandated that Americans with pre-existing conditions could no longer be denied health insurance coverage, charged more because of their pre-existing conditions, or limited in their coverage. Disabled adults fall into this category and have therefor benefitted by having greater access to insurance options. In addition, […]
How Will Obamacare Affect Hospitals?
Most people are well aware of how Obamacare, or the Affordable Care Act (ACA), affects the general populace. All Americans must now carry minimum essential coverage where health insurance is concerned or face penalties. To help all Americans select insurance policies, the federal government and individual states have created healthcare marketplaces to provide affordable healthcare […]
Health Insurance for Children
The Affordable Care Act (ACA), more commonly referred to as Obamacare, was designed to ensure affordable health coverage for all Americans, including those underserved groups previously unable to obtain coverage due to factors like low income or pre-existing conditions. Part of this reform included the stipulation that by law, all Americans would be required to […]
What Does Copay Mean in Health Insurance?
Health insurance has always been a complicated beast, especially for the layman. We do our best to understand the differences between HMOs and PPOs, to find the best options for coverage, to figure out how to keep the doctors we’ve been seeing for years when we have to switch insurance due to changing jobs or […]
