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Navigating the Financial Assistance Maze - Obamacare Subsidies

Get Help Navigating the Financial Assistance Process in Obamacare - Get Subsidies

Confusion Reigns                                                                                                                            NPN #7644850

The Affordable Care Act continues to be a source of confusion and consternation for many of our clients and readers.  Many of the questions we are receiving are centered on financial assistance and the need for clarification from shoppers if they qualify for government help in paying for the high price of health insurance.

 

2015 Obamacare Pricing Analysis - Where's The Savings?

House of Card - ACA Pricing Analysis - Rate Increase Again

Remember all of the promises you were told when politicians were attempting to pass the Affordable Care Act?  Can you recall all of the great benefits we'd see with the passage of the landmark piece of legislation?  I certainly remember many of the lofty goals and utopian outcomes our leaders told us would come to pass if we simply trusted government to take the reins of one our biggest national industries.

While we must allow the law to really make its impact felt before we can make a final judgment on the merits of its ability to improve healthcare quality and increase accessibility, we can weigh in on the major area that all of us feel monthly, which is our health insurance premiums. 

As we've noted several times in the last month, Open Enrollment begins this weekend and we'll be able to get our first view of the pricing of 2015 health insurance plans.  Fortunately, I've been able to get an advanced look at what we'll call "solid estimates" and the results are frankly.....exactly the same as before or worse!  In the past years before Obamacare we would typically expect annual rate increases of 6% to 10% each year.  Sometimes those rates would only climb 4%, and bad years would see 12% hikes.  We've all been told that the Affordable Care Act would "bend the cost curve" and make healthcare more affordable since services would be spread across a larger pool of insured people as the losses providers felt from serving the uninsured went away.  Unfortunately, we're too early to see any real impact or we were simply lied to.

5 Obamacare Surprises Coming in 2015

The end of the year is typically marked by trying to close business deals and get holiday preparations complete.  The last thing we want is a few suprises to interupt our plans or cause us to get distracted.  November 15th will bring the beginning of this year's Open Enrollment and all of Texas Health Design's existing clients will receive new quotes that provide a snapshot of all the plans and companies available for the coming year.  As we've begun our preparations to serve our clients we wanted to bring your attention to a few suprises that are in store for health insurance shoppers for the coming 2015 plan year.

Top 10 Things to Remember About the ACA (Obamacare) in 2015

The 2014 rollout of the Affordable Care Act was challenging and created great frustration in many insurance policy shoppers.  Technological issues hampered many and the size and scope of the changes to the health industry impacted insurers and policy holders alike.  As we near the new Open Enrollment Period we wanted to provide readers a list of key rules and issues you need to know as we begin the new plan shopping year.

ACA Admin Nightmares - Welcome To Reality!

With 14 days left in this Special Open Enrollment period for the initial sign up period of the Affordable Care Act I feel a bit exhausted and vindicated that many of my predictions about the roll out have come to fruition. This post isn't about "I was right", it is really about perspective and trying to craft a strategy that will help us navigate the current environment.

Let me dive straight in and offer a quick summary of the current situation and provide some guidance.

Healthcare.Gov Misconceptions and Failures

Still A Mess

We are almost 7 weeks into the rollout of Obamacare (Affordable Care Act) and I think we can agree that the execution of the implementation has been less than perfect. There are many issues that persist with the ability to access the Healthcare.gov website as connectivity has been brought down to try to fix the structural issues with the flawed portal.

In this post I want to highlight some misconceptions I am seeing that you need to know about right now.

Myth Busting Obamacare - 9 Myths You Need To Know!

Our team is on the phone almost all day long. We speak to so many wonderfully unique Texans that range from health experts to lost searchers needing assistance. We love the diversity of clients that reach out to us and we have made incredible friends with many of them. Interestingly, every conversations we have lately includes some untruth that people have heard or some myth that they've been "sold". To kick off another week of blissful Open Enrollment, we wanted to highlight 9 myths we've heard and try to find some clarity amid all of the noise.

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