How to Apply for Individual Health Insurance (Post-2014)

By Zane Benefits ZaneBenefits.com How will people apply for individual health insurance post-2014? What questions will be asked, and how will the process work? These are common questions. If employees are familiar with applying for individual health insurance now, the application process will change in 2014 because of health care reform.  Our biggest tip t...

How to Apply for Individual Health Insurance (Pre-2014)

By Zane Benefits ZaneBenefits.com When small businesses are setting up a "pure" defined contribution plan, employees often have questions about how to apply for individual health insurance. With only 6% of the non-elderly population currently insured with an individual health insurance plan, it's not surprising that many employees are unsure about app...

PPACA sticker shock - Study says half who buy own health plan now will get subsidies

BY RICARDO ALONSO-ZALDIVAR benefitspro.com WASHINGTON (AP) — About half the people who now buy their own health insurance — and potentially would face higher premiums next year under President Barack Obama's health care law — would qualify for federal tax credits to offset rate shock, according to a new private study. Many other...

Video: You May Lose Your Health Insurance at The End of 2013, Unless You Act Now

Video: Health Insurance Renewal Options for 2014.  Unless You Act NOW, you may lose your health insurance at the end of December 2013.  The promise that you can keep your plan is  NOT true.  Keep your eyes open to take action.

Why The Obamacare Data Hub Will Lead To Identity Theft

http://www.forbes.com/sites/theapothecary/2013/08/12/why-the-aca-data-hub-willi-lead-to-identity-theft/ Forbes.com By Robert Book, Contributor Why The Obamacare Data Hub Will Lead To Identity Theft US President Barack Obama speaks during a press conference November 14, 2012 in the East Room of the White House in Washington, DC. (Image...

Video: Missing the Mark on Obamacare and What You can Do to Hit Your Target

Video: The healthcare law imposed 82 deadlines onto the Obama Administration.  They missed exactly half of all the deadlines in three years.  Does this mean it will fail? The Obama Administration has already delayed several key components of the law.  They still believe the health insurance exchange, or known as marketplace, will be ready on time.  Although,...

Missing the Mark on Obamacare and What You Can Do to Hit The Target

The healthcare law imposed 82 deadlines onto the Obama Administration.  They missed exactly half of all the deadlines in three years.  Does this mean it will fail? The Obama Administration has already delayed several key components of the law.  They still believe the health insurance exchange, or known as marketplace, will be ready on time.  A...

HHS Inspector General: Obamacare Privacy Protections Way Behind Schedule; Rampant Violations Of Law

Article is on Forbes.com by Avik Roy, Contributor Avik Roy, Contributor WASHINGTON - MAY 13: Former Social Security Administration Commissioner Michael Astrue speaks during a news briefing May 13, 2011 at the Treasury Department in Washington, DC. (Image credit: Getty Images via @daylife) It hasn’t been a dull summer for Obamacare ...

Workshop: What Businesses Should Know About Healthcare Reform September 12, 2013

Breakfast with BCI presents  Workshop: What Businesses Should Know about Healthcare Reform  Description:  The Affordable Care Act is bringing significant changes to how  American businesses and citizens access and pay for health care.  These changes can be difficult to discern and understand, causing employers to have misinformation that is co...

A Limit on Consumer Costs is Delayed in Health Care Law

August 13 2013 By ROBERT PEAR New York Times WASHINGTON - In another setback for President Obama's health care initiative, the administration has delayed until 2015 a significant consumer protection in the law that limits how much people may have to spend on their own health care. The limit on out-of-pocket costs, including deductibles ...

Obamacare and His Claim of $500 Million In Rebates

The White House continues to talk about the success of the Affordable Care Act aka Obamacare.  I think it was said that $500 million in rebates were awarded to 8.5 million Americans.  And it was said that that saves you Money.  Well I must beg to differ.  I got my rebate in the mail yesterday.  It was $13.  So according the law, my premium was about $1 per m...

Obama is Not Clowning Around; Or is He?

This week started out with someone being banned from the rodeo in Missouri for wearing a mask that resembles the face of President Obama.  If it was a mask of anyone else, like we have seen in the past, we would have never heard about it, outside of the rodeo itself.  After all, it is just some plastic and a rubber string, right?  What if Obamacare was...

Another Carrier Leaving The Individual Market

Independence Holding  Company (IHC) announced it was leaving the individual health Insurance market.  That makes 15 carriers that have left the market since the passage of the Affordable Care Act.  Some of the more notable carriers that have left the market are Principal Financial, World and American Republic (sister companies) and American Community.  IHC t...

In the Shadows of Auto Insurance

If you take a look at your insurance policy or Auto Insurance ID cards, you may notice that the "issuing insurer" name may be vastly different from the brand name you recognize as your insurance carrier.  Do not fear, you're still covered by the name brand company.  There are just some legal technicalities at play.  There are three main strategic advantages ...

Celtic Insurance Stops Taking Applications

Celtic Insurance company has stopped taking applications on the individual market until the October 1, beginning of the Affordable Care Act’s open enrollment.  Celtic was formed in Chicago in 1978.  In 2008, Celtic was acquired my Centene Corporation (NYSE: CNC).  Celtic has been a quality provider of health insurance for many years.  They have a unique oper...

Delays Plague Healthcare Reform

With less than 60 days before open enrollment is scheduled to begin, the implementation of the Affordable Care Act or ACA continues to be plagued with delays.  While delays and government seem to go hand in hand, the ACA implementation slowdown is raising serious concerns about whether the October 1st implementation goal is realistic and if consumers will re...