2 thoughts on “Schedule A Call

  1. So glad I visited. I submitted my info and got a phone call. We reviewed my income and my husband’s income. I got $328 federal money to help pay for health insurance. I still have to pay $204 a month but that is much better than paying the entire cost.

    Obamacare works for me!

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Obamacare Overview

Applying for Obamacare is easy. Here is the basic overview:

      1. Work with an agent to see if you are eligible for a reduced rate. About 56% of Americans will get a portion of their health insurance paid for by the federal government.
      2. Once the subsidy level is determined. An agent will populate your unique healthcare quotes, so you will be able to see all the available plan options from all the health insurance carriers.
      3. After the plan benefits are reviewed, the certified agent will help you submit your Obamacare application and ensure the reduced rate is processed.

*All assistance provided is no cost to you. Purchasing a plan through Obamacare / the Federal Exchange is not the best option for everyone. A Health Insurance Plan Comparison and Consultation will be the best way for individuals and families to find affordable health insurance and see all their options.

NOTICE: It is important to understand the ACA eliminates medical underwriting. A person’s height and weight or pre-existing conditions do not affect one’s health insurance premium.

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What is Obamacare

Many Americans are still confused on what changes are to come with the Affordable Care Act and Healthcare Reform, also known as Obamacare. Here are the most important changes to individual and families who have to purchase their own health insurance:

  • Any policy effective 01/01/2014 will have no underwriting and no penalties for pre-existing.
  • Individuals and Families who pay for their own insurance, will receive Federally subsidized rates. So the US Government will help pay for up to 80% of your health insurance premium. It is estimated 56% of Americans will qualify for a subsidy.
  • Starting January 2014 you must have health insurance or you will receive a penalty on your 2014 tax return. The penalty is up to 1% of your earnings and it goes up to 2.5% of your income.
  • If you buy your own health insurance you must sign up during Open Enrollment, between now and 03/31/2014 in order to purchase credible coverage. If you try signing up after this period you will have to wait until January 2015 to be covered.

 

One thought on “What is Obamacare

  1. I am married with 5 children at home. We are self employed. We qualified for medicaid in the state of Ohio for the past several years. I am working to improve my income as I have gone back to school and now I am preparing to get my state license in a trade. Paying for insurance is nothing new to me, being self employed it’s a big part of my business and a major cost. I might have to continue using the medicaide program unless demand for my services goes up substantially… I’m concerned about the having to wait until 2015 to sign up if things change for me..I guess I can just pay the penalty. I plan to wait and see what happen to the economy and my business?

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Health Insurance Quotes

It is important to understand that American’s currently have two options when buying health insurance.

The best option depends on your situation. This is why you must call us for free guidance.

Here are some examples:

FIRST EXAMPLE: If you are 45 years old and very healthy and earn over $46,000 a year, you want to buy a private health insurance policy (Option 1). This will save you the most time and you can apply directly with the company. You do not need to apply through the government.

SECOND EXAMPLE: If you have a moderate income (Over $12,000), then Option 2 would be your best choice.

All of this may seem extraordinarily confusing. This is why the Federal Government has Federally Facilitated Marketplace (FFM) Certified Agents. Who can assist you in finding the best option for you.

Some things to consider when checking on quotes and plan options.

      • Does my doctor accept this coverage?
      • Is my local hospital in-network?
      • I travel for work, is this a regional plan or national PPO?
      • Is this an HMO that requires referrals?

Sometimes people simply buy the lowest quoted premiums, when really their needs require a higher level of coverage. No matter what you situation we can Help You Get the best Health Insurance Plan and shop all options.

6 thoughts on “Health Insurance Quotes

  1. It’s not fair that Alabama residents should be punished because our
    Governor is a physician who is on looking out for the interest of other doctors, and not the interest of the health of the people of Alabama.

  2. By the way, feel free to publish this comment. I do not feel that the government has the right to force me to have insurance. I believe it is un-Constitutional. President Obama and our legislature has tramped on own freedom. If I could afford to move my entire family out of this country, I would!!!!

  3. Why are the premiums and deductible amounts so in the stratosphere?? Do not know which plan to apply for . Insurance will not pay until the enormous deductible is paid. Why not just pay the doctor ect. anyway, most of us will never hit or go over our deductible. The insurance companies are the next fall of the economy as applies to the common citizen of the USA!!!!!! SOMEONE GET ME OFF THIS RIDE!

    1. Keep in mind all plans have 100% preventive coverage. This means you pay $0 for preventive. Also, most plans offered do have copays. Most plans allow the copay instantly, you do not have to meet your deductible.

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Understanding Subsidy

Subsidized Obamacare rates are based on laws passed with the Affordable Care Act (ACA). The reduced insurance premium is based on a few things.

  • Size or your household.
  • Amount of money your family earns.
  • Area of your state in which you live.
  • Age of applicants.
  • Smoking or non-smoking status.

NOTICE: If your family earns LESS than $250 a week, click here to view other options.

When calculating the Obamacare subsidies the federal government will review the household’s Adjusted Gross Income or AGI. This number appears on the bottom of the front page of your taxes if you file a 1040.

Here is a basic chart to help see if your household may be eligible for Federal subsidy.

      • Individual: Earning under $46,000
      • Family of 2: Earning under $62,000
      • Family of 3: Earning under $78,000
      • Family of 4: Earning under $94,000
      • Family of 5: Earning under $110,000
      • Family of 6: Earning under $126,000
      • Family of 7: Earning under $142,000

If your family household income is under these amounts you should visit our Help Me Get My Health Insurance site and shop plans now. This is the best way to reach a local Certified Agent to help you apply for Obamacare Subsidy.

If you earn more money than these amounts you should get a quote on private health insurance.

7 thoughts on “Understanding Subsidy

    1. It would depend on your income, the standard rate for bronze is around $600 a month; however, ON-Exchange coverage can limit you to 9.5% of your income. For example, if you are single and earn around $36,000 you would only pay around $300 a month at age 62.

  1. I have a permanent residence address in San Clemente, California but I am serving as a missionary in Port au Prince, Haiti. I am home for a 3 months. I am wondering if Obama Care applies to me, and if I am even eligible for consideration, or if I am required to have it. Out of the information loop!!

    Thank you,

  2. I have low income, and need free insurance were can i find this? What are the penalties if i can not get free insurance and there for do not become insured?

    1. The penalty for the 1st year is 1% of your income, then 1.5%, then 2.5% by year 3. Many people are getting free coverage. Please take your time and review the information on this page.

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Applying for Obamacare

The first step in applying for Obamacare is to decide how you want to proceed with your quote and application. Apply Online:

Alabama
Alaska
Arizona
Arkansas
California
Colorado
Connecticut
Delaware
District Of Columbia
Florida
Georgia
Hawaii
Idaho
Illinois
Indiana
Iowa
Kansas
Kentucky
Louisiana
Maine
Maryland
Massachusetts
Michigan
Minnesota
Mississippi
Missouri
Montana
Nebraska – or Check Short Term Options
Nevada
New Hampshire
New Jersey
New Mexico
New York
North Carolina – or Check Short Term Options
North Dakota
Ohio
Oklahoma – or Check Short Term Options
Oregon
Pennsylvania – or Check Short Term Options
Rhode Island
South Carolina – or Check Short Term Options
South Dakota
Tennessee
Texas
Utah
Vermont
Virginia
Washington
West Virginia
Wisconsin
Wyoming

If your entire family earns less than $250 a week you may want to shop with our partners to view other options.

*NOTICE: You will need to have a free consultation if you want personal assistance in determining your Federally Facilitated Marketplace (FFM) rate and subsidy. It is estimated that 57% of Americans will be eligible for a reduced health insurance rate. Our FFM Certified staff can assist you with this process and assure you receive your entitled subsidy.
Apply for Obamacare by Phone: If you want to save as much money and time as possible you will need to speak with a Certified Agent to check your eligibility for a federally subsidized rate. This option will save you the most money.
Before speaking with a FFM Certified Agent (a free service) you will want to know some basic information:

  • How many members of your household will need health insurance?
  • Approximate monthly income or Annual Adjusted Gross Income (AGI) for your household?
  • Once you have this information you should call us so our live FFM customer support line can implement the subsidy to determine your lower rates. Once this happens we can email you quotes from all the health insurance carriers in your area.

 

10 thoughts on “Applying for Obamacare

    1. Hello, the application does not have a location as much as it has a process. The first thing you must review is all the information on this site, and being with the Subsidy page. If you are not eligible for subsidy and are of reasonable health, then you will want to get a 2013 quote as soon as possible and try to buy coverage in 2013, because the 2014 rates are very high.

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