So you think you can make this EASY? Now that is FUNNY!
Most Americans do not know that March 31st 2014 is the deadline to sign up for Obamacare.
NEW YORK, Jan. 27, 2014 /PRNewswire/ — More than half of Americans (55%) still do not know the deadline to sign up for health insurance under the Affordable Care Act, according to a new Bankrate.com (NYSE: RATE) report. In fact, about one in four Americans (24%) incorrectly think the deadline already passed on January 1, 2014. And 11% wrongly think they have until December 31, 2014 to sign up, a full nine months after the March 31, 2014 deadline.
Many Americans are not taking the deadline to sign up for Obamacare seriously. Sixty-two percent of Americans – more than three in five – think the government will push the deadline back to a later date.
“While the Obama Administration has changed many of the other Affordable Care Act deadlines, Americans should not assume that the March 31st deadline will be moved,” said Bankrate.com insurance analyst Doug Whiteman.
Despite major undertakings to inform young adults about the Affordable Care Act and the upcoming deadline to sign up for health insurance, 18- to 29-year olds are the most confused about the cutoff date and the most likely to think the government will push back the deadline.
“Granted, many people who aren’t paying close attention already have health insurance through work. But it’s especially worrisome that young adults – who are the most likely to be uninsured – are the least informed about the deadline and the most likely to think it will be moved,” said Whiteman. “Obamacare’s success hinges on young, healthy Americans signing up, so if they continue to procrastinate past the deadline, it could cause insurance premiums to increase.”
Also, people who miss the March 31st deadline will have to wait until next year’s open enrollment period if they decide they want health insurance, unless they experience a qualifying event such as marriage in the interim.
Americans with annual household incomes of $30,000 to $49,999 are the most likely to know the correct Obamacare sign-up deadline.
So far, about 80% of those who have signed up for coverage under the Affordable Care Act have received a subsidy from the federal government. Bankrate.com has a free calculator that helps consumers determine their eligibility and compare costs:
These results comprise Bankrate.com’s Health Insurance Pulse, a monthly survey that tracks how Americans are feeling about health care and their personal finances. The survey was conducted by Princeton Survey Research Associates International (PSRAI) and can be seen in its entirety here:
November 18, 2013
This is what Obamacare should have done in the first place. Let the private sector provide the solution!
On a mission to help people bypass distressed health-insurance websites, the Obama administration said it may allow big insurers to directly sign up those who qualify for tax credits, The Wall Street Journal reported Monday.
Currently, customers who are eligible for subsidies can get them only when purchasing coverage on the exchanges. The Obamacare website was launched on Oct. 1 and since then has had various technical problems.
The new concession can help some people work around troubled insurance websites, including HealthCare.gov. The administration said it is working with insurers to eliminate the technical hurdles for the plan, according to The Journal.
Just use this link to enroll in a BlueCross BlueShield plan.
October 25, 2013
The troubled federal health insurance website will be fixed by the end of November, giving uninsured Americans two weeks to get signed up in time to have health insurance by the earliest possible date, officials pledged Friday.
One of the main government contractors, QSSI, has been assigned to oversee the fix, says Jeff Zients, the newly appointed chief White House economic adviser who’s been tasked to fix the logjammed website.
“We are confident that by the end of the November, healthcare.gov will be smooth for the vast majority of users,” Zients told reporters on a conference call.
“Over the last week we worked with a team of experts to conduct an assessment of the overall state of the healthcare.gov site,” Zients said. They lent “fresh eyes” to the problems plaguing the site. “The system is getting better,” he added. “There is a lot of work to do but healthcare.gov is fixable.”
The website, which was promoted as a kind of Travelocity.com for buying health insurance, has been an embarrassment to the Obama administration since it opened Oct. 1. Health and Human Services Secretary Kathleen Sebelius says she did not know it would be such a disaster.
“I didn’t realize it wouldn’t be operating optimally before the launch,” she told reporters while on a tour of East Austin Health Center in Austin, Texas, where she watched counselors help people struggling to use the website.
“We knew if we had another six months, we’d probably test further,” Sebelius added.
On Thursday, several contractors, including QSSI, told a House committee that the site wasn’t tested “end to end” until just two weeks before launch. They said they’d have preferred to have had months to test it.
Agents and Brokers Are More than Just Navigators
WASHINGTON, Oct. 22, 2013 /PRNewswire-USNewswire/ — As millions of consumers consider purchasing health insurance through the insurance marketplaces set up as part of the Affordable Care Act (ACA) – and as some face problems accessing the program because of failures of the government’s website – they should be aware of an option they may not know they have: Consulting their local professional, independent insurance agent or broker for help in enrolling.
Consumers may already know that there are “navigators” paid by the government who are available to assist them in enrolling in policies under Obamacare. But they may not be aware that under the law, navigators cannot offer advice or recommend one policy over another.
Professional insurance agents, on the other hand, are free to offer a much higher level of assistance. Consumers don’t pay for this service. In addition, in most states navigators are not required to be licensed or to comply with state-mandated continuing education requirements; they are also not required to maintain professional liability insurance coverage. Agents and brokers must be licensed and must comply with all of these requirements, along with all state laws and regulations. Click here for the rest of the article.
October 14, 2013 still stuck in the waiting room at the Health Insurance Marketplace.
After 47 attempts I have finally established an account at the Health Insurance Marketplace. I was able to complete my application and apply for tax credits, but when I try to log in to shop for insurance I get the “unexpected error” message over and over.
One of the biggest frustrations of the Health Insurance Marketplace is we have to create an account before we can even look to see what health plans are available and what they cost in our area. So I was excited when the Health Insurance Marketplace announced it had launched a new tool where we can see the health plans available without establishing an account, until I found out all it displays is Insurance Company, plan name, and metallic level.
There are no plan details like deductibles or co-pays, and the cost estimates are based on some odd formula that was way off for my actual cost. Plus the prices do not take into account the subsidies people may be eligible for based on their income.
Additionally, I was surprised to discover there will be a combined 80 plans from 7 insurance companies to choose from in my county. Talk about information overload; how is a person unfamiliar with buying insurance plans supposed to evaluate and navigate 80 plans?
One solution is to go directly to the insurance company. If you live in Texas click this LINK and it will take you to BlueCross BlueShield of Texas. You will be able to see plan designs and costs plus use their subsidy estimator tool to see what your cost savings will be with the tax credits. You can get started today and get the coverage you need, call (512) 656-9378 for help.
Outside of Texas call our Funny Healthcare Fulfillment Center at (888) 551-5405, we are ready to help you get through this complicated maze. Once the Health Insurance Marketplace can get their act together we will help narrow down plans that are the most beneficial for you. But until then we are stuck in the waiting room of the Health Insurance Marketplace.
October 4, 2013 Welcome to the Health Insurance Marketplace: Please wait…………
Since I can’t get pass the second page of the application I am done trying to establish an account at the new Health Insurance Marketplace this week.
I called the toll free number for help and was surprised how fast I was able to speak to a live person. He was very cordial and professional but all of his responses were scripted and stated the problems were caused by the high volume.
My fear is it is more than the overwhelming volume as the administration claims, but that software design might also be a problem as well. I am glad I am not in charge of the website.
I hope they get it figured out quickly so we can start seeing the actual insurance plans; which creates a whole different problem.
Think about this. There will be eight Insurance carriers that will offer a total of 79 plans where I live in Williamson County Texas. Anyone in sales knows to never propose more than 3 options or else the prospect will get confuse and do nothing. Do you really think a newbie government Navigator will be able to help the average person make an informed educated decision from 79 options? No, that is why it is so critical to use the help of an experience insurance agent? Plus it is FREE!!!!!
So if you just can’t wait and you want to find out what the cost of your insurance will be go directly to the insurance company or use a certified Health Insurance Marketplace Agent. If you live in Texas go to BlueCross and BlueShield if you live outside Texas just call (888) 551-5405 for a Funny Healthcare Agent.
Remember coverage does not start until January 2014; you have until December 15, 2013 to sign up. You can also sign up as late as March 2014.
Enjoy your weekend
October 2, 2013 Everybody needs to take a chill pill about the glitches in the new health insurance Marketplace.
We all knew it was going to happen; millions of us on a brand new website have been waiting for it all year. There are so many individuals hoping to secure insurance for the first time.
Since midnight, 2.8 million people visited HealthCare.gov. That is more than I would have ever expected. Glad they did all call or email me!
The ones that did call me throughout the day were freaking out that they could not get an account set up. I found myself caught up in the hysteria as well. Don’t they know I have people counting on me to clear this all up in one day because open enrollment lasts only 6 months? Oh yeah that’s right, we have lots of time to figure this out…
Then a good friend of mine pointed how this is a good thing and I need to remind people there is an easy way and a hard way to get coverage.
Individuals have until December 15, 2013 to get signed up for a January 1st start date and open enrollment goes through March 2014. Take this time to learn about your option with our education programs instead of wasting your time banging your head on your key board.
When they have all the glitches ironed out we will let you know and you can sign up easy as pie and stress FREE with us.
Obamacare Made Easy Update September 25, 2013
Health insurance rates lower than expected in 36 states!
WASHINGTON (USATODAY.com) – Most Americans buying insurance from new state health exchanges will have at least two insurers to choose from, and six out of 10 people could pay less than $100 a month in premiums, a report to be released Wednesday by the Department of Health and Human Services shows.
The report analyzed insurance plans and premiums in 36 states where the federal government will either run or help run the exchanges, which are websites where state residents can shop for and buy health insurance starting Oct. 1.
In those 36 states, 95% of people will have two or more plans to choose from, while the average premium for all states and all ages will be $328, according to HHS. However, anyone who makes less than 400% of the federal poverty level, or about $94,000 for a family of four, will be eligible for a federal tax subsidy that will immediately be deducted from the cost of the insurance policy.
Wednesday’s report is the latest review of exchanges’ rates and policies from HHS and various states. Most have shown lower rates than anticipated, as more insurers have entered the markets and pegged their prices to capture more customers. The Obama administration estimates that 7 million uninsured Americans will use the exchanges to buy insurance in the six-month enrollment period that starts next week and ends March 1. see full article
Obamacare Made Easy Update September 20, 2013
Is it any wonder why Americans are confused about Obamacare? Here are just some of the media headlines I have received in the last three days.
Feds Say ObamaCare Saved Consumers $1.2 Billion in 2012
Ted Cruz: Will Do ‘Anything and Everything’ to Defund Obamacare
For millions, insurance will cost less than $100/month
90% of Employees Still Have ACA Questions
House to vote on plan to defund ObamaCare as shutdown looms
Texans in dark on ‘Obamacare’ as enrollment startup looms
I have never seen anything like this in my lifetime. The amount of contradicting information is CRAZY. Whether you love health reform or hate it (or lie somewhere in between), some of key provisions truly do benefit individuals. These include guaranteed-issue policies on the individual health insurance market, health insurance subsidies to lower the cost of individual health insurance purchased on the new public health insurance exchanges, and all plans including 10 essential health benefits. Here is what I believe to be the truth and what you need to know to take advantage of Obamacare.
- The Republicans will not shutdown the government on October 1, 2013 if Obamacare is not defunded.
- Most Americans without health insurance will receive subsidies to make health insurance affordable.
- The Federal Health Insurance Marketplace will be open October 1, 2013, but not very functional.
- The navigators will be overwhelmed and under prepared to help consumers on October 1, 2013.
- Agents, brokers, and navigators will not have access to the plans available until October 1, 2013 so it will take a while for us to figure it out.
- If you want real help use a licensed insurance agent you know and trust that is certified through the Health Insurance Marketplace.
- Do not try and figure this out alone.
- The Silver Plan will be the best option for most Americans.
As soon as I am able to complete the application and review the plans, the process, and the problems. I will show you the easiest, fastest way to sign up for insurance under Obamacare.
Obamacare Made Easy Update September 19, 2013
Texans in Dark on Obamacare as Enrollment Startup Looms
Randy Osban’s job selling ribs and brisket from a yellow trailer on Texas’s state road 71 offers a sweeping view of the hill country beyond Austin. One benefit his business doesn’t provide is health insurance.
Osban, 55, could use it now, as his wife Kathy, 59, has a heart condition and the money he makes barely covers current expenses, much less a hospital bill. While he’s heard of Obamacare, he doesn’t know if it can help him or how to enroll.
I’m in the dark; total darkness,” Osban said.
In 18 days, Americans will start signing up for medical coverage through the Affordable Care Act’s online exchanges. The law, targeting most of the 50 million uninsured, promises to change the way health care is provided in the U.S. It forces most Americans to buy coverage, offers subsidies to pay for it, mandates insurer outlays for disease prevention and guarantees a pre-existing condition won’t get you turned down.
You wouldn’t know it in Texas.
Distrustful of the U.S. government, with a defiant and independent heritage, Texans are largely unsupportive of a law they little understand. While no state has a higher proportion of uninsured, the Republican governor, Rick Perry, has refused to help build or promote an insurance exchange in the state and he won’t expand Medicaid, the joint state-federal health plan for the poor, to care for more people.
Obamacare Made Easy Update September 10, 2013
Beginning Oct. 1, any business with at least one employee and $500,000 in annual revenue must notify all employees by letter about the Affordable Care Act’s health-care exchanges, or face up to a $100-per-day fine. The requirement applies to any business regulated under the Fair Labor Standards Act, regardless of size. Going forward, letters are to be distributed to any new hires within 14 days of their starting date, according to the Department of Labor.
You can get everything you need right HERE and save money!
Obamacare Made Easy Update September 3, 2013
Half of Americans can’t define basic health insurance terms!
We have our work cut out for us.
A new survey of 1,008 U.S. adults conducted for the American Institute of CPAs by Harris Interactive found that more than half (51 percent) could not accurately identify at least one of three common health insurance terms: premium, deductible and copay.
A third (34 percent) thought a premium was an expense at the time of receiving medical service or a prescription; more than a quarter (27 percent) thought a copay was the cost of obtaining insurance; and 12 percent did not know a deductible is the money one pays before an insurance company makes payments. see the whole article
Obamacare Made Easy Update August 21, 2013
Young adults are clueless about Obamacare.
A whopping 70 percent of people ages 19 to 29 said they’ve hadn’t heard of the exchanges, set to open for enrollment Oct. 1, according to research from the Commonwealth Fund.
The administration has aggressively tried to push enrollment of young people into the exchanges, as their participation is needed for the law’s success. White House officials have said that the participation of 2.7 million young — and presumably healthy — individuals in the exchanges is needed to offset the cost of enrolling older, sicker individuals.
Just this week, the Department of Health and Human Services, working with a nonprofit group called the Young Invincibles, launched a contest trying to encourage young adults to make videos promoting the law’s provisions.
It is critical that we reach these folks and get them in the insurance pool if we have any hope of lower cost. I have enlisted the help of my cousin Dale to spread the word sign up with Obamacare Made Easy.
Obamacare Made Easy Update August 20, 2013 see I told you so.
Study Shows Navigators, Nonprofits Least Likely Sources of Health Insurance Guidance see full article
Obamacare Made Easy Update August 16, 2013
Feds Award $10.8 Million to Texan For Navigators to help individuals shop for Insurance.
Navigators are supposed to provide impartial unbiased information to individuals accessing plans through the Obamacare Health Insurance Marketplace. The largest of the federal navigator grants awarded went to United Way of Tarrant County, which will receive $5.8 million. The East Texas Behavioral Healthcare Network will receive $1.3 million, the second largest grant, and six additional organizations will each receive between $376,800 and $785,000. (Here is the full list.)
The grant recipients will have roughly five weeks to hire and train navigators who can help individuals apply for coverage before the health insurance exchange launches on October 1, 2013. Navigators must undergo 20 to 30 hours of training and pass a certification test.
Here are just some of my concerns with navigators: What do these organizations know about health insurance? What practical experience do they have with health insurance customers? Plus, navigators are not allowed to give advice or make recommendations. So what value are they?
Imagine going to a nice restaurant and asking the waiter what she recommends and hearing this…. “Sorry, I cannot make any recommendations or give advice, but I will be happy to tell you about all of our 47 items on the menu, and by the way, I am new.”
There are approximately 6,000,000 Texans that are uninsured. The government has awarded $10,800,000 to fund the Texas Navigator program. Seems like a lot, but my guess is that will only pay for about 100 navigators. The government estimates each applicant will take about an hour to complete the enrollment process with a navigator’s assistance.
Do the math: 100 navigators X 8 applications a day = 800 enrollments per day. If the navigators worked every day of the six-month open enrollment period, they would only be able to process 146,000 enrollees.
I don’t get a good feeling about reaching a navigator to help me get signed up with an essential benefits plan.
Solution: Use one of the thousands of licensed Insurance agents that you trust, and who are certified through the Obamacare Health Insurance Marketplace. Their services are FREE!
Obamacare Made Easy Update August 9, 2013
How do I qualify for government subsidies for Obamacare?
- • Your household does not have access to affordable employer health insurance.
- • Your household income is between 100% and 400% of the poverty level.
- Individual $11,490 to $45,960
- 2 household $15,510 to $62,040
- 3 household $19.530 to $78,120
- 4 household $23,550 to $94,200
- 5 household $27,570 to $110,280
You get the idea. How much will it cost me?
Regardless of the cost of insurance, individuals will only have to pay 2%-9.5% of their earnings for the mid-level Silver Plan. We estimate that nearly 70% of households in Texas could qualify for subsidies.
Where do I get Obamacare Insurance?
You must purchase your insurance through the Government Healthcare Marketplace to receive the subsidies. You will be able to access everything you need from our site. We will show you how to enroll, get the subsidies, and the plans available. Enrollment starts October 1, 2013 and runs through March 31, 2014
Obamacare Made Easy Update August 8, 2013
August 8, 2013 Kathleen Sebelius the head of Health and Human Services visited Austin leaders to talk about the Affordable Care Act. Before leaving for San Antonio word is she had an impromptu meeting with the Obamacare Made Easy team to find out how they were able to make Obamacare easy. We cannot confirm or deny his information.
Obamacare Made Easy Update July 12,2013
Despite the Employer Mandate delay for one year and all politics, Obamacare is still full steam ahead. There is no way they will delay the State Exchanges and the Individual Mandate.
Government latest statement on Obamacare.
June 10, 2013
Make sure and sign up for the Executive Summary of Obamacare Made Easy for Employers a $150 value yours FREE!
May 25, 2013
Obamacare calculator just does not add up.
Every heard of a “Actuarial Value” calculator? States, employers, and insurance companies are supposed to use them to keep in complaisance with the new law.
The actuarial value (AV) measures benchmarks for the state standardized plans. The minimum plan must cover 60% of AV. Employers are to use a “Minimum Value” calculator, which assesses whether an employee health plan meets minimal federal criteria.
The problem is the two online health calculators designed by federal officials to help states and employers comply with Obamacare mandates are riddled with so many flaws that users are abandoning them.
Just one more reason for employers to abandon their group plan and use a Health Insurance Marketplace where employees can make their own choices and access low cost insurance.
Unable to meet tight deadlines in the new health care law, the Obama administration is delaying parts of a program intended to provide affordable health insurance to small businesses and their employees — a major selling point for the healthcare legislation.
The law calls for a new insurance marketplace specifically for small businesses, but that is not going to happen until 2015. It sounds simple but it is a very complex proposition. Multiple carriers with multiple plans with one employer paying can be a billing nightmare. Probably a good idea because they will have their hands full with the new individual exchange.
March 22, 2013
A report done by the Manhattan Institute gave Obamacare a C on controlling healthcare cost.
C = Weak evidence that reforms will achieve their intended goals or growing evidence of unintended consequences
The Manhattan Institute, a 501(c)(3), is a think tank whose mission is to develop and disseminate new ideas that foster greater economic choice and individual responsibility.
March 17, 2013
February 8, 2013 Lost in Translation
We have been hearing a lot about the state exchanges and how they are the key to the affordability part of the legislation, but will the millions of uninsured individuals understand how they will work?
Well according to Anton Gunn from the Department of Health and Human Services this will be a big challenge. Roughly 25% of the uninsured population does not have a high school diploma and are unfamiliar with how health insurance works not to say that the educated population understands it either. Did you know that Texas is ranked #1 with the highest number of uninsured?
Gunn noted that 12 million of those who will qualify for health insurance but do not currently have insurance speak Spanish. “We are about coverage expansion … Americans in all 50 states will have access to new marketplaces,” Gunn said. “You’ve heard people use the word ‘exchange’ this morning. Well, guess what? We’re going to use the word ‘marketplace.’ Now, why are we going to use the word ‘marketplace’? Because that actually makes sense to people. ‘Exchange’ doesn’t translate to anything in Spanish, but ‘marketplace’ does. If we want to make the implementation of the Affordable Care Act real to people in this country, we need to recognize and use words that actually make sense to people.”
So goodbye Exchange hello Mercado. What are five things we know about the Texas
- Governor Rick Perry sent a very nice letter to the Secretary of Health and Human Services to let her know Texas will not create our own Healthcare Exchange. So we will default and use the federal government program once it is put together.
- Open enrollment will begin October 1, 2013 and will run through March 31, 2014.
- Only individuals that do not have access to affordable healthcare i.e. employer group coverage will be able to purchase health insurance through the exchange which are promised to be lower.
- Subsidies will be available to help pay for the insurance premiums for anyone who earns less than 400% of the poverty level which is roughly 68% of the population.
- They estimate the average subsidy could be up to $6,000.
Five things we don’t know.
- The cost of the plans.
- The exact details of the plans.
- What insurance providers will participate in the Exchange.
- Exactly how to determine the subsidy amount.
- A lot but they are working on it.
Health Insurance Coverage of Adults 19-64, 2009-2010, U.S. and four largest states
January 18, 2013 Affordable Care Act (ACA) requires employers to provide employees with a notice about the availability of the new health insurance exchanges beginning on March 1, 2013, under a provision of ACA.
The Department of Labor (DOL) has announced that employers will not be held to the March 1 deadline because specific exchange information is not yet available. So as soon as they know we will let you know. Our plan is to have a form you can download on your letterhead to give to your employees.
Here are the details of the employer notice requirement. All employers must notify employees:
Additional parameters of the notice are that it must: