يتم التشغيل بواسطة Blogger.

Latest Products

Need health insurance coverage for 2016? You have until January 15, 2016 to enroll in or change plans for 2016 health insurance starting on February 1, 2016.

New to the Marketplace?

Already have a Marketplace plan?





from Health Insurance Blog - Healthcare.gov http://ift.tt/1mjKgYt
via IFTTT

If you enrolled in or changed Marketplace health plans by December 17, 2015, your coverage will start January 1, 2016.

Important: After you’ve picked a new plan for 2016, you must complete one very important task to finish enrolling — you must pay your first month’s premium to your insurance company, not HealthCare.gov.

If you picked a new plan or enrolled for the first time and already paid your first month’s premium, your enrollment is complete. If you haven’t paid it yet, don’t delay.

Final step: Pay your premium to complete your enrollment

You must pay your first month’s premium by your health plan’s due date or you could lose your coverage. Each insurer is different, so pay careful attention to their due date.

You may be able to pay online. After you enroll in a plan at HealthCare.gov, you’ll be taken to your Enroll-To-Do list. If you see a green button that says “PAY FOR HEALTH PLAN,” your insurer accepts online payment. You’ll be taken to their payment portal when you click it.

Screen shot of Enroll-To-Do-List displaying the "Pay for your health plan" button.

If the button is grayed out, your insurer doesn’t accept online payment. Your insurer will contact you within a few days after you enroll with next steps and details on how to pay.

Need help?



from Health Insurance Blog - Healthcare.gov http://ift.tt/1mbTIwk
via IFTTT

The time to take action is now! The December 15, 2015 deadline to sign up for a Health Insurance Marketplace plan (so your coverage can start January 1, 2016) is quickly approaching. Be sure to apply and enroll today, so you don’t miss a day of being covered.

Plans may cost less than you think

This year, 8 out of 10 people who enroll in health coverage through HealthCare.gov qualify for savings that lower the cost of their monthly premiums. In fact, most people can find plans with premiums for less than $75 a month after tax credits.

Get covered or pay a fee

If you don’t have health coverage for 2016, you may have to pay a fee on your taxes. And for 2016, that penalty is increasing to $695 or 2.5% of your income — whichever is higher.

How to sign up today



from Health Insurance Blog - Healthcare.gov http://ift.tt/1OXo5SJ
via IFTTT

Did you know that having health insurance when you can afford it is the law? If you can afford health insurance, but choose not to get it for 2016, you may be required to pay a fee — sometimes called the "penalty," "fine," or "individual mandate" — when you file your 2016 federal income taxes.

The good news is, affordable coverage through the Health Insurance Marketplace is available. After financial help, 7 out of 10 people can find plans with premiums of less than $75 dollars per month. If you enroll by December 15, 2015, your coverage will start January 1, 2016.

Want to see plans and prices available to you before you apply? You can preview 2016 plans and prices here — you may be surprised to learn just how affordable health insurance can be.

Breaking it down: the fee

Here are 5 quick facts about the fee for not having health coverage when you can afford it:

  1. The fee is calculated 1 of 2 ways, depending on your situation. It’s either a percentage of your annual household income or a set amount for each person in your household who doesn’t have health insurance. When you file your federal income taxes, if you’re uninsured for more than 3 months despite having access to affordable coverage, you’ll be required to pay whichever amount is higher. Learn how to estimate the fee you’ll have to pay if you don’t have health insurance based on your situation.
  2. The fee is increasing for 2016. For 2015, the penalty for no health insurance is $325 per person or 2% of your annual household income – whichever is higher. For 2016, the fee is $695 or 2.5% of your income — whichever is higher. For many people, that’s more than the yearly cost of health plans they can find on HealthCare.gov.
  3. Every month without coverage counts. The fee is calculated based on the number of months you and your household went without qualifying coverage. The more months you go without health coverage, the higher the fee, up to the maximum. (But if you’re uncovered for only 1 or 2 consecutive months, you don’t have to pay the fee at all.)
  4. For some people, exemptions from the fee are available. People with very low incomes and those who meet other specific conditions can get an exemption from the requirement to have health insurance and won’t have to pay the fee. Learn more exemptions, and see if you qualify.
  5. You have until January 31 to enroll in a 2016 plan to avoid the fee. The final deadline to sign up for 2016 coverage is January 31. A Special Enrollment Period around the April 15 tax filing deadline won’t be offered in 2016. If you don’t enroll by then, you could have to wait another year to get coverage and may have to pay the fee when you file your 2016 income taxes.

Ready to apply and avoid the fee?

Start an application or log in to an existing application.



from Health Insurance Blog - Healthcare.gov http://ift.tt/1M8qCTH
via IFTTT

Put this at the top of your December “to do” list: get health coverage and the peace of mind that comes with it. Don’t miss a day of being covered.

Important: You have until December 15, 2015 to sign up so your coverage can start January 1, 2016. That’s less than 2 weeks away.

Plans may cost less than you think — 8 out of 10 people who enroll in health coverage through HealthCare.gov qualify for financial help to lower the cost of their monthly premiums. In fact, most people can find plans with premiums for less than $75 a month after tax credits.

Remember: If you don’t have health coverage or an exemption for 2016, you’ll probably have to pay a fee on your taxes. And for 2016, that penalty is higher than ever.

Get started today



from Health Insurance Blog - Healthcare.gov http://ift.tt/1HMcVii
via IFTTT

To find the Marketplace health insurance plan that works best for your family, you should consider many different factors like the premium, the yearly deductible, what services are covered, and other details. While premiums can often be a deciding factor, other considerations could be just as important.

Breaking it down: the deductible

A deductible, is the amount you owe for the health care services your plan covers before your health insurance plan begins to pay.

Here are 5 things to know about deductibles in Marketplace plans:

  1. All Marketplace plans cover recommended preventive services without a deductible. Services like cancer screening, immunizations, and well-child visits will always be covered without having to pay your deductible, any copayment, or other costs to you.
  2. Many other health services are often covered without a deductible. Many health insurance plans provide some benefits before you meet the deductible. In those plans, you may be able to visit your primary care doctor or fill a prescription for a generic drug and only pay a copayment. Even specialist visits, mental health outpatient services, and brand name drugs are often covered with no deductible, although you’ll still be responsible for copayment or coinsurance.
  3. Look to see what your plan covers without a deductible. Plans differ in what they cover. When you find a plan you like online, look at the “costs for medical care” to see which services have a deductible and which don’t. You can also click on a plan’s "Summary of Benefits and Coverage" to see a detailed explanation of how the plan deductible applies to different services, and see examples for certain kinds of care.
  4. Consider services covered without a deductible along with other out-of-pocket costs when choosing the plan that’s right for you. It’s important to understand what your insurance company covers without requiring you to pay your deductible. Then you can decide whether you want a plan with lower monthly premiums and a higher deductible, or one with a higher monthly premium and a lower deductible. When you preview 2016 insurance plans, you’ll see an estimate of your total out-of-pocket costs, including deductibles and copayments, to help you make this decision.
  5. Silver plans can save you more. If you qualify for cost sharing reductions — as most consumers who sign up for Marketplace policies do — you can save more. A family of 4 with income below $60,625 can qualify for additional savings with lower copayments, a lower deductible, and more services covered with no deductible at all. This financial assistance is only available if you purchase a Silver plan; so while a Silver plan may have monthly premiums that are higher than some other plan options, be sure to consider your total costs. If you qualify, your maximum annual out-of-pocket costs could be lowered by thousands of dollars, and your deductible could be lowered as well. Check to see if you qualify for these savings.

Ready to apply?



from Health Insurance Blog - Healthcare.gov http://ift.tt/1LrFkow
via IFTTT

When you apply for health coverage through the Health Insurance Marketplace, you’ll find out if you qualify for savings. You may be eligible for a "premium tax credit" to lower the cost of your monthly premium. You also may be eligible for "cost-sharing reductions" — discounts that lower what you’ll pay out of your own pocket for medical care.

Important: You can use a premium tax credit for a Marketplace health plan in any "category". However, if you qualify for cost-sharing reductions, you’ll only get these extra savings if you enroll in a Marketplace health plan in the Silver category.

Why choose Silver?

If you qualify for cost-sharing reductions, a Silver plan may be the best overall value. Even if your monthly premium is higher than some other plan options, additional benefits could save you more down the road, like:

  • You’ll have a lower deductible with a Silver plan. This means the insurance company starts paying its share sooner. As an example, a Silver plan may start paying after you spend $300 on medical services yourself, compared to $750 if you enrolled in a plan in a different category.
  • You’ll have lower copayments or coinsurance — like $15 per doctor’s visit instead of $30 you might pay with another plan type.
  • Your total costs out of pocket might be lower too, if you need a lot of care in a year.

So with a Silver plan, your "total cost of care" — when you add up your premium, your deductible, and other out-of-pocket costs — may be significantly lower. This means you’ll save a lot of money overall.

Learn more about how to save on out-of-pocket costs with a Silver plan.

Ready to apply?



from Health Insurance Blog - Healthcare.gov http://ift.tt/1kvo4cU
via IFTTT

FREE WORLDWIDE SHIPPING

BUY ONLINE - PICK UP AT STORE

ONLINE BOOKING SERVICE

Blogger Templates Created By Sora Templates & Mybloggerthemes