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Obamacare turns 6. Will it make it to 7?

It’s hard to believe, but on March 23rd the Affordable Care Act turned six years old. The time’s flown by, hasn’t it? By now you’ve learned how to adapt to the changes created by the law, and you may have even grown your business and your income over the past few years.

HHS Changes Transition Rules AGAIN

HHS changes transition rules AGAIN. Ok, it’s starting to get a bit ridiculous. Every time brokers think they have the ACA figured out, the government changes the rules. It happened again just recently. Before we tell you about the rule change, though, here’s a quick summary of how we got here.

Big Changes Coming to Next Year’s ACA Plans

The third annual open enrollment period under the Affordable Care Act is now over and in the record books, so it’s time to start looking ahead to the next OEP, scheduled to begin on November 1, 2016. This is important because there are likely to be some big changes coming to next year’s ACA plans for the 2017 open enrollment period, changes which could impact your conversations with existing clients and the way you market individual health plans between now and November.

Fewer Special Enrollment Opportunities in 2016

In an effort to make the Marketplace attractive for both consumers and insurance companies, CEO Kevin Counihan stated in a January 19 press release that CMS is eliminating “several unnecessary special enrollment periods” while clarifying the definitions of other SEPs. He also vowed that CMS will provide “stronger enforcement so that special enrollment periods serve the purpose for which they are intended and do not provide unintended loopholes.”

Last Chance for Coverage in 2016

As you know, the first two enrollment deadlines for 2016 coverage have come and gone. During these last couple of weeks of the annual open enrollment period, people can sign up for coverage to begin on March 1st. We know you’re busy trying to sign up as many people as possible in the last few days, so we’ll keep this short, but we did want to share a couple items with you that may help you better advise your clients and bring in a few more sales.

Understanding the ACA’s Cost-Sharing Subsidies

A lot of emphasis has been placed on the Affordable Care Act’s premium tax credits over the past couple years—and rightly so. The Advanced Premium Tax Credit (APTC) makes it possible for millions of Americans to purchase health insurance; without the financial assistance, many would likely remain uninsured.

Special Enrollment Periods (how they work)

Special enrollment periods (SEPs) are nothing new. For health insurance agents working with groups, HIPAA regulations have meant that employees and family members who originally waive coverage on a group plan have special enrollment rights if they lose other qualified coverage or have a life event such as marriage, birth or adoption. During these special enrollment periods, employees and their family members usually have 30 days to sign up for the group health plan.

Be Aware of the Subsidy Trap

The Affordable Care Act’s advance premium tax credit (APTC) has been wildly successful. It’s helping millions of Americans pay for health insurance purchased through the individual Marketplace. However, something that’s been confusing for many is the fact that it is an advance. The tax credit is based on the estimated amount that an individual believes they will earn in the coming year. This estimate must be made at the time of the insurance purchase, and, of course, the actual amount earned could ultimately be more or less than anticipated.

4 Ways to Get Set For Open Enrollment

It's August (already) and that means that Autumn is just around the corner. This season of change brings with it multi-colored leaves, harvest festivals, a crispness in the air and . . . the next open enrollment for consumers in the insurance market.

New Bill Would Permit Defined Contribution for Individual Health Plans

Some people dabble in health insurance. Others specialize. Those who dabble may sell it as a courtesy to

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