What You Need to Know for Open Enrollment 2018

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Despite all the political rumblings, the Affordable Care Act (Obamacare) is still going, and it’s time to get ready for 2018.

Here’s what you need to know for Obamacare Open Enrollment:

* Open Enrollment is November 1 to December 15. These dates apply to plans on the Obamacare Marketplace and those off the exchange. In the past it has …

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Trump Cuts Off Cost-Sharing Reductions for Obamacare. What Does That Mean?

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Late last week the Trump administration announced they will stop funding the “cost-sharing reduction” subsidies in the Affordable Care Act.

So what does that actually mean? What impact will it have on you? (Again, we’re avoiding politics here, to be clear!)

What are cost-sharing reductions?

In the Affordable Care Act, there are two types of subsidy payments that …

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What Does Trump’s Executive Order Mean for Short-Term Health Insurance?

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There’s a lot of buzz today about President Trump’s executive order on health care and the Affordable Care Act.

We want to steer clear of the politics.

Much of what’s included in the executive order won’t have much immediate impact because it will take a long time to be implemented. So we’ll talk about association health plans …

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Federal Poverty Limits and Obamacare Subsidies

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This year, more than ever, it’s very important for you to determine if you think you’ll qualify for premium tax credits (subsidies) under Obamacare. Subsidies are determined by where you fall on the Federal Poverty Level, which is a function of household size and household income.

Here’s a table with the 2017 Federal Poverty Levels. Take …

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Is it safe to buy insurance over the Internet?

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There are a lot of ads on radio (even on podcasts) selling insurance.

Call a random 800 number or visit a website, plug in your information, and get covered.

Is this a good idea? It depends. In a sense, we sell insurance over the Internet because we use online applications to enroll our clients with most of …

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Bright Idea Dental Review

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UPDATE (PLEASE NOTE): This is a review article of a dental insurance plan. This website is not affiliated with Bright Idea Dental. In fact, we recommend other individual dental plans to our clients instead!

Most dental insurance plans are pretty similar to each other, but Bright Idea Dental is different.

Bright Idea is a new dental insurance …

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Proposed Rate Increases for 2018 Obamacare Plans in South Carolina

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BlueCross BlueShield of South Carolina is the only health insurance company that participates in the Obamacare Marketplace in the Palmetto state.

So when they file for a significant increase, it’s big news for people who buy individual health insurance in South Carolina.

According to the Charleston Post and Courier, BCBS has filed for a 33% rate increase …

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How to Enroll in Individual Gap Insurance

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Gap insurance is increasingly popular – and for good reason!

Surveys consistently report that most Americans would have trouble coming up with $1,000 to pay an unexpected expense. Yet most individual health insurance plans (and many group plans) have deductibles and out-of-pocket expenses in the $5,000 – $7,000 range (double for families).

Those numbers obviously tell us …

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Missionary Insurance for Short-Term Mission Teams

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Is your church or organization sending out short-term mission teams this year?

What will happen if something goes wrong or a team member becomes injured or ill?

Many people don’t realize that most health insurance plans don’t travel very well. That’s why experienced travelers never leave the country without a travel insurance plan. The good news is …

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Coventry Leaves Georgia, South Carolina, and Other States

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Coventry didn’t participate in the Marketplace in 2017, but there may still be some policyholders out there who bought policies a couple years ago.

Coventry has made clear that they will no longer be offering individual health insurance products in Georgia or South Carolina (or a bunch of other states — AR, AZ, CT, FL, IL, KS, …

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