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How Will Trump’s Repeal of the Affordabl...

The only part of the Republican effort to repeal the Affordable Care Act (ACA, “Obamacare”) that was actually enacted was the repeal of the individual mandate. The individual mandate required all individuals to either have health insurance or pay a fine. Both the individual mandate and the fine were repealed effective January 1, 2019. The fine was very small, so it did not really ever serve as an inducement to get health insurance. How Will the Repeal Affect 2019 ACA Enrollments? Open season for 2019 Obamacare enrollments starts on November 1, 2019. Controversies aside,...

COBRA Insurance: 10 FAQ’s

1. What is COBRA? The Consolidated Omnibus Budget Reconciliation Act , abbreviated as COBRA, is a federal law that was passed by Congress in 1986 in order to make changes to the Employee Retirement Income Security Act, the Internal Revenue Code and the Public Health Service Act in order to temporarily extend coverage under a job-based group health plan after leaving a place of employment.  2. What does COBRA do? How does it work? COBRA mandates that former employees, retirees, spouses, former spouses and dependent children be offered continuing health coverage after a...

The Health Insurance Marketplace: State-...

Before the healthcare reform policies of the Affordable Care Act, it was very difficult and confusing for consumers to compare and contrast the huge array of different health insurance policies available on the market. To help both individuals and small business owners deal with this cumbersome and often dreaded task, the health insurance exchanges, or marketplaces, were born. What are health insurance exchanges? Simply put, health insurance exchanges are virtual marketplaces where individuals and small business owners can compare and purchase private health insurance...
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