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Do Small Businesses Have to Offer Health...

The short, simple answer is, “no.” But as always with health insurance, the short, simple answer is not quite the right one. For one thing, it depends on what we mean by “small.” Under the Affordable Care Act (ACA, “Obamacare”), businesses with the equivalent of 50 or more full-time employees have to offer health care to their employees or pay a penalty. The choice is up to their management. How are Full-time Equivalent Employees Determined? The law contains provisions to keep employers who hire surges of seasonal workers from having to offer them health insurance. It...

How to Get Health Insurance After Open E...

If you are interested in enrolling in a new health insurance plan, there are several options available to you. But unfortunately, you must choose from these plans and enroll before the open enrollment period ends. After that, your number of choices drop significantly. The only way to enroll in a health plan outside of open enrollment is to find out if you qualify for the Special Enrollment Period. There are some insurance companies, brokers and agencies as well as online health insurance distributors that offer these special plans. What is the Special Enrollment Period?...

Top Trends in the Health Insurance Indus...

Many changes are happening regarding market dynamics in the health insurance industry. There are new players, new collaborations, consolidations, and more competition. In the last several years, the industry has seen consistent growth on the top-line because of the increased coverage, higher health care costs, lower interest rates, and the competitiveness to get profits. To remain competitive, health insurance companies are being proactive and remain responsive to the shifting dynamics by catering to the ever-changing expectations of the customers, improving efficiencies...

What Is a Health Care Subsidy?

When the Affordable Care Act was enacted, it was determined that everyone was required to maintain health insurance. Yet, the federal government also understood that not everyone was in a position to afford health care premiums. As a result, the government designed the system of the health care subsidy. This system was designed to help people under a certain income level afford the premiums of their healthcare coverage purchased through the Federal Marketplace.  Premium Tax Credit Depending on the circumstances, a person may be eligible for a refundable tax credit called...

Which Pre-existing Conditions Are Not Co...

Background: What’s a Pre-existing condition? For insurance purposes, a pre-existing condition is any medical condition or diagnosis you had prior to the issuance of an insurance policy. What pre-existing conditions, if any, are covered by the policy varies from policy to policy. Some insurance policies are affected by government regulations, such as the Affordable Care Act (“Obamacare.”) Some policies have a clause that excludes any condition (diagnosis) that existed at the time the policy was issued, even if it was not discovered until after the diagnosis was...
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