The Question Presidential Candidates Must Answer

/ / All Posts, Health Insurance, In The News

The Affordable Care Act (ACA) seems to be a topic of discussion for Presidential candidates. Will the ACA still  stay intact once the next President is elected into office? What changes will be made to the ACA? The biggest question stated by an article on Bloomberg View is, “How would they (Presidential Candidates) protect people with pre-existing conditions? Left to their own devices, after all, insurers have an incentive to charge higher premiums to potential customers who already have chronic health conditions – or not to offer them coverage at all.” What the ACA has done well is to ban […]

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Good Decisions For Small Business Healthcare

/ / All Posts, Health Insurance, Small Business

Under the Affordable Care Act (ACA) a small business above 50 employees is required to provide healthcare for their employees. These companies that have 50 or more full-time employees must provide health insurance to 95% of their employees and dependents up to age 26 or risk paying a tax penalty of $2,000 per full-time employee. An article on Forbes says, “many small businesses still do provide health care for their employees, either out of a sense of responsibility or out of a desire to attract quality candidates (or both).” Although, depending on how those plans are paid for you could run into some

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The ACA Boasts Fewer Uninsured

/ / All Posts, Health Insurance, In The News

The Affordable Care Act (ACA) has boasted an increase in healthcare enrollment, which is to be expected as it’s mandatory. What do those numbers look like on paper though? In Colorado alone the uninsured have been cut by more than half over the past two years. The disheartening news is that the drop is due almost entirely to a surge in Medicaid enrollment, according to Biz Journals. The Colorado Health Institute (CHI) and The Colorado Trust released its findings from the 2015 Colorado Health Access Survey and the increase in Medicaid enrollment was one of many things the survey revealed. Another is the way

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Pro or No Vaccine?

/ / All Posts, Health Insurance, In The News

The battle continues from parents on Pro or No Vaccine. As the school year starts there are many children walking through the doors without their recommended vaccines due to medical, religious or philosophical reasons. Parents who are pro-vaccine believe that those that don’t vaccinate their children are putting their children at risk. Please inform me of something though, if their children are vaccinated they are no longer at risk, so why are they worried? It is the parents that don’t vaccinate their children that are putting each others children at risk and they all sit on the same side of

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1/3 The Healthcare Providers?

/ / All Posts, Health Insurance, In The News

In a recent Washington Post article it was reported that, “Consumers who bought insurance on the health exchanges last year had access to one-third fewer doctors and hospitals, on average, than people with traditional employer-provided coverage” This is not necessarily a negative though as the smaller networks are typically negotiated contracts with the healthcare provider to offer lower costs which results in a lower premium price. An analysis by Avalere Health said, “Compared with traditional employer coverage, exchange plans had networks with 42 percent fewer cancer and cardiac specialists; 32 percent fewer mental health and primary-care doctors, and 24 percent fewer hospitals.”

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A New Job Doesn’t Mean A Qualifying Event

/ / All Posts, Did You Know?

When the Affordable Care Act started, health insurance enrollment was limited to a three month cycle each year. For 2016 open enrollment is November 1st, 2015- January 31st, 2016, with the first date of coverage able to start on January 1st, 2016. Any enrollment outside of that time has to be triggered by a qualifying event (QE). Although, many Americans find themselves in a rock in a hard place as they are outside of employment and believe that they can get coverage when they start their new job. Unfortunately a new job is not considered a qualifying event. As a Colorado health

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