What if I already have job-based insurance?

Category: Healthcare 101

If you are covered under your job-based plan, you might not qualify for lower costs on your premiums, even if your income would otherwise qualify you. The cost reductions that you are eligible for through the Marketplace will depend on the type and cost of the insurance coverage that your (or your family member’s) employer... Read More >

What if I’m a part-time employee?

Category: Healthcare 101

If you’re a part-time employee and not receiving any job-based health insurance, then you may be able to buy coverage through the Marketplace and get lower costs (based on your income). A licensed insurance agent can help guide you through your health insurance choices, both inside and outside of the Marketplace, and ensure your selection... Read More >

Do I get dental coverage?

Category: Healthcare 101

Beginning in 2014, it is mandatory for you to have health insurance coverage or you will have to pay a fee – but this requirement does not include dental coverage for adults. In other words, as an adult, if you go without dental coverage, you will not be charged a penalty. Newly under Obamacare, dental... Read More >

What if I’m self-employed?

Category: Healthcare 101

If you’re self-employed (run an income-generating business) with no employees, then you aren’t classified as an employer and you’re not obligated to comply with the requirements for employers set by the Affordable Care Act (ACA). Even if you hire independent contractors to do some work, they are not considered employees, which means you have health... Read More >

What if I have a pre-existing health condition?

Category: Healthcare 101

Beginning in 2014, those with pre-existing health conditions can’t be denied health insurance or be charged more for coverage based on that fact alone. That’s great news for many Americans! It means that being sick can’t stop people from getting the insurance coverage they need. A pre-existing health condition can be as commonplace as asthma... Read More >