Are you (or
someone you know) worried about how the upcoming Healthcare Reform will affect
you? I am!
Many people,
especially entrepreneurs and those are that currently uninsured, are concerned
about the upcoming Healthcare Reform. So to simplify the new requirements, Sherri Kindlmann of Inshpere Insurance Solutions gives 10 quick Tips about what you need to know about Healthcare Reform.
Tip 1: Children may remain on their parent’s
insurance policy up to age 26.
Tip 2: 2014 health plans cannot impose pre-existing
condition exclusions.
Tip 3: Annual limits on essential health benefits
are prohibited.
Tip 4: Premiums cannot be based on health status,
claims experience, or gender.
Tip 5: Insurers must accept everyone who applies for
coverage during the 2014 ACA enrollment period.
Tip 6: All private health insurance plans offered in
the Marketplace will offer the same set of essential health benefits which include
emergency services, maternity and newborn
care, mental health; prescription drugs, laboratory services, preventive and
wellness services, Rehabilitative and habilitative services and devices, and
pediatric services.
Tip 7: Individuals must have health insurance coverage
in 2014 or may have to pay a penalty.
Tip 8: Private health insurance can be purchased on
state-based insurance exchanges administered by a governmental agency or
non-profit organization.
Tip 9: Open enrollment begins on the Health
Insurance Marketplace in October 2013
for coverage beginning January 1, 2014.
The initial open enrollment period ends in March 2014.
Tip 10: Middle-income people under age 65, who are not eligible for coverage through their
employer, Medicaid, or Medicare, can apply for tax credit subsidies available
through state-based exchanges.
For more information about the
Healthcare Reform, contact your local insurance agent or go to http://www.insphereis.com/skindlmann.
Contributing author, Sherri Kindlmann, is a
licensed insurance agent in the state of Georgia, representing Insphere
Insurance Solutions. For questions and
complimentary health insurance consultation, contact Sherri at skindlmann@InsphereIS.com or 678-226-9266. IIS001391
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