So, by now you’ve heard of it, actually you probably feel like you’ve been overloaded with information on the Affordable Care Act, but you are probably still just as confused as the next person. Don’t feel bad. You’re not alone. It isn’t elementary my dear.
I’d like to tell you that we’ve spent weeks, or even months training and learning as much as humanly possible, but the reality is, we have been training and preparing for years. Yet, here we are, Obamacare is underway, and there is still so much unknown. There is still a lot to figure out, and unfortunately, there is a lot of misinformation being reported.
Did you know that you can call your Insurance Broker for coverage instead of calling the Government?
Below is a Q & A that we hope will be helpful and will help you cut through the clutter of information.
Q: Do I have to enroll in an Obamacare plan in 2014 if I already have health insurance?
Q: When does the Open Enrollment begin and End?
A: It begins October 1 and runs through March 31, 2014.
Q: What happens if I miss the Open enrollment period?
A: You will have to wait until the next open enrollment which will be October 2014 for 2015
Q: Will I be fined if I don’t get insurance in 2014?
A:Yes, 1% of your income or $95, whichever is greater.
Q:Do we pay more if we work with a broker?
A:Absolutely not. A good broker will always guide you and help you make the best choices for you and your family.
Q:Do I need to start early and try to get my application started on October 1?
A:If you think you may qualify for a subsidy, do not start on October 1. Systems need to be tried and tested. Glitches are likely. Mid October should be a good starting point.
Q: Can I still obtain insurance under 2013 rates?
A: Yes! Click on Individual & Family at the top of our website to get quotes for 2013 rates! Plus you can click on the Blue Cross/Blue Shield of Texas (BCBSTX) link to get quotes with 2014 rates.
Q:Who do we call to start our enrollment process:
A:Tanya Boyd & Associates. Trained professionals standing by. Bi-lingual representatives are available.
The bottom line: work with a professional that you trust. The individuals that answer the phones at healthcare.gov are not trained and licensed insurance professionals. We are. We can work with you to compare rates, explain the differences and find find the BEST solution for you. Call Tanya Boyd and Associates today!