Health Care Reform

Certified Health Care Reform Experts

Posted on Dec 1, 2016

Health insurance in Colorado can be complicated. Especially with all the changes this year with health care reform. You can count on us for expert advice and a thorough review of your health insurance options. Call 970.484.1250 or book an appointment now.                                ...

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UPDATED Individual Tax Subsidy Calculator

Posted on Oct 7, 2013

UPDATE 10/7/2013 For some reason, the individual/family health insurance subsidy calculator seems to have been removed from the Connect for Health Colorado website. As an alternative, The Berkeley Labor Center’s calculator has been widely cited as one of the more reliable individual/family tax credit calculators. Please note, however, that this is only an estimate and the premium estimates are based upon national average Silver plan pricing. For assistance with your actual tax credit determination for Colorado, contact us at 970.484.1250. Colorado’s new insurance marketplace, Connect...

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Are You Eligible for a Subsidy?

Posted on Sep 11, 2013

In order to make health insurance coverage affordable for a larger number of people, insurance subsidies will be available to help offset the cost of premiums. To be eligible for a subsidy, you must not have access to a qualified plan through your employer, and your income needs to fall between the range of 100%-400% of the Federal Poverty Level (FPL). (If you make less than 133% of FPL, you will qualify for Medicaid.) Under the Affordable Care Act (ACA), premium costs may fall between 2%-9.5% of your annual income, and are scaled up or down depending on how much money you make. For next...

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Important ACA Compliance Update for Employers

Posted on Sep 10, 2013

Beginning January 1, 2014, individuals and employees of small businesses will have access to insurance coverage through the Affordable Care Act’s (ACA) health insurance exchanges (Exchanges), which are also known as Health Insurance Marketplaces. Open enrollment under the Exchanges will begin on Oct. 1, 2013. The ACA requires employers to provide all new hires and current employees with a written notice about ACA’s Exchanges. This requirement is found in Section 18B of the Fair Labor Standards Act (FLSA). The Department of Labor has provided two model notices for our convenience: Use this...

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Young and Healthy Need to Enroll for the ACA to Work

Posted on Aug 30, 2013

  The ultimate goal of the Affordable Care Act is to get all Americans covered by health insurance. At the present time, the highest age group of uninsured is people between the ages of 18-34. This is a major concern, as many young people just don’t see the need for healthcare coverage. They’re not often sick, and don’t tend to dwell on the repercussions of a catastrophic accident or sudden serious illness. Some states, like California, are sending strong marketing messages to their youth in hopes that they will choose to get covered. Although adult children are now allowed to stay on...

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Medicaid Expansion and the ACA

Posted on Aug 30, 2013

Medicaid is the United States’ health insurance program for low income individuals and families. Although states have the right to make specific rules regarding eligibility and income thresholds, the following groups of low income people are now eligible for Medicaid in most states: Children Pregnant women Parents of young children Disabled people receiving Social Security income The Affordable Care Act (ACA) offers states the right to choose to implement Medicaid expansion, which will expand Medicaid to anyone whose income is less than 138% of federal poverty level (FPL). This means that...

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