Frequently Asked Questions

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Affordable Care Act (also known as ACA or Obamacare) is a comprehensive health care reform law enacted in March 2010. The goal is to make health insurance be affordable to more people regardless of pre-existing conditions and providing subsidies or premium tax credits to households with income less than 400% of the federal poverty level.

No, our commission is built into your premium whether or not you use Certified Agents or not. Our consultation is free and could save you thousands of dollars. DO NOT risk thousands of dollars in potential tax penalties because you assumed the plan bought through complied with the law.

  • Not a U.S. citizen or legal resident.
  • Offered enrollment with eligible employer sponsored plan providing “minimum value and affordable”. Minimum value is at least 60% of the actuarial value (bronze plan). Affordable is no more than 9.5% of employee’s W-2 income.
  • Individuals or Families Open Enrollment begins NOVEMBER 15-DECEMBER 15 (Health Insurance Annual Enrollment).
  • Employers on their anniversary date.
  • Small Business-anytime.
  • Medicare Beneficiaries begins October 15-December 7.
  • Coverage begins January 2015.
  • Get your free quote or free help with enrollment

Beginning 2014, health insurers can no longer be able to charge more or deny coverage to anyone because of a pre-existing condition.

A pre-existing medical condition is commonly considered an illness or disability a person has prior to applying for health insurance coverage. Yet, the definition change on states and even by insurance plans.

However, when the law takes full effect in 2014, that definition will lose its importance. Under the law, no one can refuse health care insurance for any reason, including an existing medical condition.

We are experienced licensed agents in the Health, Life, Property and Casualty markets.

We also have Errors and Omissions insurance to help protect our clients.

We are certified and trained with Federal Health Insurance Exchange.

Oregonians can now get health coverage, even with pre-existing health conditions as well as access to financial help if you qualify.

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No. Beginning 2020, Federal tax penalty for not having health insurance was removed. You still need to report your coverage status on your tax return but you won’t have to pay penalty if you are not enrolled on a health plan. However, it is still best to get coverage and think of the benefits it can give you and your family. Low and moderate incomes will be eligible for tax credits (to help pay premium costs) and government subsidies (to help pay out-of-pocket expenses) when they purchase health insurance through the Health Insurance Exchange or Marketplace.

  1. Bronze plans are the cheapest because insurers pay only 60 percent of a policyholder’s covered health expenses, and the policyholder must come up with the other 40 percent.
  2. Silver plans split covered expenses 70-30%. 70% of policyholder’s covered health expenses.
  3. Gold plans split covered expenses 80-20%. 80% of policyholder’s covered health expenses.

Bronze plans are the cheapest plans, usually with the lowest monthly premium. However, This health plan has very high deductible and co-pays which means you to pay out of your pocket first before your plan starts to pay its share. This is a good choice for those who are healthy and doesn’t need much medical services.

You should have your most recent tax return. You can use it as basis for your estimated income. Sometimes it maybe hard to project how much your income is going to be especially if someone is in sales or any job with commission or bonuses. However, if you make more than the estimated income you’ve put in on your application, your tax credit will be reconciled accordingly.

The law allows people 26 and under to stay on their parent’s insurance policy.

If you’re on COBRA, you can choose to keep it but you may also consider finding affordable plan options through The marketplace. Depending on your income, you may qualify for financial assistance to help pay for your medical coverage.

If this FAQs is not enough for you, feel free to contact us now 😀

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