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The highly anticipated rollout of the new health insurance exchanges / marketplace has provided plenty to talk about. Unfortunately for Obamacare supporters, it has provided enormous amounts of ammunition to opponents as the exchange websites have been nothing short of a collasal failure. Fortunately, there is a better solution.
First and foremost, I am not a licensed health insurance agent. Like many of you, I have tried numerous times to access the site, both for myself and to assist clients in obtaining coverage. After several weeks of frustration, constantly being kicked-out of the site and having to start over, and our clients being so fed-up that they stopped trying, I (accidentally) realized last week that there is a much easier solution – use an agent! Not surprisingly, my favorite resource for Affordable Care Act fact vs. fiction, Carolyn McClanahan, is all over this in her column this week at Forbes.com: The Unknown Workaround To Healthcare.gov
An agent can provide access to all the same policies (and more) that are available on the exchange, but unlike the websites, an agent provides you with access to a reliable, capable resource that will help you navigate your options and choose from the dozens of policies available to you. Better yet, the enrollment process with an agent ensures that you never have to visit the exhange sites ever again! (more…)
With the first quarter of 2013 rapidly coming to a close, folks have to begin to brush up on their understanding of the changes to the health insurance system that will be taking place January 1, 2014 under Obamacare.
A recent blog published at Forbes.com by physician turned financial planner, Carolyn McClanahan, provides an outstanding overview of how the new law may impact individuals and families. In my humble opinion, Carolyn is probably the foremost expert on Obamacare and how it will impact families, having read every single page of the 2,409 page bill. The link above will take you to her post.
In short, if you have individual health insurance, it is probably going to get more expensive next year. If you are on your spouse’s health care plan through their employer, it is possible you will have to find new coverage at the end of this year. And in either event, the cost of obtaining coverage under the new law may surprise you.
This is a particularly well written article by one of the foremost experts in the industry. If you are interested in following updates on the new law, be sure to follow her posts on forbes.com and twitter @carolynmcc.