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California will not allow President Obama’s Obamacare “fix” – Health plans scheduled to cancel as anticipated November 22, 2013

Posted by QUOTEBROKER in ACA, Health Care Reform, Health Insurance, Individual Health Insurance, Insurance, Obamacare, QuoteBroker.
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Despite the president’s wishes to the contrary, California yesterday rejected his plan to allow individuals to keep their current health plans through 2014.   In a press release, insurance commissioner Dave Jones expressed disappointment in the state health care exchange, CoveredCA, not allowing this provision to go through:

Over a millionCalifornians have received cancellation notices from their health insurer. On behalf of these policyholders I am disappointed in Covered California’s action,which denies individuals and families the opportunity to keep their existing health insurance as President Obama promised.

“Covered California rejected what President Obama and I asked for—that individual policyholders be allowed to keep their existing health insurance through all of 2014. Covered California’s decision denies Californians the same opportunity health insurers are giving to its small business customers who are being allowed to renew current policies throughout 2014.

CoveredCalifornia could have honored President Obama’s request, without causing damage to the implementation of the Affordable Care Act or the Exchange.

While one might think as insurance commissioner Mr. Jones could have had a bigger hand in this decision, California’s unique health dynamic did not allow the commissioner to make this decision unilaterally. As part of their contract with insurers, CoveredCA had stipulated that these same plans must be cancelled.  In order to allow the carriers to comply with President Obama’s new guidance on the matter, not only did Mr. Jones need to sign off on the decision, but CoveredCA needed to release the individual carriers from that provision of their contract as well.  CoveredCA declined.

President Obama’s request that insurers allow policyholders to keep their plans through 2014 has put ACA supporting insurance commissioners in a tough position. On one hand, they’d like to stand united with their president.  On the other hand, the president’s directive is a blow to the current ACA implementation, as it means millions less will sign up for the exchange policies.

If you currently have a policy in California, the strong likelihood is that it is still ending as scheduled.  Contact Quotebroker at 866-SUBSIDY to review your 2014 healthcare options, whether that may be through the state health exchange, privately direct-to-carrier, through a small group health plan, Medi-CAL, Medicare, or another healthcare option best suited to you.

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Obamacare 101: Health Care Reform Frequently Asked Questions September 12, 2013

Posted by QUOTEBROKER in ACA, California Health Insurance, Health Care Reform, Health Insurance, Health Insurance 101, Individual Health Insurance, Insurance, Insurance Quotes, Obamacare, QuoteBroker.
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Obamacare is almost here! In about three weeks, Covered California– California’s state-based health care exchange- will open its virtual doors for business.  Hundreds of thousands of individuals are estimated to be eligible for coverage, with many expected to take advantage of the opportunity to purchase guaranteed issue health insurance in the opening weeks.  While we at Quotebroker have spent that last few months keeping you updates on the progress of the exchange, why you may or may not want to participate, and many of the details of the upcoming new health plans, we thought it would be helpful to many to take a step back and review the basics of health care reform.  Watch below for a quick summary of where we are and how we got to this point in health care reform, courtesy of the Kaiser Family Foundation and their “YouToons.”

 

 

If you prefer your FAQs in traditional written form, head on over to their excellent FAQ resource center.

 

Any questions?  Just ask! Or visit our website and browse on your own.

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