O.K. Folks, This is an excellent read regarding keeping updated on the ACA / Obamacare!!!
http://www.marketwatch.com/story/10-things-health-exchanges-wont-tell-you-2013-09-27
#1 last ¶ "... our advice is wait till Nov. or Dec...it's kind a like not buying the fist model of a car when it comes out: Wait until the kinks get worked out."
#2 Spreading Trend for employer group coverage.
#4 Now this one in my opinion is tremendously important to read between the lines... What exactly is a "Navigator" Someone whom IS NOT QUALIFIED or even ABLE to recommend or provide advice on choosing a specific plan on a customers behalf... "Those services are traditionally been the purview of insurance brokers, who MUST BE LICENSED to sell health plans ..."
VERY IMPORTANT
#6) Lie or misrepresent your annual income and the Federal Penalty for Perjury can be up to three years in prison... "It's more likely someone is going to get caught cheating on this than their small business taxes"
#8) Magnet for Hackers and Con Artists.... BE CAREFUL WHO YOU PROVIDE YOUR PERSONAL INFORMATION TO!!!!
#9) Public Subsidized plans - can you keep your doctor, more than likely with the "Narrow Networks" NO, even though we were promised we could!!!
#10) "Competition is for the greater good - EXCEPT WHEN THERE AREN"T ANY COMPETITORS"...
Friends, Family and their friends and family - meaning EVERYONE: January 1, 2014 is coming very soon.... It becomes law in the USA that middle-income people under age 65, who are not eligible for coverage through their employer, Medicaid, or Medicare MUST HAVE MAJOR MEDICAL HEALTH INSURANCE of face fines & penalties... This means the Individual / Family / Self Employed / Small Business Owner / Independent Contractor / Unemployed / Early Retiree - EVERYONE whom is without employer coverage, Medicare or Medicaid is governed by this new law!
Should you fit the "Individual" market definition, you need to speak with a Licensed & Experienced Health Insurance Agent whom understand the complexities of this law and can help you evaluate your current insurance with what is STILL available to apply for and obtain this year through a underwritten plan that can lock in benefits and rates - therefore avoiding the 1/1/14 nightmare and sticker shock of significantly higher premiums AND compare that to available plans that can be shopped on both the Public (subsidy eligible) Exchange and the Private Exchange plans that go live on January 1 with 16 new laws that take affect including the Essential Health Benefits & Guarantee Issue Provisions.
Personally, I have been licensed specifically in the Health Insurance line since 1997 and have an accomplished history and innate ability to PROPERLY & RIGHTEOUSLY assist, consult and advise my clients how to best protect their Health & Wealth... Please do not hesitate to call or message me with any questions regarding Obamacare... my time, knowledge and experience is FREE to you!
Nicholas Tkaczuk
708-514-4936
ntkaczuk@gmail.com
