The Patient Protection & Affordable Care Act – “Obamacare”

The Patient Protection & Affordable Care Act (“PPACA”; “ACA”), also known as “Obamacare” , represents a complex overhaul to our American Health Care System. Please contact us directly for details and for a formal quote on this complex area of Health Insurance:  800.482.5347 (Weekdays, 1-5PM).

We are licensed and Covered CA Exchange-Marketplace CERTIFIED to be able to assist Individuals & Families (“IFP” Plans), as well as all Employer Group sizes (“SHOP”).

INDIVIDUAL & FAMILY Health Insurance Plan Quotes:

The following information is needed to quote you Plans & Rates for Subsidized Health Insurance coverages via the Covered CA Healthcare Exchange/Marketplace. Please email us with your answers to the  following questions:

Here is what is needed, on each of the person’s of your tax Household who are seeking coverage. Once we get this info back, we can then run Rate Quotes & Plans for your consideration:

Full Legal Name

Residence Address with ZIP

Phone (whatever you use most and depend most upon)

Email (same as above note)

Date of Birth

Social Security #

A copy of the Primary Insured’s Proof of Residency (i.e., CA Driver’s License)—use a PDF or Photo and attach in your reply email.

Projected (AGI) Household Income for the year in which you are seeking coverage (and break it out by each person, as to how paid and by which source)

Employer Name and Address for the coverage year we are working on.

IMPORTANT NOTE:  If a Household Member works for an Employer that offers Health Insurance on that Employee and cost shares towards that Employees Health Plan premium costs/payments, then that person is not eligible for any Tax Subsidy or to obtain coverage via the Healthcare Exchange. If that Person’s Employer offers “Dependent Health Insurance” and also cost shares, in any amount, then said Dependent is also not eligible for any Tax Subsidy or a Health Plan via the Healthcare Exchange.

We also design Self-Funded Group Health & Benefits Plans for Employer sizes 51+ to several thousands (see here for various types of group benefits plan types and CENSUS).

The following provides and Overview of The Patient Protection & Affordable Care Act (“PPACA”; “ACA” aka “Obamacare”), with respects to Tax Law, Individual MANDATE and both Individual Family Plans and Employer Group Plans Requirements [certain Employer Group sizes are MANDATED to cover certain percentages of their Full Time Employees (and “FTEs” – Full Time Equivalent Employees) depending on Group size and tax year]:

ACA-Technical Overview of Law & Tax & IFP and Employer Mandate Regs

The following addresses certain common Group Employer/Employee questions under the Law, that will help Employers to understand their responsibilities under Obamacare (requirements, fines, prohibitions, etc.) in an easy to follow Q&A Format.

NOTE:  The Employer Mandate has been pushed forward to 2015 & in its complete manifestation in 2016. The first of the following 2 links provides such updated details:

ACA-Employer Mandate to Provide Group Coverage

ACA-Employer Responsibilities

The following Form is a practical tool to help Employers determine (calculate in accordance to the law) their Full-Time vs. includable Part-Time Employees under Obamacare:

ACA-Determining FTEs Under PPACA

 Exemptions from Tax Penalties Under the Individual Mandate:

ACA-Exemptions from Individual Tax Mandate Penalties

ACA-Special Enrollment Period (SEP)-List of Qualifying Events to Obtain Health Insurance Outside of the Standard Open Enrollment Period of November 15th to February 15th


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