Monthly Archives: March 2014

Get Health insurance coverage Tax Credit now

Get Health insurance coverage Tax Credit 

Everyone will get more time to enroll in the ACA (Affordable Care Act) insurance plans if they started the process but were unable to complete it before the March 31 2014 deadline.Some insurers will be accepting applications through April 2014!

Under the health care law, consumers who aren’t insured by the end of March may have had to pay a penalty of as much as 1% of their income.

About 5 million people enrolled in private plans through March 17 using government health exchanges created by the 2010 Patient Protection and Affordable Care Act, the Obama administration has said. With a last-minute surge, the U.S. effort may meet or exceed 6 million, the most recent estimate of the Congressional Budget Office, 

Obama administration officials were deployed across the country over the last month to help push enrollment in advance of the deadline.

The health care law seeks to cover many of the nation’s 48 million uninsured people, either through private plans sold on the exchanges — often with the help of government subsidies to reduce premiums — or expanded Medicaid programs in about half the states.

Get Health insurance coverage Tax Credit now

Go to Eric’s insurance web site to check out your status and apply OR call Eric direct @ 602-616-1660

Open Enrollment- Ended for 2014- How do I get coverage with a Tax Credit?

Open enrollment ended- 3/31/2014!!

After that date you can ONLY enroll in a private insurance plan, whether through ( if you are eligible for a tax credit ,cost sharing payments, etc because of low income ) or through any broker, insurance company,etc ONLY if you have certain life events that provide a special enrollment period for you.

HOWEVER, you can always enroll in Medicaid ( AZ- AHCCCS) or the Children’s Health Insurance Program ( CHIP) AT ANY TIME

Qualifying Life Events.

  • Getting married,
  • Having, adopting or placement of a child,
  • Permanently moving to new area that offers different plan options.
  • Losing other health coverage( e.g. due to a job loss, divorce, COBRA expiration,etc). VOLUNTARY quitting the health coverage or being terminated or not paying your premiums are not considered loss of coverage.
  • For people already enrolled in Marketplace coverage, having a change in income or household status that affects eligibiity for tax credits or cost sharing reductions.

IF you have a qualifying life event you get a special enrollment period. This means that you can enroll in or change your health insurance plan outside of the open enrollment perod.

The special enrollment period lasts 60 days from the date of the qualifying event..


The next proposed open enrollment period is November, 15th 2014 -January 15th 2015 for 2015.

NOTE: MEDICAID(AZ- AHCCCS) AND CHIP-ENROLL ANY TIME!! You can find out if you qualify for Medicaid or CHIP by filling out a Marketplace( application or going directly to your state (AZ-AHCCCS )Medicaid agency.   You’ll probably qualify if your income is below $15,800 for an individual or $32,500 for  family of 4 approx. Please check it!!

f you want health insurance and a Tax Credit to help pay the premium with cost allowances – use the calculator on this web site to see if you quality BUT you will probabaly have to wait for the next Open Enrollment!!!


Eric’s insurance web site for quotes NOW!! 




Open Enrollment ends- 3/31/2014!! all plans

The Open Enrollment Period (OEP) applies to all Obomacare qualified (ACA) both ON Marketplace (anyone with Tax Credits ) and OFF Marketplace ( No tax credits,etc) enrollment.

The last day to apply for an individual/family Qualified Health Plan is March 31st, 2014


    Next proposed OEP is November 15, 2014-February 15, 2015


    life changing event- divorce,adoption, change location,lose coverage ,marriage, etc.

    See Eric’s insurance web site:

Non ACA approved individual/family health plans -to be extended!

The Obama administration will allow a two-year extension for people whose individual health insurance policies don’t comply with requirements of the new healthcare law a government official familiar with the policy said Wednesday.

The administration has decided to extend for another two years a transition plan that the White House announced last fall. The extension would be valid for policies issued up to Oct. 1, 2016.

It’s not clear how many people would actually be affected by the latest change. About half the states have allowed insurance companies to extend cancelled policies for a year under the original White House transition plan. The policies usually provided less financial protection and narrower benefits than the coverage required under the ACA law.

It’s also not known if policyholders will find any financial relief if they are allowed to stay with their extended policies. Insurers in several states where extensions were allowed for 2014 have said they planned to hike the cost of those plans.

The insurance cancellations undercut President Obama’s promise that if people liked their plan they would be able to keep it under his health care law.

For individal/family health insurance quotes/plans go to Eric’s insurance web site