Individual
Your Health Matters: Become Your Own Advocate
Are you dealing with a health issue and feeling like no one is on your side? Are you struggling to get answers? It's time to take charge of your health. Fortunately, there are many ways you can advocate for improved h…
Individual
The Drawbacks of Healthcare Sharing Ministries: Unveiling the Challenges
In this article, we will explore some significant drawbacks associated with healthcare-sharing ministries, including the ne...
Individual
The Complete Guide of Individual Health Insurance Plan Options
IntroductionWith the explosion of health insurance options available in the United States, it can be overwhelming to choose the right plan. This guide will help you understand what different types of plans are availab…
Individual
Tips for Starting Your Side Hustle While Staying Healthy
Image via PexelsStarting your own business while holding down a full-time job can be stressful, but it’s important to remember that you are your most valuable asset, and you need to take care of yourself. Even if you…
Individual
5.1 Million Impacted By Family Glitch: What Is It, And How Is The IRS Taking Steps To Fix It?
A headline from the scholarly journal, Health Affairs, starts… “The Family Glitch: Some low-to-moderate-income families may be locked out of receiving financial assistance to purchase health coverage through the Marke…
Individual
Individual Health: Calculating Household Size and Income for Premium Tax Credits
Since the passage of the Affordable Care Act, there have been mixed reviews on just how “Affordable” health insurance premiums are. The reality here is that the term “Affordable” has an actual, real-world, technical d…
Individual
1.3 Million Potentially Impacted by IRS Fine Print...Are you? [Form 8962 Guidance]
FORM 8962 URGENT UPDATE - TAX YEAR 2021ATTENTION: INDIVIDUAL TAX AND HEALTH INSURANCE PROFESSIONALS, AND CONSUMERS WHO WERE ENROLLED IN AN INDIVIDUAL HEALTH INSURANCE PLAN IN 2021 PLEASE FORWARD TO ANYONE YOU BELIEVE…
Individual
Filing your taxes? How to use “Path to Pennie” to pick up affordable health insurance too [Document]
In most years, individuals who don’t have access to health insurance select their plans during the annual Open Enrollment Period between November 1st – and December 15th. These dates can vary from state to state, and…
Individual
Health Insurance and Taxes: Avoid a Five-Figure Penalty with Form 1095
What is Form 1095?If you are insured by an Employer, Medical Assistance, Medicare, or individually, you’ve probably thrown this form in with your paperwork and given it to the accountant come tax time. This form has t…
Individual
My Health Insurance Premium Went Up! What is Going On?
The number one question we are receiving this open enrollment is "Why is the same plan so much more? Nothing has changed!" If you are experiencing this, you are not alone. We currently help clients in Florida, Georgia…
Individual
Premium, Deductible, Coinsurance: Oh My! Insurance Terms in Plain English
When it comes to healthcare, there are several terms regularly mentioned by your broker, in plan documents, and in medical bills. This article is meant to dispel some of the confusion that comes with health insurance…
Individual
Hospital Price Transparency Rule
Originally posted April, 2021, by the Lancaster Medical Society, in the Lancaster Physician Magazine here on page 22 where our principal, Joshua Brooker, was the Author.A patient comes to the ER complaining of a heada…
Individual
Companies look for way to help cover out-of-pocket expenses
In today’s competitive marketplace, companies offer their employees an exceedingly wide array of benefits. After all, benefits play a key role in attracting and retaining employees. Some employers choose to focus on t…
Individual
What You Need to Know About Special Enrollment Periods
As you likely know, the health insurance marketplace is a hub for individuals and families that are looking to purchase health insurance. Looking at the marketplace, you can find a wide range of plans that can fit bot…
Individual
What is Coinsurance? And other key terms explained..
When it comes to health insurance, there are alot of terms thrown around. Coinsurance, copays, network, discounts, out of pocket maximum...why can't it just be easy? The "glossary of terms" is not much better. It's li…
Individual
Unpacking ARPA: Business Edition
Wow. Just wow. The American Rescue Plan Act(HR1319) is here. Signed into law on 3/11/2021 it is so much more than the $1,400 stimulus checks Congress has been promising. After several days we've read the full law top…
Individual
Unpacking ARPA: Consumer Edition
Wow. Just wow. The American Rescue Plan Act (HR1319) is here. Signed into law on 3/11/2021 it is so much more than the $1,400 stimulus checks Congress has been promising (we'll get to those). After several days we've…
Individual
30 Days to Process
You don't have to buy individual health insurance for a month if you don’t want to. This isn’t required to comply with the terms of the Affordable Care Act (ACA). However, you may want to buy a short-term policy in ca…
Individual
The Main Differences Between Health Insurance Brokers, Assisters, and Navigators
Purchasing a health insurance plan from the Health Insurance Marketplace can be an effective way to get affordable, comprehensive health care coverage. Yet while there are many compelling health care plans that indivi…
Individual
No More Healthcare.gov in Pennsylvania, meet Pennie!
On July 2nd, 2019 the Pennsylvania Senate passed Act 42, paving the way for Pennsylvania to take back control of its healthcare from the federal exchanges. When Obamacare, the ACA, was initially introduced in 2010 it…
Individual
Should I Take COBRA?
Many Americans get health care coverage from their employers. A recent Kaiser Family Foundation survey showed that around 156 million Americans—or around 49% of America’s population—have some type of health insurance…
Individual
3 Ways, Besides Insurance, To Cut Out Of Pocket Healthcare Costs
No matter our current health or our financial circumstances, it’s safe to say that we all want to spend less cash on health care. While we can get fantastic health care in the United States, the costs can be hard to s…
Individual
Evaluating the Pros and Cons of Individual Medical vs. STM Coverage
When looking for different types of health care plans, you will start to notice that there is a dichotomy between two different types of individual medical coverage. That separation is between short-term medical cover…
Individual
Breaking Down Why Group Insurance Can Be Costly To Families... The Family Glitch.
According to recent data, more than 50 percent of Americans under the age of 65 obtain health insurance through their employers. The Affordable Care Act (“ACA”), along with other public plans like Medicaid, offer cove…
Individual
5 ways to qualify for a Special Enrollment Period
As you likely know, the health insurance marketplace is a hub for individuals and families that are looking to purchase health insurance. Looking at the marketplace, you can find a wide range of plans that can fit bot…
Individual
Great News! Health Insurance Rates in PA are Going Up
Alright, so health insurance rates going up may not feel ideal. However, this year may be a great opportunity, though, if you and the people you know enrolling in individual insurance fit in a few camps.On the heels o…
Individual
Obamacare enrollees could get big tax bill
For many of Pennsylvania's 426,000 enrollees on HealthCare.gov, thousands of dollars are at stake come tax time.And if you earned more than expected, you could end up owing the government quite a check in 2018. "Even…
Individual
Experts: Underestimating income for marketplace health insurance can lead to huge costs at tax time
Pay attention when filing taxes, or you could end up owing the feds thousands of dollars if you bought health insurance through healthcare.gov.Advisers say higher premiums this year mean that small changes to househol…