Health Subsidies and the Exchange
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Dennis Jarvis
May 3, 2013, 5:06:35 AM5/3/13
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Please consider this free-reprint article written by:
Dennis Jarvis
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Article Title: Health Subsidies and the Exchange
Author: Dennis Jarvis
Word Count: 546
Article URL: http://www.isnare.com/?aid=1836678&ca=Medical+Business
Format: 64cpl
Contact The Author: http://www.isnare.com/eta.php?aid=1836678
Easy Publish Tool: http://www.isnare.com/html.php?aid=1836678
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It's very important to make sure you get the full health subsidy that you may be eligible for. Yes, eligibility depends on income but the plan you choose and where you purchase the health plan also affects your ability to receive the subsidy. We've discussed what is required to qualify based on income and we also discussed the requirement of the Silver plan but what about where you purchase your health plan? Does that matter? Yes! Let's discuss the role of the Health Exchange in receiving your health subsidy.
Introducing the Health Exchange
There will essentially be two markets for health insurance on the individual/family and group markes. THere will be a designated Health Exchange either ran by the State of Federal government and plans outside this Exchange or non-Exchange plans as they're described. There may even be private Exchanges but these are different than the one government Exchange available in any given State. Interestingly, if a carrier offers health plans in the Exchange, they must offer the same plans out of the Exchange at the same rate and vice versa. So what are the benefits to purchasing in or out of the Exchange?
Subsidies reside in the Exchange
Health subsidies will only be available in the State of Federally sponsored exchange and only on the Silver equivalent plan. This will be the primary driver to purchasing health insurance in the Exchange. Although the non-exchange plans will have the same basic rates and benefits, they will likely additional add-ons and expanded doctor/hospital networks. With health insurance rates expected to jump significantly, the health subsidies will become the most significant consideration to which plan you purchase and where you purchase it. We are able to quote the best rates and quotes for both Exchange plans (with health subsidies calculated after Oct 1st, 2013) through our quoting page. The first step of the quoting engine will be to determine if you might qualify for subsidies based on income and family make up questions. Based on your answers, the system will be able to show you Exchange plans with subsidies calculated right into the proposed quote or non-Exchange plans without a subsidy but with benefits afforded (such as expanded provider networks). Once the new rates are available online (October 1st), this will be the easiest way to find your most affordable options.
Health Exchanges can only show you half the picture
If you qualify for a health subsidy, it's hard to argue against an Exchange Silver plan. The amounts we're talking about are too high to consider not going that route. We're looking at 1000's of dollars in subsidized premium if you qualify. For many people, even the idea of restricted network cannot offset this savings. For those that do not qualify or who would like to see all the options, keep in mind that the Exchanges cannot show you the non-Exchange health plans. It doesn't make sense to only see half the plans when you can use our quoting engine to see both sides and then choose what's in your best interests. There is no cost for this service to you.
- See more at: http://www.healthsubsidy.net/Health_Exchanges_and_Subsidies.html
About The Author: Dennis Jarvis is a licensed health insurance agent who focuses on helping people understand the new health subsidy available through Reform for health care. http://www.healthsubsidy.net
Please use the HTML version of this article at:
http://www.isnare.com/html.php?aid=1836678
*********************** ARTICLE END ***********************
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Message delivered directly to members of the group:
publish-the...@googlegroups.com
*****************************************************************
Please consider this free-reprint article written by:
Dennis Jarvis
*****************************
IMPORTANT - Publication/Reprint Terms
- You have permission to publish this article electronically in free-only publications such as a website or an ezine as long as the bylines are included.
- You are not allowed to use this article for commercial purposes. The article should only be reprinted in a publicly accessible website and not in a members-only commercial site.
- You are not allowed to post/reprint this article in any sites/publications that contains or supports hate, violence, porn and warez or any indecent and illegal sites/publications.
- You are not allowed to use this article in UCE (Unsolicited Commercial Email) or SPAM. This article MUST be distributed in an opt-in email list only.
- If you distribute this article in an ezine or newsletter, we ask that you send a copy of the newsletter or ezine that contains the article to http://www.isnare.com/eta.php?aid=1836678
- If you post this article in a website/forum/blog, ALL links MUST be set to hyperlinks and we ask that you send a copy of the URL where the article is posted to http://www.isnare.com/eta.php?aid=1836678
- We request that you ask permission from the author if you want to publish this article in print.
The role of iSnare.com is only to distribute this article as part of its Article Distribution feature ( http://www.isnare.com/distribution.php ). iSnare.com does NOT own this article, please respect the author's copyright and this publication/reprint terms. If you do not agree to any of these terms, please do not reprint or publish this article.
*****************************
Article Title: Health Subsidies and the Exchange
Author: Dennis Jarvis
Word Count: 546
Article URL: http://www.isnare.com/?aid=1836678&ca=Medical+Business
Format: 64cpl
Contact The Author: http://www.isnare.com/eta.php?aid=1836678
Easy Publish Tool: http://www.isnare.com/html.php?aid=1836678
*********************** ARTICLE START ***********************
It's very important to make sure you get the full health subsidy that you may be eligible for. Yes, eligibility depends on income but the plan you choose and where you purchase the health plan also affects your ability to receive the subsidy. We've discussed what is required to qualify based on income and we also discussed the requirement of the Silver plan but what about where you purchase your health plan? Does that matter? Yes! Let's discuss the role of the Health Exchange in receiving your health subsidy.
Introducing the Health Exchange
There will essentially be two markets for health insurance on the individual/family and group markes. THere will be a designated Health Exchange either ran by the State of Federal government and plans outside this Exchange or non-Exchange plans as they're described. There may even be private Exchanges but these are different than the one government Exchange available in any given State. Interestingly, if a carrier offers health plans in the Exchange, they must offer the same plans out of the Exchange at the same rate and vice versa. So what are the benefits to purchasing in or out of the Exchange?
Subsidies reside in the Exchange
Health subsidies will only be available in the State of Federally sponsored exchange and only on the Silver equivalent plan. This will be the primary driver to purchasing health insurance in the Exchange. Although the non-exchange plans will have the same basic rates and benefits, they will likely additional add-ons and expanded doctor/hospital networks. With health insurance rates expected to jump significantly, the health subsidies will become the most significant consideration to which plan you purchase and where you purchase it. We are able to quote the best rates and quotes for both Exchange plans (with health subsidies calculated after Oct 1st, 2013) through our quoting page. The first step of the quoting engine will be to determine if you might qualify for subsidies based on income and family make up questions. Based on your answers, the system will be able to show you Exchange plans with subsidies calculated right into the proposed quote or non-Exchange plans without a subsidy but with benefits afforded (such as expanded provider networks). Once the new rates are available online (October 1st), this will be the easiest way to find your most affordable options.
Health Exchanges can only show you half the picture
If you qualify for a health subsidy, it's hard to argue against an Exchange Silver plan. The amounts we're talking about are too high to consider not going that route. We're looking at 1000's of dollars in subsidized premium if you qualify. For many people, even the idea of restricted network cannot offset this savings. For those that do not qualify or who would like to see all the options, keep in mind that the Exchanges cannot show you the non-Exchange health plans. It doesn't make sense to only see half the plans when you can use our quoting engine to see both sides and then choose what's in your best interests. There is no cost for this service to you.
- See more at: http://www.healthsubsidy.net/Health_Exchanges_and_Subsidies.html
About The Author: Dennis Jarvis is a licensed health insurance agent who focuses on helping people understand the new health subsidy available through Reform for health care. http://www.healthsubsidy.net
Please use the HTML version of this article at:
http://www.isnare.com/html.php?aid=1836678
*********************** ARTICLE END ***********************
- To distribute your articles go to http://www.isnare.com/distribution.php
- For more free-reprint articles go to http://www.isnare.com
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