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Tag Archives: reform

Will You Get a Health Insurance Subsidy? You Might Be Surprised.

subsidyOne of the ironic points about the Patient Protection and Affordable Care Act on the horizon (also known as “Obamacare”) is that insurance rates are going to rise. In fact, they already have since the plans offered today are required to provide immediate benefits up front: most notably preventive care (physicals, screenings and immunizations) offered at no out-of-pocket cost to the patient.  It’s a benefit and it costs money. Read More…

Leveling Insurance Premiums with Community Ratings: The Good News and the Bad

levelLast week, we talked about how the time for open enrollment is fast approaching—at which point those individuals who are presently “uninsurable” will no longer be declined coverage. This enrollment period begins October 1 for coverage to take effect January 1, 2014. We also mentioned how the structure of insurance rates will also change under the Patient Protection and Affordable Care Act (PPACA).

Under Obamacare, insurance premiums will be determined by something called “community ratings.” Read More…

Navigating Health Reform (Part 6 of 7) (Medicare)

MyHealthQuoter.com provides Medicare Supplement, Medicare Advatnage Plans and Part D drug coverage for Medicare Elligible Recipients. Our brokers are informed, available and reliable. We’ll give you honest answers without the sales pressure. Call (866) 577-3620.

Below is a helpful timeline that shows what legislative changes are coming based on PPACA Health Refrom from the Obama Administration.

This is part of a 7 part series called Navigating Health Reform, please review some of our past entries.

Part 1: http://www.ohioindividualhealthinsurance.net/?p=422
Part 2: http://www.ohioindividualhealthinsurance.net/?p=432
Part 3: http://www.ohioindividualhealthinsurance.net/?p=437
Part 4: http://www.ohioindividualhealthinsurance.net/?p=444
Part 5: http://www.ohioindividualhealthinsurance.net/?p=510
Part 6: http://www.ohioindividualhealthinsurance.net/?p=524
Part 7: http://www.ohioindividualhealthinsurance.net/?p=625

Reduces annual market basket updates for inpatient and outpatient hospital services, long-term care hospitals, inpatient rehabilitation facilities, and psychiatric hospitals and units and adjusts payments for productivity.

Implementation: Beginning fiscal year 2010; productivity adjustments added to market basket update in 2012

Implementation update: The Centers for Medicare and Medicaid Services has issued several proposed and final rules reducing annual market basket updates for different provider types: inpatient hospital services (Final Rule August 16, 2010; Proposed Rule for FY 2012 issued April 20, 2011), outpatient hospital services (Final Rule November 3, 2010), long-term care hospitals (Final Rule August 16, 2010; Proposed Rule for FY 2012 issued April 20, 2011), inpatient rehabilitation facilities and psychiatric hospitals and units (Proposed Rule January 27, 2011).

2010:

Provides a $250 rebate to Medicare beneficiaries who reach the Part D coverage gap in 2010.

Further subsidies and discounts that ultimately close the coverage gap begin in 2011.

2010:

Increases the Medicaid drug rebate percentage for brand name drugs to 23.1% (except the rebate for clotting factors and drugs approved exclusively for pediatric use increases to 17.1%) and to 13% of average manufacturer price for non-innovator, multiple source drugs. Extends the drug rebate to Medicaid
managed care plans.

Implementation: January 1, 2010 for increase in Medicaid drug rebate percentage; March 23, 2010 for extension of drug rebate to Medicaid managed care plans Implementation update: The Centers for Medicare and Medicaid Services issued a State Medicaid Directors Letter on April 22, 2010 explaining the new rules.
On August 11, 2010 and September 28, 2010, CMS issued letters to state Medicaid directors with additional guidance on the prescription drug rebates. On January 6, 2011, CMS issued another letter with further changes pursuant to the ACA.

2010:

Establishes the Federal Coordinated Health Care Office to improve care coordination for dual eligibles (people eligible for both Medicare and Medicaid).

Implementation: March 1, 2010

Implementation update: The Federal Coordinated Health Care Office was created in September 2010. On December 30, 2010, CMS issued a notice in the Federal Register announcing the establishment of the Federal Coordinated Health Care Office.

Implementation: January 1, 2010.

Implementation update: In May 2010, CMS issued a consumer brochure with information about the Medicare Part D coverage gap. In June 2010, the first rebate checks were sent to Medicare beneficiaries who reached the Medicare Part D coverage gap, more commonly known as the “doughnut hole.”
As of March 22, 2011, 3.8 million beneficiaries had received a $250 check to close the coverage gap, according to an HHS report.

2011:

Requires pharmaceutical manufacturers to provide a 50% discount on brand-name prescriptions filled in the Medicare Part D coverage gap beginning in 2011 and begins phasing-in federal subsidies for generic prescriptions filled in the Medicare Part D coverage gap.

Implementation: January 1, 2011

Implementation update: On December 17, 2010, CMS sent a letter to pharmaceutical companies providing operational guidance for pharmaceutical manufacturers participating in the Medicare Coverage Gap Discount Program. According to the guidance, the Discount Program became effective
January 1, 2011. On June 28, 2011, CMS announced that nearly 500,000 people had received a discount on their brand-name prescription drugs, with an average savings of $545 per beneficiary.
As of August 4, 2011, 900,000 Medicare beneficiaries who hit the prescription drug doughnut hole received a 50 percent discount on their prescription drugs.

2011:

Provides a 10% Medicare bonus payment for primary care services; also, provides a 10% Medicare bonus payment to general surgeons practicing in health professional shortage areas.

Implementation: January 1, 2011 through December 31, 2015

Implementation update: On November 29, 2010, CMS published a final rule that implements the 10 percent incentive payment for primary care services.

2011:

Eliminates cost-sharing for Medicare-covered preventive services that are recommended (rated A or B) by the U.S. Preventive Services Task Force and waives the Medicare deductible for colorectal cancer screening tests; authorizes Medicare coverage for a personalized prevention plan, including a comprehensive
health risk assessment.

Implementation: January 1, 2011

Implementation update: On November 29, 2010, CMS published a final rule that will augment the benefits for the “Initial Preventive Physical Examination,” an annual visit for the purposes of developing a prevention plan for the patient. On December 2010, CMS released a Medicare Consumer Guide to
Preventative Services, including services that will no longer require cost-sharing (co-pays) in 2011 as a result of the health reform law. As of October 6, 2011, CMS reported that 20.5 million people had participated in the free Annual Wellness Visit or received other preventive services with no cost-sharing.

2011:

Creates the Center for Medicare and Medicaid Innovation to test new payment and delivery system models that reduce costs while maintaining or improving quality.

Implementation: Center established by January 1, 2011

Implementation update: On November 17, 2010, CMS issued a notice announcing the establishment of the Center for Medicare and Medicaid Innovation in its organization.

2011:

Freezes the income threshold for income-related Medicare Part B premiums for 2011 through 2019 at 2010 levels resulting in more people paying income-related premiums, and reduces the Medicare Part D premium subsidy for those with incomes above $85,000/individual and $170,000/couple.

Implementation: January 1, 2011

Implementation update: On November 4, 2010, CMS issued a fact sheet with Medicare premium information for 2011 reflecting higher premiums for Medicare beneficiaries whose incomes exceed a set threshold.
In January 2011, the Social Security Administration released a consumer publication reflecting the changes.

2011:

Restructures payments to private Medicare Advantage plans by phasing-in payments set at increasingly smaller percentages of Medicare fee-for-service rates; freezes 2011 payments at 2010 levels; and prohibits Medicare
Advantage plans from imposing higher cost-sharing requirements for some Medicare covered benefits than is required under the traditional fee-for-service program.

Implementation: January 1, 2011

Implementation update: The Centers for Medicare and Medicaid Services issued a letter to Medicare Advantage plans on April 5, 2010 announcing the freeze in 2011 payment rates at 2010 levels. On November 22, 2010, CMS issued a proposed rule updating the Medicare Advantage program. On April 15, 2011, CMS issued a final
rule updating the Medicare Advantage program.

2011:

Establishes an Independent Advisory Board, comprised of 15 members, to submit legislative proposals containing recommendations to reduce the per capita rate of growth in Medicare spending if spending exceeds targeted growth rates.

Implementation: Funding available October 1, 2011; first recommendations due January 15, 2014

2012:

Allows providers organized as accountable care organizations (ACOs) that voluntarily meet quality thresholds to share in the cost savings they achieve for the Medicare program.

Implementation: January 1, 2012

Implementation update: On April 7, 2011, the Department of Health and Human Services published a proposed rule in the Federal Register defining Accountable Care Organizations and set out requirements for governance,
legal structure, transparency efforts and the incorporation of evidence-based medicine and quality efforts.

HHS also released facts sheets for providers and consumers, as well as fact sheets on legal issues and quality scoring in ACOs. The Federal Trade Commission and Department of Justice issued a joint policy statement on antitrust issues related to ACOs. On May 20, 2011, CMS issued a request for applications for the Pioneer ACO
Program, which is targeted at organizations that can demonstrate the improvements in quality and cost-savings
of a mature ACO.

2012:
Reduces rebates paid to Medicare Advantage plans and provides bonus payments to high–quality plans.

Implementation: January 1, 2012.

Implementation update: On February 28, 2011, the Centers for Medicare and Medicaid Services issued a letter to Medicare Advantage plans announcing payment rates for 2012 that included changes included in the health reform law.
On November 22, 2010, CMS announced a proposed rule updating Medicare Advantage plan payments.

2012:
Creates the Independence at Home demonstration program to provide high-need Medicare beneficiaries with primary care services in their home.

Implementation: January 1, 2012

2012:
Creates new demonstration projects in Medicaid for up to eight states to pay bundled payments for episodes of care that include hospitalizations and to allow pediatric medical providers organized as accountable care organizations to share
in cost-savings.

Implementation: January 1, 2012 through December 31, 2016

2012:
Establishes a hospital value-based purchasing program in Medicare to pay hospitals based on performance on quality measures and requires plans to be developed to implement value-based purchasing programs for skilled nursing facilities,
home health agencies, and ambulatory surgical centers.

Implementation: October 1, 2012.

Implementation update: On January 13, 2011, the Centers for Medicare and Medicaid Services issued a proposed rule that would implement a value-based purchasing program for hospitals in Medicare. On May 6, 2011, CMS published a final rule on the value-based purchasing program.

2012:
Reduces Medicare payments that would otherwise be made to hospitals to account for excess (preventable) hospital readmissions.

Implementation: October 1, 2012

2013:
Begins phasing-in federal subsidies for brand-name prescriptions filled in the Medicare Part D coverage gap (reducing coinsurance from 100% in 2010 to 25% in 2020, in addition to the 50% manufacturer brand-name discount).

Implementation: January 1, 2013
2013:
Establishes a national Medicare pilot program to develop and evaluate making bundled payments for acute, inpatient hospital physician services, outpatient hospital services, and post-acute care services for an episode of care.

Implementation: January 1, 2013

2013:
Increases Medicaid payments for primary care services provided by primary care doctors to 100% of the Medicare payment rate for 2013 and 2014 (financed with 100% federal funding).

Implementation: January 1, 2013 through December 31. 2014

2013:
Increases the Medicare Part A (hospital insurance) tax rate on wages by 0.9% (from 1.45% to 2.35%) on earnings over $200,000 for individual taxpayers and $250,000 for married couples filing jointly and imposes a 3.8% assessment on unearned income for higher-income taxpayers.

Implementation: January 1, 2013

2014:
Requires Medicare Advantage plans to have medical loss ratios no lower than 85%.

Implementation: January 1, 2014
2014:
Establishes an Independent Advisory Board, comprised of 15 members, to submit legislative proposals containing recommendations to reduce the per capita rate of growth in Medicare spending if spending exceeds a target growth rate.

Implementation: First recommendations due January 15, 2014 (Funding available October 1, 2011)

2014:
Reduces Medicare Disproportionate Share Hospital (DSH) payments initially by 75% and subsequently increases payments based on the percent of the population uninsured and the amount of uncompensated care provided.

Implementation: October 1, 2014

2014:
Reduces Medicare payments to certain hospitals for hospital-acquired conditions by 1%.

Implementation: Fiscal Year 2015

NOTE: 2011 Annual Election Period (AEP) ends early this year, on December 7, 2011.

Please visit us at MyHealthQuoter.com or call 1-866-577-3620. We are here to help you understand your options and get you into the very best Ohio individual health insurance plan for you.

Subscribe to my online radio show, tune in live or listen to a recording;

Listen to internet radio with spiralight on Blog Talk Radio

Navigating Health Reform (Part 5 of 7): Health Reform Resources

Staying on top of health reform is critical. Individual and business need to keep abreast of the many changes that have already occurred as well as be informed about those yet to be implemented. Nearly every week, I am invited to speak public about health reform, below is a very short list of resources I use to stay up to date. Give me a call if I can answer any questions specific to your situation, (614) 336-3636 x 7.

The Patient Protection and Affordable Care Act (PPACA) is organized in 2 separate bills: HR 3590, from the Senate and HR 4872 the reconciliation bill that was eventually passed by the President.
Department of Health and Human Services provide a list of their current areas of emphasis including: medical loss ratio, exchanges, grandfathered health plans, and the Patient’s Bill of Rights.
• The Kaiser Family Foundation has handy timelines of when the PPACA rules take effect. The “official” source for information about health care reform is at HealthCare.gov.
• Another very helpful blog is Chris Conover’s blog, U.S. Health Policy Gateway.”
• In 2014, many Americans will qualify for federal assistance to help pay for health insurance, the Kaiser Family Foundation has a Health Reform Subsidy Calculator that show the amount of the potential individual premium subsidy.
• Small business can earn up to 35% health premium subsidy through Small Business Health Care Tax Credit.
• The Incidental Economist blog is a fascinating reading that explains the economic forces that shape health reform.

This is part of a 7 part series called Navigating Health Reform, please review some of our past entries.

Part 1: http://www.ohioindividualhealthinsurance.net/?p=422
Part 2: http://www.ohioindividualhealthinsurance.net/?p=432
Part 3: http://www.ohioindividualhealthinsurance.net/?p=437
Part 4: http://www.ohioindividualhealthinsurance.net/?p=444
Part 5: http://www.ohioindividualhealthinsurance.net/?p=510
Part 6: http://www.ohioindividualhealthinsurance.net/?p=524
Part 7: http://www.ohioindividualhealthinsurance.net/?p=625

MyHealthQuoter.com is a comprehensive website for your individual and small group health insurance needs. We offer FREE instant online insurance quotes and applications from major health insurance carriers.

Listen to internet radio with spiralight on Blog Talk Radio

Navigating Health Reform (Part 4 of 7)

Navigating Health Reform (Part 4 of 7)

Navigating Health Reform (Part 4 of 7)

Where do your Health Insurance Dollar Go?

Most can agree that our current health care system is wrought with inefficiencies. There is plenty of blame to go around. Far too much debate has centered around health insurance reform, however. Not enough energy has been spent on health CARE reform.

87 cents of every dollar you pay for your health insurance goes to doctors, hospitals and the pharmaceutical companies. 13 cents of every dollar goes to the health insurance companies which pays for things like claims, enrollment, billing and administration. In the end, over the lifetime of the insured, 3 cents of every dollar you pay for medical insurance ends up as profit for the insurance companies. The slide above illustrates this concept.

  • Health insurance companies need to do a better job at holding down costs and managing their overhead and administrative costs. They have the power to negotiate better rates. They can invest in technologies that streamline their processes.
  • Doctors and hospitals need to focus on better outcomes and run fewer unnecessary tests. Doctors need to have some protection from frivolous and non-sustainable lawsuits. Where possible, processes need to become more efficient. Initiatives like electronic medical records need to be implemented sooner rather than later.
  • The pharmaceutical companies need to check their pricing models. While their investment in research and development of new drugs is needed, the costs of that research needs to be better managed and should not result in a drug that costs $.10 to make being sold for $100.
  • The government needs to make sure that regulations are helping the industry and the citizens, not causing undue expense and burden.
  • Individuals need to take more responsibility for their own health care. Everyone should have regular, routine health screenings. Chronic conditions, like diabetes or asthma, need to be managed. Diet and exercise should become a part of daily life. Tobacco, alcohol, and drug consumption should be curtailed. Alternative therapies should be explored. It should harder to sue your doctor unless there is clear negligence. And whenever possible, individuals need to make sure they have adequate health insurance coverage, like an Ohio individual health insurance plan.

In the meantime, if you can’t wait for health care reform and are in need of an Ohio individual health insurance plan and would like a free quote today, please visit us at MyHealthQuoter.com or call 1-866-577-3620. We are here to help you understand your options and get you into the very best Ohio individual health insurance plan for you.
Even if you are currently uninsured, we may be able to help. Call us at 1-866-577-3620 or visit MyHealthQuoter today.

Listen to internet radio with spiralight on Blog Talk Radio

Your Host:

Matthew Byrne

Mr. Byrne is also co-founder and CMO of Spiralight Group & MyHealthQuoter.com and has developed proprietary systems and processes that leverage innovation to deliver cost savings to his clients.

This is part of a 7 part series called Navigating Health Reform, please review some of our past entries.

Part 1: http://www.ohioindividualhealthinsurance.net/?p=422
Part 2: http://www.ohioindividualhealthinsurance.net/?p=432
Part 3: http://www.ohioindividualhealthinsurance.net/?p=437
Part 4: http://www.ohioindividualhealthinsurance.net/?p=444
Part 5: http://www.ohioindividualhealthinsurance.net/?p=510
Part 6: http://www.ohioindividualhealthinsurance.net/?p=524
Part 7: http://www.ohioindividualhealthinsurance.net/?p=625

Navigating Health Reform (Part 2 of 7)

We can all agree our current system has its flaws.  Do you favor high taxes and larger bureaucracies to help offload some of the costs and adminstration of Health Reform implementation?  Or do you prefer an more Laissez-faire approach to the market place.   Leave a comment below and let us know how you feel?  Our current systems needs fixing but we can’t seem to agree about the best way to move forward. 

The PAPACA Health  won’t be cheap, below are the ways we will pay for it.

  • 0.9% Additional Medicare tax on earned income (2013) –Due on earned income in excess of $200K for single taxpayer or $250K for married filing jointly or $125K married filing separately.
  • 3.8% Medicare tax on unearned income (2013) –Due on un-earned income on individual taxpayers with a  modified adjusted gross income of in excess of $200K for single taxpayer or $250K for married filing jointly or $125K married filing separately. •Consult your tax professional
  • Tanning tax 10% (2010)
  • Annual Pharma fee (2011 ) begins in at 2.5Billion ($27B)
  • Annual Medical Device fee (2012) 2.3% of sales ($20B)
  • Annual Insurer fee (2014) ($60B)
  • Cadillac Tax, (2018) 40% excise, ($32B)
Is Health Reform Unconstitutional?

Individual Mandate in the courts

What a lot of people don’t tell you is that affordable coverage has been thriving in the individual and family health insurance market for years.

What if you could instantly get online competitive quotes direct from all major health insurance carriers?  Imagine the savings. 

What if you could immediately choose the right plan for yourself, apply online, pay online and never have to talk to a broker (unless you wanted to)?  Think of the convenience.

 Simply follow these safe and secure links to APPLY for your health insurance plan today. 

 If you already know what you want and are ready to apply, you can have the confidence to know that using our links provides access to the states lowest rates.

Anthem Blue Cross & Blue Shield: http://bit.ly/e6jBwk (get effective dates as soon as tomorrow)

United Health, Golden Rule: http://bit.ly/i1g22y (30 day waiting period)

AETNA:  http://bit.ly/gWZG03 (1st and 15th effective dates)

Medical Mutual:  http://bit.ly/i3XWUL (effective dates as soon as tomorrow)

www.MyHealthQuoter.com is in the business of helping people like you stay healthy – while offering protection from the financial risk of high medical costs.

 Our services are free to use and we have plans specifically designed for Individuals and Families – for almost every situation.

 • Leaving an Employer Plan

• Alternative to COBRA coverage

• Becoming Self Employed

• Student no longer eligible under their parents’ plan • Early Retirees • Lower costs on Dependent Coverage

Our Individual plans operate in much the same way as health coverage through an employer – with copays for doctors’ visits, prescription drug coverage, choices for high- or low-deductibles, wellness extras – even optional Health Savings Accounts (HSAs) that make it easier to set aside tax-free money for out-of-pocket medical expenses.

In addition to health plans, Dental and Life insurance products are also available.

I guarantee you can’t buy health insurance for less anywhere else.   Shop the market from all of the major carriers and save by calling us at  (866) 577-3620 or by visiting http://www.MyHealthQuoter.com to obtain a no-obligation quote.

I hope to hear from you soon.

Matthew Byrne, President

(866) 577-3620

Instant Health Reform Compliant Quotes, Compare and Save

http://www.MyHealthQuoter.com

This is part of a 7 part series called Navigating Health Reform, please review some of our past entries.

Part 1: http://www.ohioindividualhealthinsurance.net/?p=422
Part 2: http://www.ohioindividualhealthinsurance.net/?p=432
Part 3: http://www.ohioindividualhealthinsurance.net/?p=437
Part 4: http://www.ohioindividualhealthinsurance.net/?p=444
Part 5: http://www.ohioindividualhealthinsurance.net/?p=510
Part 6: http://www.ohioindividualhealthinsurance.net/?p=524
Part 7: http://www.ohioindividualhealthinsurance.net/?p=625

Listen to my internet radio program about ohio health insurance, tune in live or listen to a recording;

Listen to internet radio with spiralight on Blog Talk Radio

Navigating Health Reform (Part 1 of 7)

Regardless of where you fall of the subject, we can all agree our system does not function with maximum efficiency. Many improvements are necessary.  What changes are made and how they are implemented is under fierce debate.

“Government means politics, and interference by government carries with it always the implication of coercion. We may accept the expanding power of bureaucrats so long as we bask in their friendly smile. But it is a dangerous temptation. Today politics may be our friend and tomorrow we may be its victims.”    

Owen D. Young  

(chairman of General Electric. 1874-1962)

 “My friend told me he got the chicken pox. I told him I caught politics and never got over it.”  

–Jack Johnson (American Singer and Guitarist, b.1975

 

Changes  effective September 23, 2010

•No pre-existing conditions under 19 years old

•Dependent coverage to 26 (if no other coverage is available).

–Ohio law expands this to 28

 •No lifetime limits on essential benefits

 •Restricts annual limits on essential benefits

•No rescission (except for fraud)

•Participant may choose PCP

 •No pre-authorization for OB/GYN

•ER covered in and out of network

 •No cost sharing on preventive

Please stay tuned for a host of blogs that outline ALL the major changes in Health Reform.

Health Reform has created some great new opportunities to find affordable coverage and the staff at MyHealthQuoter are here to help.  Visit us online today for a free quote.  Or call us today at 1-866-577-3620 for personal help in choosing the most affordable and comprehensive Ohio individual health insurance plans available.

This is part of a 7 part series called Navigating Health Reform, please review some of our past entries.

Part 1: http://www.ohioindividualhealthinsurance.net/?p=422
Part 2: http://www.ohioindividualhealthinsurance.net/?p=432
Part 3: http://www.ohioindividualhealthinsurance.net/?p=437
Part 4: http://www.ohioindividualhealthinsurance.net/?p=444
Part 5: http://www.ohioindividualhealthinsurance.net/?p=510
Part 6: http://www.ohioindividualhealthinsurance.net/?p=524
Part 7: http://www.ohioindividualhealthinsurance.net/?p=625

Listen to internet radio with spiralight on Blog Talk Radio

Individual Mandate – Congress to require all Americans buy health insurance

A mandate that individuals buy health insurance is more likely to gain bipartisan support than a requirement that companies offer plans as lawmakers work for a consensus on health-care legislation, said Senator Charles Grassley, the ranking Republican on the Finance Committee.

Americans could be forced to have health insurance, in the same way states require automobile insurance, Grassley said on “Fox News Sunday.”

http://www.bloomberg.com/apps/news?pid=20601070&sid=aJGg_5IAU5_Q

Health Insurance Reform

Health Insurance Reform

How to Shop For Affordable Ohio Individual Health Insurance?

Do you find you don’t have time to shop for Ohio individual health insurance?  Have you shopped online for Ohio individual health insurance and lost your mind trying to figure out the difference between 180 plans?  Have you been confused by some of the industry terminology?  Wondering if the health savings account is something you should consider?

Help is here.  It is probably worthwhile to familiarize yourself with the Ohio individual health insurance plans available and give some thought to these questions:
1. How much are you willing to budget monthly for Ohio individual health insurance?

2. How much of a deductible are you willing to shoulder?  Typically, like car insurance, the higher the deductible, the lower the monthly payment.  Are you willing to shoulder $5000 of medical care? $1000?

3. Are you the type that visits the doctor annually even if you feel good or are you the type that waits until medical care is absolutely necessary?

With your answers in mind, you may be able to navigate through the hundreds of plans available and get a free quote online instantly and expert advise at MyHealthQuoter.com, http://tinyurl.com/mvv2ln

If you are wondering about the impact that the answers to the questions above might have on the cost of an Ohio individual health insurance, then call on of My Health Quoter’s professionals at (866) 577-3620.

Remember to look for the right plan for your circumstances, and don’t let any agent tell you they can get you a better price.  They can’t — the Ohio Department of Insurance ensures that all sources provide the same price for the same plan.  It about choosing the right plan to fit your budget andworking with a licensed expert such as those found at;

MyOwnBossHealthInsurance http://tinyurl.com/n4qvht

Between Jobs Health Insurance http://tinyurl.com/nyqew2

MyHealthQuoter.com http://tinyurl.com/mvv2ln

COBRA Subsidy Help

If you have recently lost your job, upon unemployment, some of you will qualify for a COBRA extension for your Ohio individual health insurance.

Instead of only paying the employee contribution of your health plan, you will have to pay your contribution, the business contribution, and an administration fee.

Health Insurance Reform

Health Insurance Reform

COBRA subsidies of up to 65% for 9 months are available for those who qualify;  to find out if you and your family qualify for government support, call 866-577-3619.

For those who qualify for the subsidy, the temporary savings is not always the best choice. While you may save a few dollars in the short run, if you encounter an illness during that time you may become uninsurable and may not qualify for Ohio individual health insurance in the future.  A better course of action would be to obtain affordable coverage now when you don’t have any major illnesses.

Why Ohio Individual Health Insurance?

1) Permanent  – as long as you pay your monthly premium, no one can take it away from you.

2) Portable – Ohio individual health insurance is NOT contingent on your employment, you own it and you can take it with you from job to job.

3) Affordable.  Individual & family insurance gives you full medical coverage, just like group health insurance, except at about 1/2 the cost.

When you shop online, make sure you deal with reputable agency not a lead generation company that will sell your information to up to 5 different brokers.

The following sites allow online quotes for Ohio individual health insurance that are fast and free with no obligation to buy.

Each site assigns you 1 and only 1benefit consultant to provide you the support you need;

http://www.betweenjobshealthinsurance.com
http://www.MyOwnBossHealthInsurance.com
http://www.MyHealthQuoter.com/