WHO is Open Enrollment for? ONLY for those with MAJOR PRE-EXISTING CONDITIONS who need an ACA/Obamacare/BCBS Plan

Open Enrollment depends on if you are choosing between an ACA Plan OR a Non-ACA plan. Those of you with NO MAJOR PRE-EXISTING CONDITIONS, you can enroll ANYTIME during the year! You would sign up for a NON-ACA/Obamacare Plan (major medical). Many carriers have Non-ACA Plans like United Healthcare, National General, Aetna, etc. Those of you WITH major pre-existing conditions (heart disease/stroke, cancer, chronic obstructive pulmonary disease (COPD), diabetes, human […]

Top 5 Biggest Problems with ACA Plans

Who were ACA plans created for? ACA plans were designed only for people with major pre-existing conditions like heart disease, cancer, COPD, diabetes, etc. and those who are in need of maternity care. ACA/ObamaCare makes health insurance guaranteed issue meaning you can’t be denied health status, age, gender, or other factors. Just because insurance is guaranteed issue doesn’t mean you can’t be charged more for certain factors, although the ACA […]

ACA Plans VS Non-ACA Plans? Which is Best for You?

“Do I need to be on an Obamacare plan (Affordable Care Act),” this is a comment I hear about 70% all the time when I first speak to a new client. The fact is if you have NO major pre-existing conditions, you do NOT have to be on an Obamacare plan. Also, the good news is that the IRS Individual Mandate is now history. The IRS announced early Tuesday, February […]