Employer Mandate for 2015
The Employer Mandate is a part of the Affordable Care Act (ACA) that penalizes employers who do not offer health insurance coverage to their employees and dependents. The health plan has to meet certain criteria of the ACA and meet the definition of affordable to the employee. It does not address affordability to the dependents. […]
Community Ratings and How They Impact Indiana
Under the Affordable Care Act (ACA) or” Obamacare” health insurance companies are required to offer coverage to all people and businesses. This is called guaranteed issue and has helped a lot of Hoosiers. With Guaranteed issue, the ACA requires health insurance companies to use community ratings for Individual and small businesses. This is where the […]
Who Pays the ACA Related Costs for Group Plans?
A topic that will likely be addressed at your next next health insurance renewal meeting is likely going to be: Who will pay the Affordable Care Act related fees? Will it be the employees, employers… or both? Let’s find out more about what each of these ACA fees are and how much they will cost […]
United Health One Rate Increases
If you have a United Health One policy you may have experienced a rate increase this year. This has become a major problem, not just from a cost standpoint, but also from a Qualifying Life Event (QLE) standpoint. United Health One made a decision to move the renewal date of their Indianapolis members to December […]
The Good, The Bad, & The Ugly Of Healthcare Reform
We have been in the trenches with the healthcare reform roll out also known as Obamacare. We have seen and experienced all sides of the new Affordable Care Act (ACA) law and the impact it has had on Hoosiers. The Affordable Care Act has had a huge impact in the area, along with the rest of the […]
Health Insurance Open Enrollment is Coming to an End
Affordable healthcare is at your fingertips, but time is running out! We are coming to the end of open enrollment on March 31. March 31 signifies the end of open enrollment for health insurance under the Affordable Care Act. Whether you’re for or against the law, the deadline for getting covered is about two weeks […]
Will You Lose Your Doctor Due to Narrow Networks?
If you’ve been searching for a new healthy policy, you’ve probably heard by now about the narrow networks that are available. Since the insurance industry is trying to reduce costs, they have formed narrow networks to lower the cost of care. This applies to plans both on and off of the exchange. In the beginning, […]
Small Businesses Dropping Group Health Plans
Under the new health care laws, many small business owners are entertaining the idea of dropping group health benefits. This isn’t only happening here, but all across the country. Right now, there are projections on group rate increases for everyone. These projections have many small groups looking at a 30%-60% increase due to the Affordable Care […]
Health Care Reform
We are starting to see the impact of Obamacare, both the positive and negative initial outcomes. It depends on every Hoosier’s individual situation to say if they feel joy or if they feel pain. There is a lot of joy for Hoosiers that suffer from ongoing health conditions. This segment of our community is now able […]
Federal Health Insurance Exchange
The new Indianapolis Health Insurance Exchange will go live in only one week! Here at Nefouse & Associates, we are authorized to sell and service the exchange plans. There will be four options of coverage: Bronze, Silver, Gold and Platinum. Under the Affordable Care Act, often referred as Obamacare, no one can be denied coverage […]
