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Our
American Government has made health insurance mandatory. Each & every
person will have to get insurance at or before 2014. Almost everyone is going
to be affected by this including individuals, employees andemployers.
Individual Health Insurance
Individuals
are required to have health insurance. If he or she does not have access to
affordable employer coverage then other alternatives are to be explored. In
such cases, the person can purchase coverage from a health insurance exchange.
But they have to pay a premium for it with rare exception.
From Employers’ Point of View
Small
businesses can purchase insurance coverage through a separate exchange called
SHOP or from the Individual exchange. Large employers will need to pay more
attention to their employee’s health insurance coverage. Because if their employees
receive tax credits for their health insurance through theexchange , then that
employer will be assessed some penalties. Small employers are exempt
Insurance Companies/Insurance Carriers
Significant
regulations will be imposed on almost all health plans. This includes
preventing the insurers from denying health insurance for any reason
whatsoever. Current health status will not be used as a loophole to reject
insurance or charge higher premiums.
Senior Citizens
All
the senior citizens above age 65 will get benefits of expanded Medicaid. But
for this they must be at 135% of the poverty level decided.
Get Health Coverage today
As
stated above it would be mandatory for every individual to have health
insurance from the start of 2014. If not, then there is going to be a penalty
of the larger of $ 95 per person or 1% of incomein 2014. So definitely it makes
sense for every American to get insurance coverage as early as possible.
Even
though the indigent won’t be assessed a penalty,
it is clear that getting health insurance from a good company (which could be
free) is in the best interest of us all.
How & Where to get Insurance Coverage
Now
getting good, affordable health coverage could be a challenging task if you
want to do it yourself. You would get information from each company and then
compare it yourself. It will require much effort and still there’s no guarantee
that you will choose wisely. It’s not surprising that 57 % of the adults who
actively tried to buy insurance found it daunting and even impossible to get the
rightcoverage for themselves.
To
help all such individuals, employers and senior citizens, there is a great site
which will do all the work for you. With as little as your zip code you will instantly
be presented with the options of the most suitable insurance plans for you.
This site is very beneficial for individuals, employers and even for students
& senior citizens. Best of all, the
cost of the insurance is the same as if you went it alone because the cost is
regulated by the government and it matters not how you purchased it.
So
stop worrying about your insurance coverage or where to get it. Simply go to www.qqbenefits.com
and get it done, Today.
