@@7x779 Ordinarily the deadline is Dec. 15 (even some of the advertisements get it wrong!). This year it will be until Jan. 15 www.nevadahealthlink.com/start-here/how-to-enroll/open-enrollment/
Wow, this video was fantastic, thank you so much for this content. It made my anxiety considerably lower. I am moving with my family from Europe to the US soon and this was driving us crazy.
It's enough to make your head spin! Whether you choose us or another broker, we highly recommend working with a broker especially if you are unfamiliar with the (very complicated) US healthcare system. FYI, when you first move, you will be eligible for a special enrollment period, so make sure to plan for that. Safe travels!
Keep your socialism at Europe. Biden and his politicians want you to be dependent on the fat, bloated corrupt government services and unable to think and take care of yourself and your family. Do you think this woman in the video or Biden and his family will be using socialized healthcare? Try Canada, UK or China, they love peasants to kept down groveling for scrapts and waiting for months to get a bandaid.
Great info.Thank you. In one of your videos you touched on COBRA and transitions to ACA before 65. My question is if I take COBRA( that is offered for 18 months) at full price am I obligated to keep for the full 18 months before applying for ACA with subsidy or can I quit the Cobra prior to the 18 months and get on Cheaper ACA( with subsidy )when the open enrollment time comes next. All I remember reading on this subject was that I wouldnt be eligible for ACA insurance if ....(the Cobra being available to me was one of these disqualifiers) Thanks again.
Hi Harold. You can cancel COBRA at any time. Unfortunately cancelling COBRA won't make you eligible for a special enrollment period so you may have to wait until open enrollment (unless you experience an additional qualifying life event). BUT if you've recently lost your job and your health insurance you may still be able to take advantage of a special enrollment period. When did you lose coverage? Additionally, participating in COBRA should not affect your eligibility for an ACA subsidy. It is not considered an offer of employer-sponsored coverage.
Love your channel! I’ve learned so much! Question: my spouse and I are repatriating back to the US July 2022. Are we entitled to enroll in a marketplace plan based on our change in life situation? If so, how is the annual premium handled? Will we pay a premium for the remaining 6 months of 2022? How does that work?
Thanks! So glad we could be of help! Moving will qualify you for a special enrollment period so you should be able to enroll upon your return. The premiums are actually paid monthly so you'll only be responsible for the payment once you've enrolled. You can view the plans (that will still be available as of July 2022) now on Healthcare.gov or whenever you want to start researching. And of course, feel free to call us at 888-410-0344 if you have any questions. Safe travels!
I will be applying over the next couple of weeks. I should be divorced by the end of December but I’m unsure of how long it will be drawn out…what should I put for my marital status? I will def before divorced by the beginning of the year.
Well, once your divorce is final you'll actually become eligible for a special enrollment period. You can update or even change your insurance at that time!
Hello, I have a question about "deductible": so if I have a $5000 deductible, Do I have to meet my entire deductible and then insurance kicks or the insurance covers some costs before I meet my deductible??? this is confusing for me! Thanks and great info :)
It's confusing for a lot of people! Some services will be covered even before you meet your deductible, for example many of your basic doctor's visits. BUT, you may have to meet your deductible if you have something more costly or involved like a hospital stay. For example, for marketplace plans, all of the office visits for a pregnancy are covered (with no copay) even before the deductible is met, but there will be a charge for the labor and delivery in a hospital. If you'd like, feel free to give us a call and we can go through your plan with you to explain in further detail: 888-410-0344. There is no charge for our services.
This video is about open enrollment for 2022 marketplace plans. This year open enrollment has been extended. In most states, it will go from Nov. 1 2021 to Jan. 15 2022.
May be a stupid question but I work in the travel healthcare industry. Most of my income comes from tax free stipends out of my paycheck. When the marketplace asks me for my monthly income, do i add in the complete total w/ stipends or just the taxed amount thats reported. Lets say im taxed at 14 an hour but my stipends/per diem totals 1500$ weekly. Do I just report the 14/hour? Looks like im given a nice tax credit because the market place thinks im just making 14$
It's not a stupid question at all! Actually, we've been going back and forth about this one...It's a very gray area. Unfortunately, I would say it's best to confirm with an accountant. You don't want to end up having to pay the tax credit back!
Hello, my name is Roman and I have a question. I'll try to make myself understand the best I can. I live in Texas and I'm 29 years old. I'm single, don't have any kids and I live with my parents and I'm trying to enroll in a health plan through Obama care. I'm currently not working and I don't know what my income it's going to be for 2022. If for example, my yearly income will be of about 3000 dollars, am I going to be able to enroll in a health plan through Obama care? I am asking this because I heard that if your income was under 12,500 you don't qualify. What could be my options in this case? Thank you.
Hi, I am turning 26 may 14 do I need to do open enrollment if I am under my parents market plan? Or do I have till this year after the coverage period to get mine own
Hi Tenisha. There are some rare occasions when coverage will end when you turn 26, but usually you have until the end of the year. Check with your plan to determine the specifics. You can also check out this video for options: ruclips.net/video/PD5mUqwX3jY/видео.html Feel free to call with any questions: 888-410-0344. Best of luck!
My dad missed open enrollment and is currently uninsured. Tried to apply for Medicaid here in Nevada, but due to how his sole proprietorship income is calculated, he does not qualify. Is there any way he can get a marketplace plan now? I've heard that if you simply apply to Medicaid and receive a denial letter, that alone will enable someone to shop on the marketplace. I need to get him health insurance ASAP and the temporary plans that aren't ACA compliant will not work.
Hi Sean, your father may be eligible for a special enrollment period which would allow him to enroll in a marketplace plan. Please give us a call at 888-410-0344. There's no charge for our services and we can help with the special enrollment period before he misses his window. Best of luck and thank you for your question!
Hi Bob, thanks for your question! There isn't actually an income limit for marketplace plans. However, you'll only be eligible for premium tax credits (which significantly lower your monthly premiums) if your income falls within a certain range based on your household size. Under the ARPA, many more people are eligible for premium tax credits than ever before. The easiest way to determine if you are eligible for a premium tax credit is to use this link: www.healthcare.gov/lower-costs/
Another question about the deductible on a Bronze PPO plan for me and my spouse… the policy states “If you have other family members on the plan, each family member must meet their own individual deductible until the total amount of deductible expense paid by all family members meets the overall family deductible.” How does this work if say, only one family member requires medical care within a coverage year? And say, this one family member meets the exceeds the total family deductible all by himself and yet none of the other family members required medical care?
Individual and family deductibles can be confusing! Once you've met your individual deductible, your insurance will begin to cover more of the expenses. If an individual (or individuals) have enough medical expenses to meet not only their individual deductible, but the family deductible as well, then the insurance will begin to cover more of the expenses for all of the people on the plan.
Why in the world do they write it this way? It would make absolutely no sense to purchase a family plan if every family member had to meet the individual deductible before the insurance company would pay. Thanks for clarifying!
@@MrBossTube It really is very confusing the way it's written. Luckily it works in your favor! If you need any further assistance, please feel free to call us at 888-410-0344. If not, have a great day!
There is no penalty for overestimating your income. You could also choose to receive the premium credits when you file taxes as opposed to upfront. Feel free to call or e-mail if you'd like and we can further explain. 888-410-0344.Thanks for your question!
Hi Travis. Yes, you should be reimbursed when you file your taxes unless you owe additional taxes for some reason. Because the lower premiums are just a result of a tax credit paid upfront, some people prefer to just receive the tax credit when they file. Thanks for your question!
In my state there is a 12500 minimum to qualify for Obamacare. My question is if I tell them I’m going to make 20000 but only make 10000 for that year and don’t reach minimum to qualify do I get penalized for not reaching minimum?
When you lose your insurance, you'll enter in a special enrollment period. At that time you can enroll in a marketplace plan (ACA). You can see what's available now to better prepare yourself! Also, feel free to call us with any questions regarding options: 888-310-0344. Happy retirement!
My parents are coming as immigrant I want to get an insurance for them, both senior citizen.How to start and how to know what insurance we can get for them? We are in Hawaii
Hi Juliet. Will they be over 65 and eligible for Medicare or are you looking at marketplace plans for them? Feel free to call us if you'd like at 888-410-0344 and we can discuss options. There is no charge for our services. Best of luck!
@@iHealthBrokers Hi maam. They are over 65. That would be nice if we can get medicarefor them, but if not we will be looking for affordable insurance for both. Thank you for replying.
@@julyethi5737 Their eligibility depends upon a few factors such as citizenship and employment history. Give us a call at 888-410-0344 if you'd like and we can walk you through their options. Have a great day!
You should be able to without issue as long as you are considered "lawfully present". You can also look into short term medical plans. Thanks for your question!
Hi. I have a question regarding social security income. I think you mentioned that you don’t include it, but it stated “supplemental security income.” Are these two different incomes? Thank you.
Good question! For marketplace plans, you need to include your social security but NOT your supplemental social security income (if applicable). These are two different things. Thanks for your question!
EDIT: When we made this video the open enrollment period hadn't been extended! Open enrollment for this year will actually go until JANUARY 15th!
I just Googled this and at least for Nevada it says the deadline is December 15th. Which is true?
@@7x779 Ordinarily the deadline is Dec. 15 (even some of the advertisements get it wrong!). This year it will be until Jan. 15 www.nevadahealthlink.com/start-here/how-to-enroll/open-enrollment/
Wow, this video was fantastic, thank you so much for this content. It made my anxiety considerably lower. I am moving with my family from Europe to the US soon and this was driving us crazy.
It's enough to make your head spin! Whether you choose us or another broker, we highly recommend working with a broker especially if you are unfamiliar with the (very complicated) US healthcare system. FYI, when you first move, you will be eligible for a special enrollment period, so make sure to plan for that. Safe travels!
Keep your socialism at Europe. Biden and his politicians want you to be dependent on the fat, bloated corrupt government services and unable to think and take care of yourself and your family. Do you think this woman in the video or Biden and his family will be using socialized healthcare? Try Canada, UK or China, they love peasants to kept down groveling for scrapts and waiting for months to get a bandaid.
Great info.Thank you. In one of your videos you touched on COBRA and transitions to ACA before 65. My question is if I take COBRA( that is offered for 18 months) at full price am I obligated to keep for the full 18 months before applying for ACA with subsidy or can I quit the Cobra prior to the 18 months and get on Cheaper ACA( with subsidy )when the open enrollment time comes next. All I remember reading on this subject was that I wouldnt be eligible for ACA insurance if ....(the Cobra being available to me was one of these disqualifiers) Thanks again.
Hi Harold. You can cancel COBRA at any time. Unfortunately cancelling COBRA won't make you eligible for a special enrollment period so you may have to wait until open enrollment (unless you experience an additional qualifying life event). BUT if you've recently lost your job and your health insurance you may still be able to take advantage of a special enrollment period. When did you lose coverage? Additionally, participating in COBRA should not affect your eligibility for an ACA subsidy. It is not considered an offer of employer-sponsored coverage.
Love your channel! I’ve learned so much!
Question: my spouse and I are repatriating back to the US July 2022. Are we entitled to enroll in a marketplace plan based on our change in life situation? If so, how is the annual premium handled? Will we pay a premium for the remaining 6 months of 2022? How does that work?
Thanks! So glad we could be of help! Moving will qualify you for a special enrollment period so you should be able to enroll upon your return. The premiums are actually paid monthly so you'll only be responsible for the payment once you've enrolled. You can view the plans (that will still be available as of July 2022) now on Healthcare.gov or whenever you want to start researching. And of course, feel free to call us at 888-410-0344 if you have any questions. Safe travels!
OMG im 21 and am learning how to be a person! THIS HELPED!!
So glad we could help, William. It can definitely be a little overwhelming. Thanks for your comment!
I will be applying over the next couple of weeks. I should be divorced by the end of December but I’m unsure of how long it will be drawn out…what should I put for my marital status? I will def before divorced by the beginning of the year.
Well, once your divorce is final you'll actually become eligible for a special enrollment period. You can update or even change your insurance at that time!
Hello, I have a question about "deductible":
so if I have a $5000 deductible, Do I have to meet my entire deductible and then insurance kicks or the insurance covers some costs before I meet my deductible??? this is confusing for me!
Thanks and great info :)
It's confusing for a lot of people! Some services will be covered even before you meet your deductible, for example many of your basic doctor's visits. BUT, you may have to meet your deductible if you have something more costly or involved like a hospital stay. For example, for marketplace plans, all of the office visits for a pregnancy are covered (with no copay) even before the deductible is met, but there will be a charge for the labor and delivery in a hospital. If you'd like, feel free to give us a call and we can go through your plan with you to explain in further detail: 888-410-0344. There is no charge for our services.
Excellent info. Thanks 🙏
Thanks Paul! Glad we could help!
Is this video for the Open Enrollment. November December of 2021? Or for a year later from now in November of 2022?
This video is about open enrollment for 2022 marketplace plans. This year open enrollment has been extended. In most states, it will go from Nov. 1 2021 to Jan. 15 2022.
u guys do a great job .....
Thanks Harold!
May be a stupid question but I work in the travel healthcare industry. Most of my income comes from tax free stipends out of my paycheck. When the marketplace asks me for my monthly income, do i add in the complete total w/ stipends or just the taxed amount thats reported. Lets say im taxed at 14 an hour but my stipends/per diem totals 1500$ weekly. Do I just report the 14/hour? Looks like im given a nice tax credit because the market place thinks im just making 14$
It's not a stupid question at all! Actually, we've been going back and forth about this one...It's a very gray area. Unfortunately, I would say it's best to confirm with an accountant. You don't want to end up having to pay the tax credit back!
Hello, my name is Roman and I have a question. I'll try to make myself understand the best I can. I live in Texas and I'm 29 years old. I'm single, don't have any kids and I live with my parents and I'm trying to enroll in a health plan through Obama care. I'm currently not working and I don't know what my income it's going to be for 2022. If for example, my yearly income will be of about 3000 dollars, am I going to be able to enroll in a health plan through Obama care? I am asking this because I heard that if your income was under 12,500 you don't qualify. What could be my options in this case? Thank you.
Hi Roman, you still qualify. There shouldn't be any issues!
Hi, I am turning 26 may 14 do I need to do open enrollment if I am under my parents market plan? Or do I have till this year after the coverage period to get mine own
Hi Tenisha. There are some rare occasions when coverage will end when you turn 26, but usually you have until the end of the year. Check with your plan to determine the specifics. You can also check out this video for options: ruclips.net/video/PD5mUqwX3jY/видео.html Feel free to call with any questions: 888-410-0344. Best of luck!
My dad missed open enrollment and is currently uninsured. Tried to apply for Medicaid here in Nevada, but due to how his sole proprietorship income is calculated, he does not qualify. Is there any way he can get a marketplace plan now? I've heard that if you simply apply to Medicaid and receive a denial letter, that alone will enable someone to shop on the marketplace. I need to get him health insurance ASAP and the temporary plans that aren't ACA compliant will not work.
Hi Sean, your father may be eligible for a special enrollment period which would allow him to enroll in a marketplace plan. Please give us a call at 888-410-0344. There's no charge for our services and we can help with the special enrollment period before he misses his window. Best of luck and thank you for your question!
You didn’t talk about max income. It seems it has changed for 2022. Do you know the max income?
Hi Bob, thanks for your question! There isn't actually an income limit for marketplace plans. However, you'll only be eligible for premium tax credits (which significantly lower your monthly premiums) if your income falls within a certain range based on your household size. Under the ARPA, many more people are eligible for premium tax credits than ever before. The easiest way to determine if you are eligible for a premium tax credit is to use this link: www.healthcare.gov/lower-costs/
Another question about the deductible on a Bronze PPO plan for me and my spouse… the policy states “If you have other family members on the plan, each family member must meet their own individual deductible until the total amount of deductible expense paid by all family members meets the overall family deductible.” How does this work if say, only one family member requires medical care within a coverage year? And say, this one family member meets the exceeds the total family deductible all by himself and yet none of the other family members required medical care?
Individual and family deductibles can be confusing! Once you've met your individual deductible, your insurance will begin to cover more of the expenses. If an individual (or individuals) have enough medical expenses to meet not only their individual deductible, but the family deductible as well, then the insurance will begin to cover more of the expenses for all of the people on the plan.
Why in the world do they write it this way? It would make absolutely no sense to purchase a family plan if every family member had to meet the individual deductible before the insurance company would pay. Thanks for clarifying!
@@MrBossTube It really is very confusing the way it's written. Luckily it works in your favor! If you need any further assistance, please feel free to call us at 888-410-0344. If not, have a great day!
What if you live off of your savings and do not work? How do you qualify for ACA credits if you do not have “qualified income”?
There is no penalty for overestimating your income. You could also choose to receive the premium credits when you file taxes as opposed to upfront. Feel free to call or e-mail if you'd like and we can further explain. 888-410-0344.Thanks for your question!
What if your MAGI is estimated too high, do you get reimbursed for the overpayment on your taxes?
Hi Travis. Yes, you should be reimbursed when you file your taxes unless you owe additional taxes for some reason. Because the lower premiums are just a result of a tax credit paid upfront, some people prefer to just receive the tax credit when they file. Thanks for your question!
In my state there is a 12500 minimum to qualify for Obamacare. My question is if I tell them I’m going to make 20000 but only make 10000 for that year and don’t reach minimum to qualify do I get penalized for not reaching minimum?
There's no penalty. So, no worries!
i just retired on december 31,2021. i still have my union insurance until may 31,2022.
when should i apply for the ACA?
When you lose your insurance, you'll enter in a special enrollment period. At that time you can enroll in a marketplace plan (ACA). You can see what's available now to better prepare yourself! Also, feel free to call us with any questions regarding options: 888-310-0344. Happy retirement!
My parents are coming as immigrant I want to get an insurance for them, both senior citizen.How to start and how to know what insurance we can get for them? We are in Hawaii
Hi Juliet. Will they be over 65 and eligible for Medicare or are you looking at marketplace plans for them? Feel free to call us if you'd like at 888-410-0344 and we can discuss options. There is no charge for our services. Best of luck!
@@iHealthBrokers Hi maam. They are over 65. That would be nice if we can get medicarefor them, but if not we will be looking for affordable insurance for both. Thank you for replying.
@@julyethi5737 Their eligibility depends upon a few factors such as citizenship and employment history. Give us a call at 888-410-0344 if you'd like and we can walk you through their options. Have a great day!
Can I get health insurance with my ITIN number ? TIA😊👍🏻😊
You should be able to without issue as long as you are considered "lawfully present". You can also look into short term medical plans. Thanks for your question!
Hi. I have a question regarding social security income. I think you mentioned that you don’t include it, but it stated “supplemental security income.” Are these two different incomes? Thank you.
Good question! For marketplace plans, you need to include your social security but NOT your supplemental social security income (if applicable). These are two different things. Thanks for your question!
No
Why no?