Have peace of mind. Learn about your health insurance options today.

Insurance News

Stay informed about Arizona health insurance trends, news and changes in laws and coverage.

Tuesday, 11 April 2017

ACA vs. Repeal/Replace

For better or worse; for richer or poorer; in sickness and in Wealth?

What are the consequences to employment in the health sector if President Trump follows through on his campaign promise to repeal the Affordable Care Act? That may not be as big a concern as we once thought… Instead of abolishing it, his language has changed from "repealed" to "amended" to "repair & replace" so now, though no one knows exactly what's going to happen, it appears that millions won't be left without coverage.  

Maybe his solution will be worse than former President Obama's plan; maybe it will have the same net-effect; hopefully it will be even more comprehensive and better. We're going to have to wait and see.

The Open Enrollment period for 2017 health insurance ends January 31, 2017. You only have a short time to get enrolled for this year's health insurance unless you have a qualifying event. Below are helful links and information to help you choose the right Arizona group health insurance or medicare before Open Enrollment closes.

Visitors who come to Arizona often imagine it as one of the healthiest states in the union. After all, isn't this the place where people come to soak in hot springs and take a sun-soaked "spa vacation"?

It would be difficult to convince people from cold and damp locales that Arizonans face higher risks for certain diseases.

While on the surface it seems like everyone here is tan and in terrific shape, that isn't always the case; particularly in a state where 13 percent of adults do not have health insurance in Arizona.

medicare supplmenetal insurance arizonaWhen you start searching for a private health insurance plan, it can be difficult to evaluate the various plan offerings. Unlike many other types of insurance, health coverage is available in a number of different formats. In recent years, people have started moving toward Health Savings Accounts (HSAs) and away from more restrictive HMOs.

Terms like “maximum out of pocket cost” and “tax-deferred HSA” have become a part of the health insurance lexicon. In other words, as healthcare costs have gone up, insurers and consumers have been using the tax law and preventive care coverage as a way to reduce monthly premiums. But how do you know which plan is best for your specific situation?

colorado-health-insuranceIf you’re one of the lucky Obamacare “survivors,” you might not be aware of all the changes that this new law has imposed on others. People who have managed to maintain their original health plan since the enactment the Affordable Care Act became law might consider themselves lucky, or perhaps they haven’t noticed the subtle differences quite yet.

insurance-costsSay what you will about Obamacare and its impact on health insurance premiums across the country, but one thing is certain; the law has encouraged a dialogue about healthcare that has allowed consumers to have a voice.  High health insurance rates in Colorado have primarily resulted from the state’s geographic rating system, which translated into much higher premiums for some mountain and rural residents.  

medical supplement plansAccording to a recent article on NPR.org, "The 7.5 Million Insured Through Obamacare Are Only Part Of The Story," the answer to this question can be quite complicated. The fact that something about the Affordable Care Act is complex comes as no surprise to the many thousands of people who had trouble signing up on the ill-fated web site, Healthcare.gov. But this time the complications are not coming from the administration; rather, the confusion lies in "how" the number of insured Americans is calculated and reported by the media.

arizona health rankingsIt's been nearly three years since this blog has addressed the subject of Arizona's Health Rankings® , but it looks like a lot of good has happened since then. In 2011, America's Health Rankings scored Arizona as number 31 out of 50, but in 2013 this score rose to #28. This is great news for Arizona lawmakers, who are known for being very vocal about health care reform.

health savings accountIn this season of open enrollment, you may have noticed that employers are starting to push the "High Deductible Health Plan with Health Savings Account" a little more vigorously.

Some companies are even offering a donation to the employee's Health Savings Account (HSA) as an incentive to sign up. If your company has jumped on this bandwagon, take heart. It's really not so bad to be offered this type of plan, but only if you take complete advantage of the tax savings of an HSA.

hsa investmentAs healthcare costs rise, many insurance providers have started offering flexible plans to meet every budget. Instead of limiting members to a choice between PPO, HMO and Short-Term health coverage, they started offering high-deductible health plans (HDHPs.) While these plans certainly addressed the hefty monthly premiums, they made it difficult for members to reap the benefits without paying thousands of dollars out-of-pocket. Enter the "Health Savings Account," otherwise known as the HSA.

Page 1 of 3

Patient Protection and Affordable Care Act Certified

 

NAHU_Logo

What our Clients Say

Thanks so much for getting my health plan done for me.  It was a real surprise after being turned down twice, to finally get approved.  And what a relief!  Thanks again! - D. D. (Tucson)
arizona health insurance broker