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Massachusetts ObamaCare Plan
October 02, 2013

By Ray Wilson+

Massachusetts near universal health program was the model for the national Affordable Care Act plan, known by many as ObamaCare. The Obama Administration decided to follow former Republican Governor Mitt Romney’s health program because Massachusetts has the lowest uninsured rate in the country.

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Difference Between the Old Mass Plan and New ACA Plan

The main difference between the new plan and the old Massachusetts plan is the new ACA metal plans known as Affordable Care Act plans: Bronze, Silver, Gold, and Platinum include subsidies from 100% to 400% of the federal poverty line whereas the previous plans (also called metal plans) only included subsidies up to 300% of the poverty line.

What Subsidies are Available for MA Residents

There are two types of subsidies of available:

Other Options for MA Residents Besides Exchange

Many people don’t realize that there are off-Exchange plans available. These plans may offer less expensive premiums and allow for more benefits and options.

Agents as well as state navigators are able to help Americans purchase Exchange plans, but only agents can compare Exchange and off-Exchange plans. To learn more call 800-930-7956 or contact Medicoverage.


How the Affordable Care Act Helps the Uninsured
May 31, 2013

By Amy De Vore+

The Affordable Care Act helps the uninsured in a few ways. For instance, in the LA Times today there was an article about a woman making $12.68 an hour, mother of one child, lives in Los Angeles, and recently choose to forego surgery because she was uninsured. As of January 1st this woman would have options for health coverage.

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How the Affordable Care Act Helps Uninsured

She isn’t qualified for Medicaid, however since she works she may qualify for job-based insurance as 2015. Until then and if her employer doesn’t offer insurance she would qualify for premium subsidies and cost-sharing subsidies, and her daughter would qualify for Medi-Cal.

Costs for Lower-Income Families

The article doesn’t state how old she is, but if she is 30, her Silver plan premium could be as low as $93 a month and her deductible would be reduced from $2000 to $500, and a reduced maximum out of pocket from $6,350 to $2,250. This would apply to any single parent to one child living in the Los Angeles area, making her salary.

How do Lower-Income Families and Individuals Get Insurance?

First, it’s important to remember for anyone purchasing a plan from the Health Insurance Marketplace you need your W2 paperwork and financial information handy like child support, alimony, assets. Then you can either go directly through your state’s newly established call center’s navigators or you can go through your insurance agent. Many don’t realize that agents can help with on and off-Exchange plans.

Lower Income Seniors

Seniors do not have to do anything as of January 1st. Seniors stay on Medicare and do not apply for the new metal plans. Make sure your friends and parents are aware that there is nothing for them to do, because states are vocally expressing their concerns about seniors being tricked by scammers into giving away personal information due to the lack of awareness in regards to the ACA.

To learn if you qualify for a subsidy call 800-930-7956 or contact Medicoverage.





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