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Five Things You Need to Know

If you haven't taken the time to learn all about the upcoming healthcare changes, there is no better time than right now. The enrollment date of October 1 is coming up faster than you think and everyone should be prepared before the new act takes effect on January 1, 2014.

When first looking at all the details surrounding the Affordable Care Act, it can be hard to figure out what is important for you and your family. Although some information is specific by case, in particular, there are 5 things everyone must know about the Affordable Care Act.

1. You must have insurance by January 1, 2014. - Enrollment begins on October 1, 2013 which gives everyone plenty of time to find the right insurance. This is good because you may face a penalty if you have not enrolled in an insurance plan by January.

2. Everyone can get insurance. - No matter your age, race, gender, or health status, you will be able to enroll in some type of insurance program. When you apply, you will see all the options available and be able to pick the right one for you.

3. You can receive help paying for insurance. - By using the online calculator tool on our website, you can find out if you are eligible for discounted premiums or a government subsidy based on your income.

4. You cannot be turned down. - Right now, it is difficult to find insurance if you already have health issues. Starting in 2014, you cannot be turned down for insurance if you have a pre-existing health condition.

5. You can keep children on your insurance plan through age 26. Until the new act takes effect, most insurance plans cover only adult children who are full-time students, lived with their parents, were disabled, or considered a dependent for tax purposes. 

If you still have questions about all these changes, call the Affordable Care Experts or visit


Large Employers Gain a Year to Implement ACA Without Penalty

A US Treasury blog post made this week provides significant news on the ACA. Read details below.

Continuing to Implement the ACA in a Careful, Thoughtful Manner
By: Mark J. Mazur7/2/2013 

Over the past several months, the Administration has been engaging in a dialogue with businesses - many of which already provide health coverage for their workers - about the new employer and insurer reporting requirements under the Affordable Care Act (ACA). We have heard concerns about the complexity of the requirements and the need for more time to implement them effectively.  We recognize that the vast majority of businesses that will need to do this reporting already provide health insurance to their workers, and we want to make sure it is easy for others to do so.  We have listened to your feedback.  And we are taking action.  

The Administration is announcing that it will provide an additional year before the ACA mandatory employer and insurer reporting requirements begin.  This is designed to meet two goals.  First, it will allow us to consider ways to simplify the new reporting requirements consistent with the law.  Second, it will provide time to adapt health coverage and reporting systems while employers are moving toward making health coverage affordable and accessible for their employees.  Within the next week, we will publish formal guidance describing this transition.  Just like the Administration’s effort to turn the initial 21-page application for health insurance into a three-page application, we are working hard to adapt and to be flexible about reporting requirements as we implement the law. 

Read the rest of this update here.


The Latest Info on Health Care Reform

This information blog will contain everything you need to know about health care reform. The upcoming changes that come with the Affordable Care Act can seem overwhelming, but we are here to help! We will be updating this blog anytime we come across any news articles, updates, reforms, etc that is relevant to you and the Affordable Healthcare Act. Be sure to check in on this page often for the latest news!