The Value of Health Insurance |

The Value of Having Health Insurance

HealthTN Affordable Care Act/Obamacare

This is the time of year that we field tons of calls about how much insurance really costs. Bottom line.  No matter what your income looks like, there are always costs for you to have health insurance, and whether we are looking at the “old” standard before Obamacare or the “new” one with the Affordable Care Act, somebody isn’t happy. …

What to know about 2015 taxes and your health insurance |

What to know about 2015 taxes and your health insurance

HealthTN Affordable Care Act/Obamacare

As you begin to gather the information you need to file your 2015 taxes, it’s important to remember that information about your health coverage is now a part of the tax filing process. Here’s what you need to know if you have Marketplace coverage: If you enrolled in Marketplace health coverage in 2015, you’ll soon get an important tax document …

How Can I Save Money on a Silver ACA Plan? |

How Can I Save Money on a Silver ACA Plan?

HealthTN Affordable Care Act/Obamacare

It doesn’t take long for many folks researching the Affordable Care Act to decide that the “Silver Plan” is the most financially viable solution for them when it comes to Obamacare.  But as they drill down into the plan, many hope that they can attain additional savings, and that answer is “Yes!” but requires a little work.  At, we’ve …

What?! There’s a Tax Penalty!? |

What?! There’s a Tax Penalty!?

HealthTN Affordable Care Act/Obamacare

The clock is ticking for millions of uninsured Americans who are grappling with a critical decision: Should they comply with the federal mandate to purchase health insurance or pay the penalty instead? The Affordable Care Act requires most people who can afford health insurance to buy coverage – a provision known as the individual mandate – or pay a penalty …

What to Look for as You Enter the Marketplace |

What to Look for as You Enter the Marketplace

HealthTN Affordable Care Act/Obamacare

Here we are again, another open enrollment and is here with a quick “how-to” for all of you first-timers shopping for health insurance in the Marketplace. Consumers browsing for health insurance in this year’s open-enrollment period will immediately notice a couple of items: a quicker window-shopping experience and many more high-deductible health plan options. Prospective insurance shoppers …

Just What the Heck are Essential Health Benefits? |

Just What the Heck are Essential Health Benefits?

HealthTN Affordable Care Act/Obamacare

Well, funny you should ask! defines “Essential Health Benefits” as: “The Affordable Care Act ensures health plans offered in the individual and small group markets, both inside and outside of the Health Insurance Marketplace, offer a comprehensive package of items and services, known as essential health benefits. Essential health benefits must include items and services within at least the …

What Are The Metal Plans? |

What are the Metal Plans?

HealthTN Affordable Care Act/Obamacare

When Obamacare became THE law, that was the point that consumers could begin shopping for health insurance on the state-based and federally facilitated health insurance exchanges. The plans sold in what has been called the Health Insurance Marketplace (or Exchange) are classified into four tiers by actuarial value – the percentage of total expected medical costs paid by the plan. …

On-Exchange Plans vs Off-Exchange Plans |

On-Exchange Plans vs Off-Exchange Plans

HealthTN Affordable Care Act/Obamacare

Now that Obamacare open enrollment is here, we are seeing lots of questions as to whether someone should apply for a plan ON THE EXCHANGE (marketplace) as opposed to one that is OFF THE EXCHANGE (marketplace). So here’s the difference: whether you buy a plan On-Exchange or Off-Exchange, what you’re buying is still a health insurance policy. On-Exchange simply refers …