The Value of Health Insurance | HealthTN.com

The Value of Having Health Insurance

HealthTN Affordable Care Act/Obamacare Leave a Comment

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. …

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

How Can I Save Money on a Silver ACA Plan?

HealthTN Affordable Care Act/Obamacare Leave a Comment

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 HealthTN.com, we’ve …

What?! There’s a Tax Penalty!? | HealthTN.com

What?! There’s a Tax Penalty!?

HealthTN Affordable Care Act/Obamacare 1 Comment

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 HealthCare.gov Marketplace | HealthTN.com

What to Look for as You Enter the HealthCare.gov Marketplace

HealthTN Affordable Care Act/Obamacare Leave a Comment

Here we are again, another open enrollment and HealthTN.com is here with a quick “how-to” for all of you first-timers shopping for health insurance in the HealthCare.gov Marketplace. Consumers browsing HealthCare.gov 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? | HealthTN.com

Just What the Heck are Essential Health Benefits?

HealthTN Affordable Care Act/Obamacare Leave a Comment

Well, funny you should ask! Healthcare.gov 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? | HealthTN.com

What are the Metal Plans?

HealthTN Affordable Care Act/Obamacare Leave a Comment

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 | HealthTN.com

On-Exchange Plans vs Off-Exchange Plans

HealthTN Affordable Care Act/Obamacare Leave a Comment

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 …