Latest News:

“Stay away from Healthcare.gov for at least another month if you can” Consumer Reports Oct 22

"Obamacare's Website Is Crashing Because It Doesn't Want You To Know How Costly Its Plans Are"
Forbes Oct. 14

"Obamacare will actually lead to many families paying more for their healthcare than they were before the law went into effect." Forbes, Sept 30, 2013

HealthCareGov is a U.S. Government website launched Oct 1, 2013. The Health Insurance Marketplace is a novel way to seek out health insurance coverage that will fit your budget and meet your needs as well. You only have to fill out one application and you can then see all your options and enroll into a health insurance plan.

Basically, it is simply a place for private insurers to apply for, and if they qualify - meeting stringent rules - they will be able to list their policies on healthcare.gov.

Oct. 1 - using the Healthcare Gov/Health Insurance Marketplace you will fill out an application and then be able to see all of the health-plans available in your area by zip code.

Can you get lower costs on your monthly premiums for private insurance plans? Maybe. Time will tell. We think that the private insurance companies will want to remain competitive. Health insurance plans are very lucurative for insurers.

NOTE: If you are already on Medicare (65 years or older), there is no need to apply on the Health Insurance Marketplace. You are already covered.

HOWEVER, you may wish to get Medicare Supplemental Insurance, which helps pay for expenses Medicare won't cover. Such as Medicare Advantage.

"We want to reassure Medicare beneficiaries that they are already covered, their benefits are not changing and the marketplace doesn't require them to do anything," said Michele Patrick, Medicare's deputy director for communications.

Better health insurance choices: The Marketplace is a new way to find health coverage that fits your budget and meets your needs. With one application, you can see all your options and enroll.

Here are some reasons to apply and get covered: 

• You'll get the health care you need, when you need it. 
• You'll get free preventive care such as vaccines, screenings, and check-ups. 
• You'll get coverage for prescription pharmaceuticals, emergency care, doctors' visits, and many other health care services.
• You'll get coverage for pre-existing health conditions that might have kept you from getting coverage in the past. 

Most folks using healthcare gov will qualify to save some money. To find out how much you are eligible for when you apply, it will help to have these things close by:

• Social Security numbers - or alien numbers for legal immigrants

• Birth dates of all family members

• Pay stubs, W-2 forms, or Wage and Tax Statements

• Policy numbers for any current health insurance plans

• Information about any health insurance you or your family could get from your jobs

Here is a summary of what's going on with Obamacare's HealthCare gov:

The Health Insurance Exchanges (by state) mandated by the new HealthCare Reform Act will create an online marketplace where individuals and businesses both can buy healthinsurance coverage. Each states's exchange will act as a clearing-house for health insurance plans that are offered. The exchange is created to:

• Introduce retail competition to the consumer, encouraging competitive pricing and quality of coverage.
• Make health benefits coverage affordable through rate controls and subsidies
• It will be easier for individuals and small businesses to comparison shop for insurance coverage
• Youwill have choices in standardized benefit plans - and levels of coverage
• Insurers are required to clearly communicate plan descriptions and rates

You can apply for Insurance Marketplace coverage three ways. Online, by mail, or in person with the help of a Navigator or other qualified helper. Telephone help and online chat will be available 24/7 to help you complete your application.

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Health Insurance plans will be offered by private companies, and they cover the same core set of benefits called essential health benefits. No plan can turn you away or charge you more because you have an illness or medical condition. They must cover treatments for these conditions. For example, plans cannot charge women more than men for the same plan.

If you have a pre-existing condition, you cannot be refused under this plan. Insurers also cannot charge you more just because you are, or have been sick. Once you get insruance coverage, companies can't not treat you for any conditions you may have had prior to your application and approval. Amazingly enough, this holds true even if you have been refused coverage and/or treatments in the past.

Dental Insurance is also available as part of a general insurance paln, or more likely - a separate dental insurance plan. You need to know that the health care law states that dental insurance is treated differently if you are an adult or a child under 18. For individuals under 18 dental insurance is considered essential health services and are covered by most plans. This is not the case for adults. It is difficult to get a dental plan for adults since insurance companies are not obliged to provide dental insurance to adults like they are for kids.

If you are unemployed you may also qualify for a lower cost on Marketplace insurance. This is depends on your household income. The fact that you are unemployd really doesn't matter much. It's all based on income. Pending on the income, you might qualify for several programs such ad Medicaid, CHildren's Health Insurance Program (CHIP) and/or lower cost Marketplace insurance.

Lower cost premiums also depends on your income. It is possible to qualify for a lesser premium if your household income is below a certain level.

The Affordable Care Act allows all US Residents to get comprehensive healthinsurance, and offers new rights and protections. Some of the law have already taken effect, while other sections will be implemented in future years.

Can you keep your own physician?

That depends on the type of plan you choose. Many, if not most of the plans offered have their own network of doctors, specialists, pharmacies and various health care providers. It's sort of a clique. They look after themselves first. If you really want to stay with your own doctor, and you want to wither get, or change the health care plan you have - check to see if your doctor is included in the plan's network.

Subsidies for Individuals. Do you worry that you can't afford health insurance? On your state's marketplace, as an individual - you may actually qualify for a subsidy. But only if your household income is between 100% and 400% of the U.S. federal poverty level. This subsidy money will be a new sort of a tax credit that you can use immediately to lower the costs of the insurance premiums.

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