Individual Health Insurance – What Part-Time Workers in Wisconsin Need to Know

    Posted by Unity Health Insurance on June 6, 2016


    According to a recent Princeton / Harvard study, alternative work arrangements have been on the rise since 2005. “Alternative” includes temporary help agency workers, on-call workers, contract workers and independent contractors or freelancers. Almost all of the net employment growth in the U.S. economy from 2005 to 2015 seems to be from alternative work arrangements.

    The study proposes that the Affordable Care Act (ACA) could have contributed to the growth of alternative work arrangements.

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    Topics: Health Insurance Basics, Health Insurance Costs, Affordable Care Act (ACA)

    How Do You Go About Buying Health Insurance After Open Enrollment?

    Posted by Unity Health Insurance on April 29, 2016


    About 33-million non-elderly people didn’t have health insurance last year. About half of these people could have gotten financial assistance to pay for it.1 Instead, most are liable to pay a fine for not having insurance!


    Unfortunately, you can’t just go out and buy health insurance when you want it.  The Affordable Care Act (ACA) created “Open Enrollment” periods when everyone can sign up for health insurance. To get health insurance in 2016, you would have had to buy it between November 1, 2015 and January 31, 2016.

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    Topics: Special Enrollment Periods, Qualifying Events, Affordable Care Act (ACA)

    What is Considered to be Affordable Health Insurance (Wisconsin)?

    Posted by Unity Health Insurance on April 25, 2016


    We’ve all been hearing about how the Affordable Care Act (ACA) has made health insurance affordable. But what exactly is considered to be affordable?


    One way to view affordability is to compare Wisconsin health insurance premium costs from this year to last year.  An analysis1 by the Kaiser Family Foundation looks at premium costs for a silver level plan in Milwaukee. Silver level plans are in the middle of a five-tier system that runs from the lowest premium cost (Catastrophic) through Bronze, Silver, Gold and Platinum (highest premium cost).

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    Topics: Health Insurance Costs, Affordable Care Act (ACA)

    You've Been Denied BadgerCare Plus - What's Next?

    Posted by Unity Health Insurance on April 20, 2016


    By law, everyone needs to have health insurance or pay a fine (unless you qualify for a hardship exemption). But what do you do if you were denied BadgerCare Plus and you can’t afford health insurance? You still need a new health plan.

     

    First, it’s important to know that you can’t buy health insurance any time – you’ll need to wait for Open Enrollment, which is November 1, 2016 – January 31, 2017 this year. You can also buy insurance at other times if you’re eligible for a Special Enrollment Period.

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    Topics: How to Choose a Health Plan, Affordable Care Act (ACA)

    Top Tips About Health Insurance for Newlyweds

    Posted by Unity Health Insurance on March 23, 2016


    Just married? Congratulations! The countdown to getting health insurance after marriage has begun. Depending on your situation, you may either have 30 or 60 days to get health insurance.

     

    Here are a few tips that may help you make the choice that’s right for you, based on your situation.

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    Topics: Special Enrollment Periods, Qualifying Events, Individuals and Families, Affordable Care Act (ACA)

    Top Five Ways the ACA Changed the Cost of Individual Health Insurance

    Posted by Unity Health Insurance on March 8, 2016


    The Affordable Care Act (ACA) has helped millions of Americans get individual health insurance at a cost they can afford. 

    In Wisconsin, the ACA has affected people in different ways.

    1. Some people are no longer eligible for BadgerCare Plus. After the ACA was implemented, Wisconsin reduced BadgerCare eligibility levels for parents and childless adults.

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    Topics: Health Insurance Costs, Affordable Care Act (ACA)

    New Health Insurance Changes Coming in 2016 in Wisconsin

    Posted by Unity Health Insurance on February 29, 2016


    The Affordable Care Act (ACA) has been law since 2010, but each year has brought new health insurance changes. First, the implementation was meant to take place during a number of years. Second, some revisions have been added. Some of the changes apply to employers, while others apply to people who purchased individual or family plans on the Health Insurance Marketplace or directly from health insurance companies.

     

    I have to buy new health insurance – what new facts do I need to know?

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    Topics: Health Insurance Basics, Affordable Care Act (ACA)