{"id":2942,"date":"2020-07-28T08:05:46","date_gmt":"2020-07-28T08:05:46","guid":{"rendered":"http:\/\/www.premiersitedemo.com\/eiko2\/?page_id=2942"},"modified":"2020-08-17T19:53:35","modified_gmt":"2020-08-17T19:53:35","slug":"health-insurance","status":"publish","type":"page","link":"https:\/\/www.premiersitedemo.com\/eiko2\/health-insurance\/","title":{"rendered":"Health Insurance"},"content":{"rendered":"\t\t<div data-elementor-type=\"wp-page\" data-elementor-id=\"2942\" class=\"elementor elementor-2942\">\n\t\t\t\t\t\t<div class=\"elementor-inner\">\n\t\t\t\t<div class=\"elementor-section-wrap\">\n\t\t\t\t\t\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-44014a91 elementor-section-stretched elementor-section-full_width elementor-section-height-default elementor-section-height-default\" data-id=\"44014a91\" data-element_type=\"section\" data-settings=\"{&quot;stretch_section&quot;:&quot;section-stretched&quot;,&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t\t\t\t<div class=\"elementor-background-overlay\"><\/div>\n\t\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-no\">\n\t\t\t\t\t\t\t<div class=\"elementor-row\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-18db432e\" data-id=\"18db432e\" data-element_type=\"column\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t<div class=\"elementor-column-wrap elementor-element-populated\">\n\t\t\t\t\t\t\t<div class=\"elementor-widget-wrap\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-5d446b7 elementor--h-position-center elementor--v-position-middle elementor-arrows-position-inside elementor-widget elementor-widget-global elementor-global-2990 elementor-widget-slides\" data-id=\"5d446b7\" data-element_type=\"widget\" data-settings=\"{&quot;navigation&quot;:&quot;arrows&quot;,&quot;transition_speed&quot;:1200,&quot;autoplay&quot;:&quot;yes&quot;,&quot;pause_on_hover&quot;:&quot;yes&quot;,&quot;pause_on_interaction&quot;:&quot;yes&quot;,&quot;autoplay_speed&quot;:5000,&quot;infinite&quot;:&quot;yes&quot;,&quot;transition&quot;:&quot;slide&quot;}\" data-widget_type=\"slides.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<div class=\"elementor-swiper\">\n\t\t\t<div class=\"elementor-slides-wrapper elementor-main-swiper swiper-container\" dir=\"ltr\" data-animation=\"fadeInUp\">\n\t\t\t\t<div class=\"swiper-wrapper elementor-slides\">\n\t\t\t\t\t\t\t\t\t\t<div class=\"elementor-repeater-item-dccdf21 swiper-slide\"><div class=\"swiper-slide-bg elementor-ken-burns elementor-ken-burns--in\"><\/div><div class=\"elementor-background-overlay\"><\/div><a class=\"swiper-slide-inner\" href=\"http:\/\/www.premiersitedemo.com\/eiko2\/#contact\"><div class=\"swiper-slide-contents\"><div class=\"elementor-slide-heading\">Medicare<\/div><div class=\"elementor-slide-description\">Are you on the right Medicare Plan? <\/div><div  class=\"elementor-button elementor-slide-button elementor-size-md\">ASK BERNIE!<\/div><\/div><\/a><\/div><div class=\"elementor-repeater-item-6334db4 swiper-slide\"><div class=\"swiper-slide-bg\"><\/div><div class=\"elementor-background-overlay\"><\/div><div class=\"swiper-slide-inner\" ><div class=\"swiper-slide-contents\"><div class=\"elementor-slide-description\">Have you reviewed <span style=\"color:#6EC1E4\";\">Health Insurance<\/span> options?<\/div><a href=\"http:\/\/www.premiersitedemo.com\/eiko2\/#contact\" class=\"elementor-button elementor-slide-button elementor-size-md\">Request A Consultation<\/a><\/div><\/div><\/div><div class=\"elementor-repeater-item-f2d3f4d swiper-slide\"><div class=\"swiper-slide-bg\"><\/div><div class=\"elementor-background-overlay\"><\/div><div class=\"swiper-slide-inner\" ><div class=\"swiper-slide-contents\"><div class=\"elementor-slide-heading\">Life Insurance Consultant<\/div><div class=\"elementor-slide-description\">Bernie Esberner is a <span style=\"color:#6EC1E4\";\">Life Insurance Consultant<\/span> in your local community<\/div><a href=\"http:\/\/www.premiersitedemo.com\/eiko2\/#contact\" class=\"elementor-button elementor-slide-button elementor-size-md\">Learn More <\/a><\/div><\/div><\/div>\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<div class=\"elementor-swiper-button elementor-swiper-button-prev\">\n\t\t\t\t\t\t\t<i aria-hidden=\"true\" class=\"eicon-chevron-left\"><\/i>\t\t\t\t\t\t\t<span class=\"elementor-screen-only\">Previous<\/span>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t<div class=\"elementor-swiper-button elementor-swiper-button-next\">\n\t\t\t\t\t\t\t<i aria-hidden=\"true\" class=\"eicon-chevron-right\"><\/i>\t\t\t\t\t\t\t<span class=\"elementor-screen-only\">Next<\/span>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-dc9ee8e elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"dc9ee8e\" data-element_type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t\t\t<div class=\"elementor-row\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-6ed77c2\" data-id=\"6ed77c2\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-column-wrap elementor-element-populated\">\n\t\t\t\t\t\t\t<div class=\"elementor-widget-wrap\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-4104057 elementor-widget elementor-widget-heading\" data-id=\"4104057\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">HEALTH INSURANCE<\/h2>\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-88458b8 elementor-widget elementor-widget-text-editor\" data-id=\"88458b8\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t<div class=\"elementor-text-editor elementor-clearfix\">\n\t\t\t\t<p class=\"has-text-align-center\">QUOTE &amp; ENROLL ACA\u00a0<a href=\"https:\/\/www.healthsherpa.com\/?_agent_id=bernard-esberner\" target=\"_blank\" rel=\"noreferrer noopener\" aria-label=\" (opens in a new tab)\">https:\/\/www.healthsherpa.com\/?_agent_id=bernard-esberner<\/a><\/p><h3>Individual and Family Health Insurance<\/h3><p>Beginning in 2014, all new individual and family health insurance plans must meet the Affordable Care Act (ACA) standards, known as Obamacare. \u00a0Insurance is still purchased through the same private insurance companies that you\u2019re used to, but now all plans must meet essential benefit guidelines set forth by the ACA. \u00a0Plans are no longer allowed to underwrite for health conditions, which means you cannot be denied or charged a higher premium based on pre-existing conditions.<\/p><p>The new platform has simplified the application process in some ways, but made it much more complicated in others. \u00a0The ACA has tied the cost of your health insurance to your household income. \u00a0If you qualify for a subsidy, then you must request a tax credit and apply it to your monthly premium \u2013 something we help you to do. \u00a0Over 70% of Arizonans qualify for a subsidy! \u00a0The main qualifier is that your income be under 400% of the Federal Poverty Level (the chart is available below). \u00a0As you may expect, there are many additional rules that come into play, so best to call us to discuss your particular situation.<\/p><p>The Open Enrollment Period runs from November 1<sup>st<\/sup>\u00a0to December 15<sup>th<\/sup> \u00a0each year. \u00a0You may qualify to enroll outside that time frame if you have a life-changing event: lose a job, have a baby, move, etc..<\/p><p>With the introduction of Obamacare, most carriers created new smaller provider networks for some of their plans. \u00a0This was to give consumers the ability to lower monthly premiums by accepting less provider choices. \u00a0Some carriers disposed of their large PPO networks altogether. \u00a0If you try to purchase a plan yourself, it is difficult to determine the doctors available to you. \u00a0This is another service we provide. \u00a0We\u2019ll make sure you select a plan that maintains your current provider relationships.\u00a0<\/p><p>Penalties For Not Having Coverage\u00a0(you pay the greater of the two)<\/p><p><a href=\"https:\/\/www.healthcare.gov\/fees\/\">https:\/\/www.healthcare.gov\/fees\/<\/a><\/p><p>The penalty rises yearly with inflation. For the 2017 plan year, the fee is calculated 2 different ways \u2014 as a percentage of your yearly household income, and per person.\u00a0You\u2019ll pay whichever is higher.<\/p><p>Percentage of income<\/p><ul><li>5% of yearly household income<\/li><li>Maximum:Total yearly premium for the national average price of a Bronze plan sold through the Marketplace<\/li><li>Per person per year<\/li><li>$695 per adult<\/li><li>$347.50 per child under 18<\/li><li>Maximum:$2,085 per household<\/li><\/ul><hr class=\"wp-block-separator\" \/><p>For plan years through 2018, if you can afford health insurance but choose not to buy it, you may pay a fee called the individual Shared Responsibility Payment when you file your\u00a0federal taxes. (The fee is sometimes called the \u201cpenalty,\u201d \u201cfine,\u201d or \u201cindividual mandate.\u201d)<\/p><p>Starting with the 2019 plan year (for which you\u2019ll file taxes in April 2020), the Shared Responsibility Payment no longer applies.<\/p><p>Note:\u00a0Some states have their own individual health insurance mandate, requiring you to have qualifying health coverage or pay a fee with your\u00a0state taxes\u00a0for the 2019 plan year. If you live in a state that requires you to have health coverage and you don\u2019t have coverage (or an exemption):<\/p><ul><li>You\u2019ll be charged a fee when you file your 2019 state taxes.<\/li><li>You won\u2019t owe a fee on your federal tax return.<\/li><\/ul><p>Check with your state or tax preparer to find out if there is a fee for not having health coverage.<\/p><figure class=\"wp-block-table\"><table><tbody><tr><td>Employer Sponsored Group Insurance. If you are offered group health insurance at work, you may not apply for a subsidy through the Marketplace.If your spouse is offered group health insurance at work with dependent coverage and\/or family coverage, you may not apply for a subsidy through the Marketplace.Determining Your Income For A Subsidy The Marketplace and the IRS use your Modified Adjusted Gross Income to determine your subsidy eligibility.Making less than 138% of the Federal Poverty Level qualifies you for state insurance through AHCCCS.<\/td><\/tr><\/tbody><\/table><\/figure><p>Subsidies: Premium Subsidies vs. Cost-Sharing Subsidies<\/p><p>If you have a family income under 400% of the Federal Poverty Level, you will most likely qualify for lower premiums.<\/p><p>If you have a family income of under 250% of the Federal Poverty Level, you will most likely qualify for lower premiums and significant discounts on your co-pays, deductibles, and maximum\u00a0 out-of-pocket liability (Silver Plans Only).<\/p><p class=\"has-text-align-center\">QUOTE &amp; ENROLL ACA\u00a0<a href=\"https:\/\/www.healthsherpa.com\/?_agent_id=bernard-esberner\" target=\"_blank\" rel=\"noreferrer noopener\">https:\/\/www.healthsherpa.com\/?_agent_id=bernard-esberner<\/a><\/p><p>SEE FEDERAL POVERTY LEVEL\u00a0CHART BELOW\u00a0<\/p><p>Health Insurance Resources\u00a0\u00a0<\/p><p><a href=\"https:\/\/www.healthcare.gov\/glossary\/federal-poverty-level-fpl\/\">Federal poverty level<\/a><br \/><a href=\"http:\/\/media.wix.com\/ugd\/79d162_f820ea15be3445aeb8995d2fe82aadf3.pdf\">Modified Adjusted Gross Income \u2013\u00a0<\/a><br \/><a href=\"https:\/\/aspe.hhs.gov\/poverty-guidelines\">OutlineFederal Poverty Levels \u2013<\/a><br \/><br \/><\/p>\t\t\t\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t","protected":false},"excerpt":{"rendered":"<p>Welcome to BJE Medicare Which Medicare Insurance Plan is the Right One for Me?Contact BernieHave you reviewed Health Insurance options?Request A ConsultationLife Insurance ConsultantBernie Esberner is a Life Insurance Consultant in your local communityLear More Previous Next HEALTH INSURANCE QUOTE &amp; ENROLL ACA\u00a0https:\/\/www.healthsherpa.com\/?_agent_id=bernard-esberner Individual and Family Health Insurance Beginning in 2014, all new individual and&hellip;<\/p>\n","protected":false},"author":1,"featured_media":2659,"parent":0,"menu_order":30,"comment_status":"closed","ping_status":"closed","template":"template-microsite.php","meta":[],"_links":{"self":[{"href":"https:\/\/www.premiersitedemo.com\/eiko2\/wp-json\/wp\/v2\/pages\/2942"}],"collection":[{"href":"https:\/\/www.premiersitedemo.com\/eiko2\/wp-json\/wp\/v2\/pages"}],"about":[{"href":"https:\/\/www.premiersitedemo.com\/eiko2\/wp-json\/wp\/v2\/types\/page"}],"author":[{"embeddable":true,"href":"https:\/\/www.premiersitedemo.com\/eiko2\/wp-json\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/www.premiersitedemo.com\/eiko2\/wp-json\/wp\/v2\/comments?post=2942"}],"version-history":[{"count":17,"href":"https:\/\/www.premiersitedemo.com\/eiko2\/wp-json\/wp\/v2\/pages\/2942\/revisions"}],"predecessor-version":[{"id":3033,"href":"https:\/\/www.premiersitedemo.com\/eiko2\/wp-json\/wp\/v2\/pages\/2942\/revisions\/3033"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/www.premiersitedemo.com\/eiko2\/wp-json\/wp\/v2\/media\/2659"}],"wp:attachment":[{"href":"https:\/\/www.premiersitedemo.com\/eiko2\/wp-json\/wp\/v2\/media?parent=2942"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}