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Top unanswered questions regarding an Obamacare repeal

by Brooke Jarchow

Uncertainty continues to linger over the Trump administration’s notion to repeal and replace Obamacare. President Trump, newly-confirmed health secretary Tom Price, and others are still divided when it comes to how to pay for a replacement plan, how much of Obamacare to repeal, and other important details. It’s clear that before moving forward with a plan, the administration will need to address many unanswered questions, and we’re shining a light on 4 of them below.

How would a replacement plan be funded?

Currently, over $100 billion a year is spent on health care costs under the Affordable Care Act. To help pay for these costs, various taxes were included as provisions of the health law.

The new administration has backed getting rid of these taxes and fees, but  how would a replacement plan fund the same health care costs? If the administration is unable to come up with a way to finance a replacement health care law, people could either lose coverage or have to pay much greater costs.

How would the individual insurance markets change?

Obamacare regulates how much insurers can charge and what benefits they must provide, like covering contraceptives and maternity care. A key to Obamacare is ensuring that healthy people – not just the sick – pay for coverage, which balances out the market.

President Trump’s administration plans to allow insurers flexibility to sell different types of insurance and charge different rates. However, it is uncertain how the new plan would make sure sick people aren’t charged high rates or denied coverage, as well as how to ensure young people get coverage.

What could happen to Medicaid expansion?

Medicaid expansion under President Obama insured millions of people by allowing those making up to 138 percent of the federal poverty line to be eligible for Medicaid. During this time, 31 states opted in for the Medicaid expansion.

If the current administration repeals Obamacare, they could take away health coverage for over 10 million people who gained it through the Medicaid expansion alone.

What is the ultimate goal of President Trump’s “repeal and replace?”

Republicans have openly criticized Obamacare for years and have vowed to cut taxes, regulations, and government spending by repealing and replacing the law. President Trump has stated he wants his replacement plan to “have insurance for everybody,” including those who can’t afford it. However, there is a difference in providing insurance to everyone and providing access to insurance, since access to health insurance doesn’t guarantee the ability to pay for coverage if costs are higher.

So far, a replacement plan is not finalized and Obamacare has yet to be repealed.  GoHealth will continue to provide policy updates as they are made.

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The majority of physicians support the Affordable Care Act

by Brooke Jarchow

With over 20 million people at risk to lose health insurance coverage should the Affordable Care Act be repealed by the Trump administration, we turn to primary care physicians to hear their views on the Affordable Care Act and the potential repeal of the law. The views of primary care physicians are important to consider as they are usually the first point of care for sick individuals and those with health care needs. Below, information from a Penn Leonard Davis Institute of Health Economics study reveals what physicians think about the law and the future of health care.


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How the recent Humana news could affect your Obamacare coverage

by Lauren Mandel

Over the past few months, there have been quite a few announcements concerning the future of Obamacare. Yesterday, there was yet another one: Humana announced that it will no longer offer individual health coverage under the Affordable Care Act starting in 2018. If you saw this news, you may be wondering what this information means for you, your family, and your health coverage. If you’re enrolled in a Humana plan through the marketplace, will you lose coverage? When will you need to find a new plan?


The short answer: don’t panic and remember that GoHealth is here to help you through any future transitions. But we also wanted to share a longer answer with you. Below is more information about this particular Humana announcement, as well as answers to other questions you might have right now.

When will Humana officially stop selling health insurance plans under the Affordable Care Act?

In many of the articles you may be reading about this topic, you’re probably seeing that Humana will stop offering coverage “starting in 2018.” So if you have a Humana plan now, does this mean you won’t have to look for a new plan until 2018 begins? Not exactly. The next Open Enrollment Period would likely start on November 1 of this year, 2017.  So, basically, you should start considering other options in 2017, when Open Enrollment begins, so that you have new coverage starting in 2018.

If I’m enrolled in a Humana plan now, will I lose my coverage soon?

If you are currently enrolled in a Humana plan through the marketplace, do not panic; your coverage will not be canceled or revoked for this year. However, you may want to begin thinking about other options for next year. Since Humana will not be offering plans during the next Open Enrollment Period, you will have to shop for a new plan from a new provider in order to secure 2018 coverage.

Now that Humana plans will not be available in 2018, will I have other coverage options?

When you enroll through GoHealth, we’re always here to offer you different options and help you find the best plan available. While Humana may not be offering plans for 2018, we will be able to help connect you with other plans from other top providers once Open Enrollment begins in the fall.

Have other questions? We’re happy to help. Please comment below or call 888-322-7557.

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Activate your health coverage by paying your premium

If you enrolled in health insurance for 2017, make sure to pay your monthly premium in order to activate your coverage for the year.

A premium is a payment to your health insurance provider that is typically charged on a monthly basis. These payments keep your coverage active, similar to paying your electric bill in order to keep your lights on. If you don’t pay your electric bill, you might lose power; if you don’t pay your health insurance premium, your provider may delay or cancel your health coverage plan.

Once you pay your first month’s premium on time, your health insurance coverage will activate. Then, as long as you pay your following premiums on time, your coverage will continue.

Keep in mind that even if you enrolled in an insurance plan through, your premium payments need to be sent directly to your provider. Your provider likely sent instructions for how and when to make your premium payments, so reach out to your provider if you have any questions on paying your first premium.

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Your health insurance deadline is today

Today is January 31, marking the deadline to enroll in health insurance coverage for 2017. If you choose not to enroll in a health care plan today, you will not be able to enroll until the next Open Enrollment Period unless you have a Qualifying Life Event before then.

Deadline Last Day 2

If you have not yet enrolled in a health care plan for 2017, or if you were re-enrolled in your original plan, take time to review your options and secure necessary coverage while you can.

Wondering if you should enroll in health insurance? Keep in mind that health insurance can provide cost assistance for individuals and families in many common medical situations. Additionally, health insurance can cover preventive services such as cancer screenings and routine immunizations.

Convinced you need health insurance but need help choosing a plan or enrolling in a plan? There are licensed agents who can discuss your options and offer advice.

Be sure to enroll today to protect you and your family with health coverage in 2017!

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Re-enroll in health coverage before the deadline

by Brooke Jarchow

January 31 is just around the corner, which means the deadline for securing health insurance for 2017 is approaching quickly. If you miss the final deadline, you won’t be able to enroll in health insurance until the next Open Enrollment Period, unless you have a Qualifying Life Event before that time.deadline

To secure coverage in 2017, take time to review all of your health care coverage options so you can find a plan that is best for you and your family. Keep in mind that if you were previously enrolled in a 2016 Marketplace health plan and did not choose a new plan, you will likely be automatically re-enrolled in your original plan. While this may seem like the hassle-free way to secure coverage, plans can change and you could end up saving more by evaluating your options and making changes if necessary.

Do you need help choosing a plan or enrolling in health insurance? If you need assistance, there are licensed agents who can help you pick a plan and enroll.

While the future of Obamacare remains uncertain, the law has not officially been repealed or changed yet, so it’s important to make sure you secure coverage for January, 31 2017.

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Obamacare and mental health coverage share an uncertain future

by Brooke Jarchow

Tomorrow, President-elect Donald Trump will take office as the next President of the United States. The President-elect made a list of promises for his first 100 days in office, including a promise to “immediately deliver a full repeal of Obamacare“. Despite revealing few details of a replacement plan so far, Trump has also promised that there will be “insurance for everybody.”

However, if Obamacare is fully repealed, 20 million currently-covered people could be left uninsured or paying more for insurance, including those with pre-existing conditions. Among the most common pre-existing conditions is mental illness, currently impacting one in five Americans.


Let’s take a look back at mental health coverage in America. In 2014, Obamacare provided the largest expansion of mental health and substance use disorder coverage in a generation. A provision of the health law requires health insurance plans to cover necessary services for those with mental illness. Obamacare also requires health insurance plans to provide preventive services such as cost-free depression screenings.

In the United States, over 30 percent of the population is affected by anxiety disorders, including generalized anxiety, social anxiety, panic attacks, phobias, OCD, PTSD, depression, eating disorders, bipolar disorders, and more. Anxiety disorders also affect one in eight children, and research shows that if untreated, children with anxiety are more likely to perform poorly in school and engage in substance abuse.

Anxiety can severely impact quality of life for children and adults. Studies show that many young adults in college suffer from anxiety disorders related to stress. The most recent Senate vote attempted to deny those who are age 26 and under from staying on their parent’s health plan, a current provision of Obamacare. This could potentially lead to untreated and undiagnosed mental illnesses in young adults.

If left untreated or undiagnosed, mental illnesses can lead to other chronic illnesses, job and relationship instability, homelessness, incarceration, and violence. Should Trump and the Republicans succeed in repealing Obamacare, those with mental illness could face dangerous repercussions. During his campaign, Trump emphasized that the United States needs to focus on the “massive problem” of mental health, but in order to improve mental health, those suffering from or prone to mental illnesses will need access to coverage and care.

While the Senate’s votes to repeal certain aspects of the health law that would affect mental health coverage are not yet final, this is a reminder that Trump and the Republicans are standing by their promises. The future of mental health care for millions in America remains uncertain until a replacement plan is put in place.

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What last night’s Senate vote could mean for women’s health care

by Lauren Mandel

In a matter of days, President-elect Donald Trump will take office as the next President of the United States. But he’s not waiting until he takes office to influence certain change. Just last night, the Senate voted to begin breaking apart the Affordable Care Act, and although we’ve mentioned in the past that the health law’s future is still somewhat unknown, it’s becoming more and more likely that it will not remain in tact.


So what does this vote mean, particularly for women’s health care? In response to the vote, Democratic senators put forth a series of amendments in an attempt to protect certain provisions of Obamacare, but all were rejected. One amendment would have required insurers to continue to cover the cost of contraceptives, and without it, 55 million women could be left to pay for their birth control completely out of pocket.

A second amendment attempted to maintain the pre-existing conditions provision of the current health law, which protects those with conditions like cancer or diabetes from being denied or charged more for coverage. This amendment was also denied, which means getting pregnant (which is considered a pre-existing condition under Obamacare) could mean increased premiums for millions of women.

While this is only the beginning of the process to dissolve the Affordable Care Act, it’s a sign that Trump and the Republican party will waste little time doing what they’ve been promising for months.

Stayed tuned for continued updates on the Affordable Care Act and other health care news. 

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5 things to know when shopping for a Medicare Supplement plan

by Lauren Mandel

If you’re eligible for Medicare, you may want to consider a Medicare Supplement policy. These plans can help close any gaps in your current Medicare coverage by helping to pay for certain costs like copayments. At the end of 2015, almost 20 million Americans had a Medicare Supplement plan.

Not sure if a Medicare  Supplement plan is right for you? Here are 5 things you should know while shopping for a policy.

You cannot get Medicare Supplement until you have Parts A & B. You’ll like be automatically enrolled in Part A around your 65th birthday, but for Part B, you’ll most likely need to call your local Social Security office to actively enroll. Once you acquire both parts, you’ll be able to move forward with exploring Medicare Supplement plans.

The best time to buy a Medicare Supplement policy is when you’re first eligible. Although you may still be able to get a Medicare Supplement plan after this time period, there may be fewer plans available or your options may be more expensive.

You’ll need separate Medicare Supplement policies for you and your spouse. A Medicare Supplement plan only covers one person, so if your spouse is also looking to close gaps in his or her coverage, encourage them to get their own policy.

Your Medicare Supplement premium is separate from any premium you might pay for Part B. And remember: your coverage will only be active once you pay your first month’s premium.

There are some benefits a Medicare Supplement plan won’t cover. If you need things like dental or vision coverage, consider looking at separate plans for these benefits to ensure you have the complete coverage you need.

Ready to explore your Medicare Supplement plan options? Call 855-457-5249 to start the enrollment process today.

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This is the most asked question regarding health insurance:

by Brooke Jarchow

There seem to be endless questions regarding health insurance and health care terminology. However, understanding the difference between deductibles, copayments, coinsurance, and cost-sharing can help you understand when and how much you will have to pay for health care.

Not-so-coincidentally, the most common question regarding health care coverage is, “What is my deductible and how does it work?”

When you and your health insurance company each pay part of your medical expenses, it’s called cost sharing. Deductibles are part of cost sharing.

A deductible is the amount you pay for health care services before your health insurance begins to help you pay expenses. Once you meet your deductible, your insurer begins paying more health care costs through copayments or coinsurance.

For example, if your deductible is $1,000, that means you’ll pay for all of your medical and pharmacy bills up front and out-of-pocket until the amount you’ve paid in total reaches $1,000. At that point, you can then share future costs with your insurance plan for the remainder of the year.


So, if you expect to visit the doctor often (maybe you have a chronic illness or are planning to become pregnant or have surgery), you might consider a plan with a lower deductible and higher monthly premiums. When choosing this type of plan, your frequent doctor visits will likely help you reach your deductible faster than someone who does not need a doctor as often. Paying higher monthly premiums allows for more predictable, monthly costs.

If you are healthy and do not expect the need for significant health care, you could
benefit financially from choosing a plan with lower monthly premium payments. . However,  if you do end up needing to see a doctor, you will have to meet your potentially-higher deductible before your insurance starts to help with medical costs. In this case, you may benefit from setting up a Health Savings Account (HSA).

In the end, there are many health plans to choose from and many factors to consider  before making your final decision. The key to finding the right plan is to understand your current and future health care needs.


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