Healthcare.gov Unplugged: Learn what's working and how to apply for a health plan at Healthcare.gov

Healthcare.gov UnpluggedREGISTER TO ATTEND A 20 MINUTE WEBINAR

At http://www.TheMedicalInsuranceExchange.com

• Webinars run daily through March 31st at following times:• 10 am, 2 pm, 7 pm.• Register for the webinar date/time that best suits your schedule.

• Call (214)764-6315 to schedule a live presentation for your group or company.

http://www.themedicalinsuranceexchange.com/

Here are my credentials:• Since 2003, licensed TX

insurance broker, TX License # 1235220, National Producer #7751382.

• Certified by Health and Human Services and Center for Medicare Services to help individuals qualify and apply for the IRS health insurance premium tax credit (subsidy), and to help them select and enroll in a plan.

• In 2013, spoke to 76 different business, civic, professional and religious groups to explain The Affordable Care Act.

• Ranked in top 1% of all agents in TX for ACA enrollments by the largest health insurance carrier in the state of Texas.

I don’t recommend it, but if you decide to enroll yourself, if you enter my name and the information below during your Healthcare.gov application, I will be your broker of record and will be available to assist and support you throughout the year.

My Contact Information:• Mike Chapman, TheMedicalInsuranceExchange.com6505 West Park Blvd, Suite 306-312, Plano, TX 75093(214) 764-6315 office, (214) 732-3691 cell, [email protected]• I am a subject matter expert and frequent public speaker on

healthcare and insurance matters and a frequent. I specialize in health, life, and other personal lines of insurance and employee benefits for businesses.

• There is no cost for my services; you pay the same rate as you would anywhere else, but I support my clients with expert advice and support throughout the year. And I can save you hours of time and frustration, and prevent you from making a bad decision.

• (Note: I am paid a small commission directly from any insurance carrier that you select that enables me that enables me to support my family and continue to support, educate and assist the great people in the community of North Texas.)

mailto:[email protected]

© 2013 Michael Chapman, GroupBenefitsAdvisors.com

10/1/2013-12/7/2013

Healthcare.gov


ACA is a GAME CHANGER:

• Guaranteed issue• No “Rate Ups” for Risk or Conditions

What is a Qualified Health Plan (QHP)?


Essential Health Benefits

• Ambulatory patient services• Emergency services• Hospitalization• Maternity and newborn care• Mental health and substance use disorder services,

including behavioral health treatment• Prescription drugs



Essential Health Benefits, contd.:

• Rehabilitative and habilitative services and devices• Laboratory services• Preventive and wellness services; chronic disease

management• Pediatric services, including oral and vision care



Tons of Wellness & Preventative

• 100% paid if go to an in-network provider• Adult• Women• Children• + Obesity, smoking cessation, alcohol/substance abuse

counseling, + serious mental and emotional.



From Now On…• Individual QHP Health Plans are as comprehensive as employer

plans…

• Individual QHP Plans Offer wider choices than an employer plan, but you have to choose…

• Individual QHP Health Plans are as expensive as employer plans, unless…

Healthcare Reform


Uncle Sam May Even Help You Pay For It!

…But if you don’t buy one, you’ll pay a tax penalty!

What’s better thanGuaranteed Issue?


• A House?• A New Car?• Business Expense?• Job Search Expense?• A Child or Spouse?

Ever taken a tax deduction for…


• Received Unemployment Compensation?

• Taken a Student Loan?

• Federal Scholarship?

Have You Ever…


• Between a Deduction and a Grant?

• Between a Deduction and a Tax Credit?

• Which is Better?

What’s The Difference?


Remember This?


Now This:


What’s The Point?

EVERYONE takes deductions and tax credits and receives

some form of govt. assistance.


What’s The Point?

Don’t be too proud or afraid to do something that is legal and is in your own and your

family’s best interest…


What’s The Point?

• …It may not be around forever!


• For 2014, through 3/31/2014, or…• The Following Qualifying Events:

• Loss of employer health plan• Loss of Income

• (Ins. Costs more than 9.5% of Employee Only Covg.• Death, Divorce, Remarriage, Birth, etc.

What is The ACA Open Enrollment Period?


• Means You Can Sign Up for Guaranteed Issue Health Coverage, No Matter How Sick Or Healthy.

• BUT NO PREMIUM SUBSIDY IF EITHER SPOUSE IS ELIGIBLE FOR A GROUP HEALTH PLAN OR IF EITHER SPOUSE IS COBRA-ELIGIBLE

What Open Enrollment Period Means


• IRS premium Tax credit is the subsidy that, if eligible based on household size and 2014 household adjusted income,

Reduces the cost of your health insurance.

• You can use all, some, or none of the subsidy to reduce the cost of your health insurance premiums.

• --99% of applicants choose to use “all” of the subsidy.

Let’s look at Obamacare Subsidies (IRS Premium Tax Credit)…


• The Subsidy (IRS Premium Tax Credit) Is Based on What YOUR WHOLE FAMILY projects as ADJUSTED GROSS INCOME for 2014.

• You must project for 2014-- The subsidy is NOT based on your 2012 or 2013 adjusted gross income.



Household Income Sources:• W-2 Wages, 1099 income from ALL family members

• Self-employment income

• Unemployment, Workers Comp, Disability Income

• 401k, IRA, Pension Retirement Withdrawals



• The Subsidy (IRS Premium Tax Credit) Is Based on Your 2014 ADJUSTED GROSS INCOME:



• Line 37 of IRS pub. 1040 IS AFTER SCHEDULE C itemized deductions and other adjustments.

Let’s look at IRS Definition of Adjusted Household Gross Income


ACA (Obamacare) Decisions

• What Do I Project My Income to be for 2014?

• What Level of Coverage do I Need, Want and can Afford?

• How Can I Make the Best Decisions for me and My Family?

• How and Where Can I Enroll Quickly?

• How and Where Can I Get Professional Help?


• Click on the red icon at http://TheMedicalInsuranceExchange.com

• Enter your Name, email, dates of birth and home zip code to view details of all available ACA plans in Texas.

• Don’t be fooled by focusing on price alone….There’s Huge Differences in Doctor/Hospital Networks between carriers and plans.

Let’s look at rates and plans…

http://themedicalinsuranceexchange.com/


• Don’t be fooled by focusing on price alone….There’s Huge Differences in Doctor/Hospital Networks between carriers and plans:

• Humana – Not in Marketplace in N. Texas• Aetna – Has not announced which Drs., Hospitals are

in their ACA Network• Cigna – “Skinny PPO network” (Local Plus)

• Only in Metro areas of TX, FL, CA, TN• Fewer Drs., Hospitals

Let’s look at rates and plans…


• Healthcare.gov – Only place to get a subsidy• Health Insurance Carrier Websites• Licensed, trained, certified TX agent who

specializes in this and services clients year around with advice and support.

How Can I Enroll?


• Do it Yourself • Navigators, temporary call center agents (most

are not in TX)• Licensed, trained, certified TX agent who

specializes in this and services clients year around with advice and support.

How Can I Enroll?


• Online• In Person• By Phone• Or…

How Can I Enroll?


• By appointment on a private webinar with a Licensed, trained, certified TX agent who specializes in this and services clients year around with advice and support.

How Can I Enroll?


• Licensed, trained, certified TX agent who specializes in this and services clients year around with advice and support.

• Through screen sharing, you understand better and faster and speed through the subsidy application and plan enrollment.

Big Webinar Advantage:


• Maximizes your time, you never have to leave home.

• Can enroll evenings and weekends, leaving your daytime hours free.

• Average enrollment time + questions/answers takes 1 to 1 ½ hours, takes much less than if you did it yourself or traveled to meet with a navigator or even an agent.

Big Webinar Advantage:

• Best “Unofficial” subsidy calculator available here:• http://TheMedicalInsuranceExchange.com/obamacare-subsidy-calculator/• Or http://goo.gl/LbldeU

• To View Rates and Plans for ALL ACA plans in North Texas: Click on the icon on any page at

• TheMedicalInsuranceExchange.com, and enter your information.

• To Download TheMedicalInsuranceExchange TroubleFree Guide to Obamacare Enrollment:

• Click on the “Apply for Obamacare Health Insurance Here” banner at http://TheMedicalInsuranceExchange.com and download the pdf document.

• To schedule an appointment for a private webinar consultation and enrollment in subsidy and/or health plan:

• Send email to [email protected], with “Obamacare Enrollment Request” in the Subject line. Include your name and best phone #, home zip code and date(s) of birth.

• Mike Chapman, (214) 764-6315 office, (214) 732-3691 cell, [email protected]

http://themedicalinsuranceexchange.com/obamacare-subsidy-calculator/

http://goo.gl/LbldeU

http://goo.gl/LbldeU




• Apply by 2/15/14 for coverage effective 3/1/14.



Open Enrollment Ends March 31st

Don’t Delay!!!Open Enrollment Deadlines:

Obamacare CheatSheet:Click on the “Apply for Obamacare Health Insurance Here” banner at http://TheMedicalInsuranceExchange.com and download the pdf document. (Download and print the paper application on same page but use as an organizer only.)



• Email [email protected]• Put “Obamacare Enrollment Request” in subject line.• Include family names, email, phone #, home zip and

dates of birth• Will send in emails with documents you need, along

with rates for your family, plus updates.• Will follow up with info on online enrollment and

enrollment centers when govt. technology is working.

How Can I Make an Enrollment Appointment?


My Contact Information:• Mike Chapman, TheMedicalInsuranceExchange.com6505 West Park Blvd, Suite 306-312, Plano, TX 75093(214) 764-6315 office, (214) 732-3691 cell, [email protected]• I am a subject matter expert and frequent public speaker on

healthcare and insurance matters and a frequent. I specialize in health, life, and other personal lines of insurance and employee benefits for businesses.

• There is no cost for my services; you pay the same rate as you would anywhere else, but I support my clients with expert advice and support throughout the year. And I can save you hours of time and frustration, and prevent you from making a bad decision.

• (Note: I am paid a small commission directly from any insurance carrier that you select that enables me that enables me to support my family and continue to support, educate and assist the great people in the community of North Texas.)



• Register for the 20 minute webinar at http://www.TheMedicalInsuranceExchange.com

• Contact Mike Chapman at (214)764-6315 to speak to your company or group.

• Forward This Information to People You Know or What Companies Do You Know That Could Benefit.

Action Steps

http://www.themedicalinsuranceexchange.com/

Economy & Finance

Healthcare.gov Unplugged: Learn what's working and how to apply for a health plan at Healthcare.gov