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Miss open enrollment? You’ve got options.
Open enrollment for 2018 ran from November 1, 2017 to December 15, 2017 in most states. Outside of those dates, enrollment on and off the exchange is only available if you experience a qualifying event, but for 2018, there are extensions and special enrollment periods available to millions of people. Short-term coverage is the closest thing you can get to "real" health insurance if you find yourself needing to purchase a policy outside of open enrollment without a qualifying event. Short-term plans are now limited to less than three months in duration, but that's expected to change in 2018.

POSTED JANUARY 27, 2018 6:05 AM
Healthcare insurance doesn’t have to break the bank
The answer is that affordable health coverage is out there and is possible – if you don't overlook some obvious strategies that will decrease your insurance costs.

POSTED JANUARY 18, 2018 9:16 PM
Billions in ACA rebates show 80/20 Rule’s impact
Ever since 2012, millions of Americans have received rebates from their health insurers each fall, refunding portions of prior-year premiums that were essentially too high.

POSTED JANUARY 15, 2018 7:34 AM
Self-employed health insurance deduction 2017
It's important for the self-employed to know all the ways they can save a few dollars here and there. One obvious place to look is on their tax forms, but one look isn't enough: federal deductions for health insurance change regularly, so keep up with code changes.

POSTED JANUARY 02, 2018 1:42 PM
The ACA’s cost-sharing subsidies
While the Affordable Care Act's premium subsidies help pay the cost of the health insurance itself, cost-sharing subsidies help to reduce out-of-pocket spending for eligible enrollees when they select Silver plans. The guidelines have been adjusted slightly for 2017 (and again for 2018), but the result is still an excellent deal for people with income up to 250 percent of the poverty level, if they pick silver plans. The future of cost-sharing subsidies is uncertain, however, due to a pending lawsuit.

POSTED DECEMBER 29, 2017 8:34 AM
Obamacare penalty exemptions
According to the IRS, 7.9 million tax filers were subject to the penalty for being uninsured in 2014, but 12.4 million were able to claim an exemption from the penalty, despite being uninsured in 2014. Again in 2015, the number of exemptions surpassed the number of people who owed the penalty by a wide margin.

POSTED DECEMBER 26, 2017 5:33 PM
Will you owe a penalty under Obamacare?
If you decide not to purchase coverage and remain uninsured, you can use the calculator on this page to determine the size of the penalty you would pay. But here's the good news: many uninsured Americans are exempt from the penalty, and premium subsidies are making health insurance affordable - often for the first time - for millions of people.

POSTED DECEMBER 23, 2017 2:30 PM
2018 Obamacare subsidy calculator
An impressive 85 percent of Americans shopping in the exchanges receive subsidies. If you're worried about the cost of premiums, use our subsidy calculator to see how much you'd save.

POSTED DECEMBER 20, 2017 9:44 PM
Should you look outside the ACA’s exchanges?
The consumer protections in the ACA apply to all new individual policies, regardless of whether the coverage is sold in the exchange / marketplace.

POSTED DECEMBER 19, 2017 4:13 PM
Qualifying events that can get you coverage
Even if you missed the general open enrollment, you could still have an opportunity to enroll in an ACA-compliant plan this year if you experience a qualifying event. In that case, you have a special open enrollment period – generally 60 days – during which you can enroll in a new plan on or off-exchange, or switch to a different plan. Be aware, however, that new market stabilization rules have tightened up the rules that apply to special enrollment periods.

POSTED DECEMBER 18, 2017 6:01 AM

The Medicare Blog

Donors save lives
Each year, about 8,000 people die waiting for an organ transplant, and just one donor can save and heal up to 75 lives through organ and tissue donation. Today, there are more than 120,000 patients waiting for a lifesaving organ transplant and many more who need cornea, tissue, bone marrow, blood, and platelet donations. There […]

POSTED FEBRUARY 14, 2018 5:01 AM
Wear red – support women’s fight against heart disease
Did you know that every minute, heart disease takes the life of a woman in the United States? Heart disease doesn’t affect every woman in the same way, but there are signs to look for and ways to help prevent it. Medicare covers cardiovascular disease screenings every 5 years for people with Part B. Quitting […]

POSTED FEBRUARY 02, 2018 5:01 AM
Show your heart some love this Valentine’s Day
Although popular love songs might tell you otherwise, a broken heart can’t kill you—but heart disease can. Heart disease is the leading cause of death in the United States for both men and women, taking about 630,000 lives each year. You might not be able to avoid Cupid’s arrow, but you can take steps to lower your […]

POSTED FEBRUARY 01, 2018 5:01 AM
New Medicare cards protect your personal information
Starting in April 2018, Medicare will mail new Medicare cards to all people with Medicare, to help protect you from identity fraud. Fraudsters are always looking for ways to get your Social Security Number so we’re removing Social Security Numbers from all Medicare cards to make them safer. Your new card will have a new […]

POSTED JANUARY 25, 2018 7:30 PM
Focus on keeping your vision clear
Glaucoma is a group of diseases that can cause permanent vision loss and blindness. Some forms of glaucoma don’t have any symptoms, so you may still have glaucoma even if you don’t have any trouble seeing or feel any pain. If you find and get treatment for glaucoma early, you can protect your eyes from […]

POSTED JANUARY 11, 2018 5:01 AM
Find cervical cancer early—get screened
Over 12,000 women in the U.S. are diagnosed with cervical cancer each year. Early treatment is key, and fortunately, it’s one of the easiest female cancers to detect. Medicare covers Pap tests, Human Papillomavirus (HPV) tests (as part of Pap tests), and pelvic exams that can help find cervical and vaginal cancer early and improve […]

POSTED JANUARY 02, 2018 5:01 AM
Stop the flu before it stops you
Flu season is back, which means it’s time to protect yourself and loved ones by getting a free flu shot. Flu viruses change from year to year, so it’s important to get a flu shot each flu season. It’s free for people with Medicare, once per flu season when you get it by doctors or other […]

POSTED DECEMBER 04, 2017 2:15 PM
Wear your red ribbon – Support World AIDS Day
Did you know that 40,000 people are diagnosed with HIV in the U.S. each year? Of the 1.1 million people currently living with HIV in the U.S., 1 in 7 don’t even know they have it. Medicare covers HIV screenings for people with Medicare 15-65 years old who ask for the test, people younger than 15 or […]

POSTED DECEMBER 01, 2017 5:01 AM
Medicare Open Enrollment: time’s running out
Medicare Open Enrollment ends next week on December 7. If you’ve been thinking about changing your Medicare coverage, now is the time to act. You may already know you have choices in how you get Medicare hospital, medical, and prescription drug coverage, but did you know you can get help online? By answering just a […]

POSTED NOVEMBER 28, 2017 5:01 AM
Make life easier: set up automatic premium payments
Most Medicare Prescription Drug Plans charge a monthly fee that varies by plan. This fee is called a premium. You pay this in addition to the Medicare Part B premium. Did you know that you can have this premium automatically deducted from your monthly Social Security payment? Get peace of mind knowing that bills are […]

POSTED NOVEMBER 21, 2017 5:01 AM

NOTICE: The links and articles found on or within this news center are simply for informational purposes that we believe may be of benefit to our clients and/or website visitors. By providing these links on our website, we are not recommending or endorsing the use of the particular products or services these third parties offer. Nor does Laughlin Insurance, Inc. confirm, corroborate or agree to the statistics or opinions on these links and articles. We urge you to review each website’s Privacy Policy, Disclaimers, and develop an independent opinion of the service or product for any link pursued.