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Elect COBRA or Get Obamacare?

Apr 15, 2014 2:01:08 PM / by Kelley Jensen posted in Kelley Jensen, Affordable Care Act

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Health Care Reform (Obamacare, The Affordable Care Act, ACA) may dramatically change the number of terminated employees that elect COBRA.  Why?  Because Obamacare has created many more options for terminated employees, including the possibility of receiving an advance premium tax credit (also known as subsidy) for terminated employees that qualify.

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SHOP – The Real Reason Employees Will Love It

Nov 18, 2013 2:18:15 PM / by Kelley Jensen posted in Kelley Jensen, SHOP, SHOP plans, benefits CONSULTING, small business health options program

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What is the SHOP? SHOP stands for Small business Health Options Program, and it was established by health care reform as part of the state run marketplaces used to purchase health insurance plans for businesses with less than 50 employees. The goal of the SHOP is to make it easier for small businesses to purchase a group health plan and to offer tax credits for doing so. But is SHOP best for your employees and their families?

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Small Employer Health Insurance Premium Tax Credit, All About It

Oct 28, 2013 3:20:19 PM / by Kelley Jensen posted in Kelley Jensen, Small Employer Health Insurance Premium Tax Credit, Affordable Care Act, form 8941, Health Care Reform

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Before Health Care Reform, there were no special federal tax incentives for small employers to offer health insurance coverage to their employees, other than an ordinary business deduction, and small business owners struggled with the expense of group coverage.  To encourage small employers to provide health insurance coverage for their employees, health care reform provides a small business tax credit for tax years beginning 2010, through 2015.

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What are Health Care Subsidies and Premium Assistance Tax Credits?

Oct 1, 2013 8:05:23 AM / by Kelley Jensen posted in exchange, Kelley Jensen, monthly health insurance premiums, premium assistance credit, Premium Assistance Tax Credits, subsidy, Affordable Care Act, affordable insurance, buy insurance, Health Care Subsidies, health insurance premium, premium assistance, tax credit

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What is the difference between subsidies, premium assistance, tax credits: which apply to me and how do I get them?

Subsidy, premium assistance, premium assistance credit, premium assistance tax credit, tax credit are all terms that are used interchangeably to describe money available to assist with the payment of monthly health insurance premiums for people that qualify for help.

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Medicare Eligible. Can My Adult Child Stay On My Work Insurance?

Sep 3, 2013 7:51:33 AM / by Kelley Jensen posted in Kelley Jensen, Medicare eligible, work insurance, adult child, Affordable Care Act, benefits CONSULTING, Medicare

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Question:

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I am 64 years old. I still work and have my health insurance through my job, but I am thinking about enrolling in Medicare around my 65th birthday, regardless of whether I retire or not. If I do that, can my child stay on my work’s insurance plan?

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Health Insurance Exchange Notice FAQ

Jul 24, 2013 8:17:43 AM / by Kelley Jensen posted in exchange notice, Kelley Jensen, new government exchanges, notice, Uncategorized, buy health insurance, health insurance, new health care law, one for employers who offer a health plan

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I have a friend that got a notice from her work about the new health care law, but I have not gotten one from my employer.  Should I ask about it?  What does the notice say, and will it help me get health insurance?  Right now I do not have any health insurance, it is not offered at work, but I know that I am supposed to get some in 2014.  Will my boss start providing it, is that what this notice is about?

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Health Care Reform: What do I Absolutely Need To Know?

Jun 14, 2013 8:29:16 AM / by Kelley Jensen posted in Obamacare, Kelley Jensen, Affordable Care Act, Health Care Reform

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There is so much information circling around the internet and media outlets about Obamacare, health care reform and the new law. I feel very overwhelmed by it, and I only care how it affects me.  What do I absolutely need to know?

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If Your Child Needs Help, Skip The Child Psychologists

Jun 4, 2012 9:10:50 AM / by Kelley Jensen posted in Kelley Jensen, psychologist, speech tehrapy, Uncategorized, auditory processing issues, child psychologists, educational therapy, social language issues, speech therapist

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It always starts the same for parents. One day your child does or says something that makes the hairs on the back of your neck stand up and a nagging feeling inside you says,“something is wrong with my child”.

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