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In a post ACA world, employers who offer COBRA payments for a period after an employee’s termination should be VERY CLEAR that when employer COBRA severance ends, the terminated employee will pay the entire COBRA payment and will NOT be able to purchase a less expensive individual health plan outside of the open enrollment period.

One VERY significant change to the individual health insurance market made by The Affordable Care Act (ACA, Obamacare) is the implementation of open enrollment and special enrollment periods. Prior to the ACA, an individual could purchase health insurance from an insurance carrier anytime, but the insurance carrier could reject an application, based on a pre-existing condition of the applicant.

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?

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?