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Will Premium Subsidies Come In A Lump Sum And What Happens When You Don’t Pay Your Premium?

August 27, 2013  /  Obamacare FAQs

With the opening of the online health insurance marketplaces just a little over a month away, we’ve been receiving many questions about how they’ll work.

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How will Healthcare Reform help small businesses buy insurance?

July 15, 2013  /  Obamacare FAQs

Small Businesses will be eligible to buy insurance through SHOP Exchanges which is also known as the Small Business Health Options program.  SHOP requires states to set up Health Exchanges to create a health insurance marketplace providing an array of affordable, high-quality health insurance plans for small businesses.  By January 1, 2015, SHOP is scheduled […]

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What is a Medical Loss Ratio and how does it impact me and my insurance company?

June 28, 2013  /  Obamacare FAQs

Medical Loss Ratios (MLRs) measure how much insurers pay in claims relative to the premiums that they collect.  MLRs are used by the financial community and insurance regulators to understand how much risk an insurer is taking on in the form of medical cost paid vs. premiums.  The Affordable Care Act requires insurers to maintain […]

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What is a Patient-Centered Medical Home?

June 28, 2013  /  Obamacare FAQs

The Patient Centered Medical Home (PCMH) is a care delivery model whereby patient treatment is coordinated through a primary care physician to ensure patients receive the necessary care when and where they need it.  PCMHs are composed of teams of health professionals that provide a comprehensive set of medical services and the primary care physician […]

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What is a Health Exchange (also referred to as a ‘State Exchange’)?

June 28, 2013  /  Obamacare FAQs

A Health Exchange is a separate insurance market in each state created by the Affordable Care Act to provide subsidized insurance to individuals and families.  Health Exchanges, also known as State Exchanges, are different from private insurance in that those that purchase coverage on the Exchanges receive government subsidies that reduce their insurance premium payments […]

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