Dental plans are not typically included in an Obamacare (Affordable Care Act) policy in Florida. While the ACA mandates that health insurance plans must include coverage for essential health benefits, dental coverage for adults is not considered an essential health benefit. However, dental coverage for children is considered an essential health benefit under the ACA…. [Read More]
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Top Ten Life Insurance Questions Our Florida Insurance Agency Is Asked
Helping individuals and families find the right life insurance policy for them The top ten life insurance questions an insurance agency is asked in Florida may vary depending on the individual’s circumstances and needs, which are listed on this “Life insurance policies in Florida” blog. However, here are ten common life insurance questions that insurance… [Read More]
Life Insurance Policies in Florida
Each person’s situation is unique, and the right policy depends on individual circumstances Life insurance policies in Florida, and everywhere else, can vary depending on the individual’s circumstances and needs for several reasons: Coverage Amount: The amount of coverage that a person needs can vary depending on their financial obligations, such as mortgage, debts, and… [Read More]
What Features Does A Mortgage Protection Policy Have?
Mortgage Protection Insurance Explained Mortgage protection policies are designed to provide a specific benefit to pay off the remaining mortgage balance in the event of an eligible event such as death, disability, involuntary job loss, or critical illness. Some additional features that may be included in a mortgage protection policy include: Waiver of premium: A… [Read More]
Medicare Advantage Enrollment Growth – 1099-2020 Period
All Medicare-eligible people in Florida have access to a $0-premium Medicare Advantage plan. This graph represents the total Medicare Advantage enrollments (in millions) during the 1099-2020 period. Medicare Advantage Private plans that contract with the federal government to provide Medicare benefits. Please keep in mind that different areas have different Medicare Advantage Plans. A particular… [Read More]
ACA 2023 FPL Levels Shared by Insurance Pro
For the 2023 tax year, the ACA affordability threshold will decrease to 9.12%. The Affordable Care Act (ACA) benchmark for determining the affordability of employer-sponsored health coverage will significantly decrease to 9.12% of an employee’s household income for the 2023 plan year — down from the 2022 plan-year level of 9.61%, according to IRS Rev…. [Read More]
Important Deadlines for Health Insurance, ACA/Obamacare, Medicare
Dates and deadlines for 2023 health coverage Open Enrollment for 2023 runs November 1, 2022–January 15, 2023. Enroll by December 15, 2022 for coverage that starts January 1, 2023. Plans sold during Open Enrollment begin January 1, 2023, if you paid your first premium. After January 15, 2023 you won’t be able to get 2023… [Read More]
What to Expect During your ACA Renewal Appointment
Please be ready to answer the following ACA specific questions during your appointment. Are you satisfied with your current health plan or are you interested in reviewing new options? What will your estimated income be the year 2023 for you and everyone failing taxes together? Have you had any changes to your demographic information? I… [Read More]
When Is ACA’s Open Enrollment for 2023?
Need health insurance? Open enrollment for 2023 ACA-compliant health coverage runs from November 1, 2022 to January 15, 2023 in most states You can get health coverage for the rest of 2022 if you qualify for: A Special Enrollment Period due to a recent life event, like losing other coverage, moving, getting married, or having… [Read More]
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