Marketplace Open Enrollment 2023 Starts NOW - Get your health insurance!

[@georgestone0123]

It’s such a blessing that my wife and I aren’t just married, but we’re also each other’s best strategic partner in business. I’m great at what she lacks, she’s great at what I lack and we have an Adviser to work with. Praise God!! And thank you for the awesome content!!

[@tahirisaid2693]

Great job with your wife! I bet you’re living your best life right now

[@tahirisaid2693]

I’m a young mom, I’m really glad to hear your story it inspires me. can you share how you earn weekly

[@georgestone0123]

Whichever firm you select, make sure you get your insurance from a reputable financial adviser, such as *Jenny Pamogas Canaya,* who has dedicated her career to financial planning. Because they will assist you in escalating, navigating better, and completing the task in a safer manner.|

[@tahirisaid2693]

I've come across several positive endorsements of Jenny Pamogas Canaya on various platforms, including KZbin channels, seminars, and more._.

[@mitzkitty]

Wow, this video is GOLD! God bless you for posting this!

[@iHealthBrokers]

So glad to help!

[@PraveenSrJ01]

Found this video really helpful! Thank you so much 😊

[@iHealthBrokers]

Thank you! Let us know if you have any questions!

[@PraveenSrJ01]

@@iHealthBrokers thank you for your reply. Really appreciate it

[@carlexus3133]

That's a lot to go through. especially the tax/cash info.

[@iHealthBrokers]

It can definitely be overwhelming!

[@chrisforker7487]

Excellent video, thank you very much!

[@iHealthBrokers]

You are very welcome, Chris. Thanks for the feedback!

[@mx5reddwarf]

Will look for other informative vids, but what needs much explaining is how the income calculation works! Wouldn't that be the key to the amount of the credit for which you would qualify? Important and explanation would be most helpful!

[@iHealthBrokers]

We do actually have a video about MAGI: kzbin.info/www/bejne/fHfIpYekeLuUq6M In all honesty, for most people it is VERY similar (if not identical) to your AGI which is basically what you would submit when you file your taxes.

[@ItsAlwaysSkorpioSzn]

Can you explain "in network tier 1" & "in network tier 2"? What makes a provider or prescription tier 1 or 2? I don't see that info when I search for doctor's and meds. Love the channel!

[@iHealthBrokers]

Oh, that is a hard one because it really is up to the plan. A drug might be "tier 1" for one plan and "tier 2" for another. In network means covered. So, if you were to look on your plan's dug formulary, you should see the drug listed. Make sure to to get your prescriptions filled at an in network pharmacy! Tier 1 drugs will be less expensive than tier 2 drugs. These will usually be the generic versions, so always make sure to ask for a generic if available.Thank you for your question!

[@jeffreym3233]

So we’ll explained! Thanks for helping us!

[@iHealthBrokers]

So glad the video was helpful! Thanks for your comment!

[@aztecforlife7360]

This video is so helpful. Thank you!

[@iHealthBrokers]

So glad to be of help! Best of luck!

[@cameronbarakat1635]

Whoever you have answering your phone is extremely rude. Told me first available. Appointment is a week away. Said that I was still interested in setting the appointment but I am in a hurry so I would be shopping around. She told me that she would not waste her time booking me.

[@iHealthBrokers]

I am so sorry that you did not have a good experience. We have excellent reviews for our customer service.

[@travismaxwell9805]

People should have to watch this video to be eligible for coverage.

[@iHealthBrokers]

Thank you for your kind words!

[@purplemoose6431]

Can you explain what money is considered income as it relates to qualifying for these plans ? i.e. social security, ira withdrawals , or is it only income derived from employment ?

[@iHealthBrokers]

Social security and IRA withdrawals would count towards your MAGI. It is not only income derived from employment. For example, rental and investment income also counts towards your MAGI. You can learn more here: www.healthcare.gov/income-and-household-information/income/ Thanks for your question!

[@purplemoose6431]

@@iHealthBrokers ty

[@iHealthBrokers]

@@purplemoose6431 You're very welcome! Best of luck!

[@LeoSS570]

Thank you for sharing this information. I have a question regarding purchasing insurance for myself and my spouse in Texas through the Marketplace. I estimated our annual income to be between 25-30 K, which might qualify us for a large rebate. However, I am wondering what will occur if our income ends up being below the minimum threshold required to qualify for the ACA rebate, such as under 15 K by the end of the year. Thanks

[@iHealthBrokers]

That is a great question. Right now many plans are available with no monthly premium due to the large premium tax credits available. If your overestimate, you may end up with a larger refund when you file your taxes. If you have an accountant you regularly work with, they may able to give you more specific guidance.

[@htown148]

They don't care

[@KatieRomrell]

Thank you so much for this info! This clarified so many things for me :) I'm needing to enroll for 2023, and I love the thought of having a broker help me through this, but I admit that I get a little nervous when I don't know where services are getting money from. If I don't need to pay to use your services, who does pay for the service? Is there a point at which I would have to start paying money? Thanks for whatever info you can provide!!

[@iHealthBrokers]

Completely understandable. Regardless of whether you enroll in a plan with a broker, an agent, or healthcare.gov, your premium remains exactly the same. There is a commission that is already included in your premium. That will either be paid to the insurance carrier or a broker based on how you enroll. However, regardless of your method of enrollment, your premium will not increase or decrease. It remains exactly the same. That being said, ***some brokers charge an additional fee for their services. We do not. Regardless of who you choose, please make sure to do your research and read the company's reviews to ensure you are receiving 5 star service! Best of luck and thank you for your question!

[@makotonarukami7468]

I'm still confused, I am a single male in his 30's who makes about $11,000-$15,000 a year....and I saw these numbers on my Estimated Monthly Premium for plan selection and there are in the $300+ range....and I am questioning "Do I pay that $300 a month?" but I make sooooo little money....I thought Healthcare.gov was suppose to help me get very close to free healthcare? Like...$20-50 per visit, and that's that...and if I get a prescription, I pay for it. I still don't understand....I am not going to pay $300 every month for health insurrane. I pay $500 for rent, and if I end up paying $300 for health care a month....that leaves me with $100-$250 a month to spend on food, and the meds that I will get....how the heck do I save money? Minus my phone bill.....$100-$190 a month that leave me for food...wait...the bus....that leaves me about $50-$75 for food....this makes no sense....I never was on food stamps....do they want me on food stamps? I can't believe what I am seeing.....Health Insurrance is a big scam if you make very little income....it's stuff like this that make people do bad things in life to catch a break...holy crap.

[@iHealthBrokers]

@@makotonarukami7468 That seems high based on your income. You should definitely qualify for a better premium tax credit. If you have questions or need help, please feel free to give us a call at 888-410-0344. Something seems amiss and we'd like to try to help.

[@nosolar2023]

The insurance companies pay the brokers or agents a commission. This does not affect your premium

[@iHealthBrokers]

@@nosolar2023 Exactly so!

[@AnnSchneider-hg9rq]

Will these subsidies have to be payed back 1

[@iHealthBrokers]

Only if you end up making more than anticipated and become ineligible for the tax credit!

[@corinmaness8498]

Thank you for the information! Question for you: once you hit your out-of-pocket maximum, do you continue paying the monthly premium for the rest of the year?

[@iHealthBrokers]

You still need to pay for monthly premiums to keep your insurance active BUT you wouldn't have copays/coinsurance for covered in network services. Great question!

[@yenifergomez94]

The number on the premium let’s say 392 is that for 1 person or is that price for everyone on the family plan? If it’s one per person for the family would you be paying almost 1200 per month?

[@iHealthBrokers]

The price should be reflective of the information you put in. For example, if you entered information for just yourself, you would see the premium for one person based on the info you provided. If you entered information for a full household, the premium you would be see would be the premium for the whole family (family plan) for the month. Thanks for your question!

[@jackies_awesome3936]

Thank you for the information. Maybe you can help me find the best solution to my case. I live in California, I am currently 6 month pregnant and have no health insurance. My husband and daughters are covered through my husbands job. I work part time and I would like to get Kaiser. How do i get health insurance if my situation doesnt fall under "life event" and open enrollment is closed? Ps. Also the max a month we could possibly do is $300. What would be my best option?

[@iHealthBrokers]

This is a difficult case. Is there any chance you might qualify for Medicaid? If there is any chance, you may want to apply. If you are denied, you may be eligible for a special enrollment period for a marketplace plan. Check out this article: www.healthcare.gov/medicaid-chip/transfer-to-marketplace/ Please feel free to call us with any questions 888-410-0344

[@jackies_awesome3936]

@iHealthBrokers thank you for your help! 😊 I'll definitely check that out.

[@iHealthBrokers]

@@jackies_awesome3936 Best of luck!

[@shahnazjan6052]

Last year we had Florida blue. This year we have silver plans ambetter. Can you explain some of the benefits of this plan for me please? How much out of pocket for regular dr visits, emergency room, specialist services. Thank you

[@Letmetellu4842]

Ambetter sucks I hear. I’m looking to change

[@Camelotsmoon]

How did you get a $0 a month premium? I put in that I'm 30, in Florida and I don't have any income and the cheapest that comes up is $188.. I'm unemployed and I need therapy. Why does this have to be so damn confusing, I don't get it. Is it because I'm single with no dependants? The last time it didn't matter. Like 3 years ago my maximum premium was $30 for BCBS when I was in this situation. Just throw all this away and have medicare for all, the healthcare in this country is a complete mess and isn't even made for actually providing healthcare.

[@LynxStarAuto]

Step 1 get a job... Step 2 pay some taxes... Step 3 reap the fruits of your labor.

[@Camelotsmoon]

@@LynxStarAuto .uoy llik emoc lliw I ?uoy era erehw

[@iHealthBrokers]

In the example in the video, I did put in dependents. Your premium tax credits is determined by your income and household size. So, while that could be a factor, if your income is $0, it seems odd that your least expensive plan is $188. Unfortunately, I can't really answer the question without seeing what's happening on your end...Could you please give us a call at 888-410-0344 or email us at [e-mail]? We will try to help you get to the bottom of this!

[@Camelotsmoon]

@@iHealthBrokers I ended up finding a solution, I appreciate the reply. Seeing as I live in Florida where Medicaid was never expanded, I don't qualify for Medicaid and I only qualify for marketplace if I make just above poverty level (which is $13,900)... I just have to lie on marketplace to get any credit because making nothing-$13,899 yearly isn't enough... All I wanted was to see a psychologist to help me put my life back together and everyone has to make this difficult it seems.

[@iHealthBrokers]

@@Camelotsmoon Glad you were able to find a solution. Best of luck to you!

[@dannystiasny3891]

thank for your help

[@iHealthBrokers]

You are very welcome!

[@tirainesway4147]

Be careful. I was enrolled. Stopped paying be cause in past years rhey didn't automatically enrolled you. Thought I could do the same. The government kept paying for me without my knowing.Theydid not reach out to me .Long story .Now I owe thousands of dollars back to the irs. I don't want the same for you. You have to stay on it if you stop it. Call every year to make sure they didn't auto sign you up! Stay blessed ❤

[@jhoanadiaz8960]

Hello, I would like to know when the deadline for marketplaces insurance is? Thanks in advance.

[@teelowe29]

Tomorrow

[@iHealthBrokers]

It is January 15th in most states.

[@edwardreichard3852]

My daughter is 12 months pregnant, and needs health insurance what I her best option?

[@iHealthBrokers]

Unfortunately in most states being pregnant does not qualify you for a special enrollment period (although having a baby does). Marketplace enrollment is around the corner, but her coverage still would not be active until January. Short term medical plans also do not cover pregnancy. Her best options would be pregnancy medicaid offered in some states or employer group health insurance.

[@alexmarenco1274]

Any opinions on Blue shield vs Kaiser P Silver HMO's,I qualified for CSR.I live in CA.

[@iHealthBrokers]

Hi Alex. I wish I could give you a definite answer, but there just isn't one without knowing more information. If depends on the county in which you live, doctors you see, medications you take, etc... There are definitely many plans that are "better" plans than others, but you have to take your specific needs and circumstances into consideration. If you'd like, you can call us at 888-410-0344 or email at [e-mail]. If you can answer a few short questions (that we'd rather not ask in this public KZbin forum!) we can point you in the right direction!

[@shahnazjan6052]

Ca is a great place to live. I know everything is very expensive but having medical is the best. I wish I didn’t move to this stupid high insurance place (Florida)😢

[@RNCardiac]

Will there be problems if you apply for marketplace insurance even though your company offers a health insurance which is way more expensive than the marketplace plan?

[@iHealthBrokers]

That is a great question. So under the ACA, if you have insurance that is deemed "affordable" then you would not be eligible for premium tax credits on the marketplace. In 2023, a job-based health plan is considered "affordable" if your share of the monthly premium in the lowest-cost plan offered by the employer is less than 9.12% of your household income. You can learn more here: www.healthcare.gov/glossary/affordable-coverage/ Now, that is just for an individual. many people fall into the "family glitch". Steps have been taken to address this, but it is far from perfect. We have a video about here: kzbin.info/www/bejne/f2esmHaZbrOtias

[@AnilReddy-tpt]

Thank you

[@iHealthBrokers]

You are very welcome!

[@biggfoot52]

Help, here is my situation, household of 2, only 1 income, current employer sponsored insurance =800 per month with both in household. How can I remove one person from company insurance that will reduce monthly to 160 and get separate insurance for other household member.

[@iHealthBrokers]

Hi Brian. I just saw your other message. So sorry you find yourself in this predicament. Here is my other message: Sounds like you are one of the many people who has fallen victim to the "family glitch". You can check out our video with updates on the recent "fixes" to learn more: kzbin.info/www/bejne/f2esmHaZbrOtias. That being said, you would likely need to wait until the next enrollment period with your company to make changes. Try speaking to your HR department to find out when you can make those changes. At that time, you should be able to enroll your spouse in a marketplace plan through a SEP.

[@Khanlala75013]

My wife is a stay at home mom, while I work and get insurance through my employer. Can she still apply and get subsidy tax credits?

[@iHealthBrokers]

That is a great question! Until recently, the answer would have been no due to the "family glitch". However, this has recently been fixed! Check out this video to learn more: kzbin.info/www/bejne/f2esmHaZbrOtias

[@pbabski1144]

Why do people who qualify for tax credits have to take a silver plan? What will happen if I go for bronze due to a lower premium?

[@iHealthBrokers]

You absolutely do not HAVE to take the silver plan. There are just additional cost incentives offered if you do. If a bronze plan works better for your needs, you are still able to choose a bronze plan and your premium tax credits will still be applied. Thanks for your question!

[@mfairley100ify]

All the healthcare plans on the marketplace is useless. They are offering the worst insurance and medication cost, specialist, pcp and urgent care co pay have went sky high.

[@iHealthBrokers]

So sorry that you haven't been able to find a good plan. It can definitely be challenging. Have you thought about short term medical plans instead? If you are ineligible for premium tax credits, you may want to look into STM as an alternative.

[@sudilos1172]

she looks just like Blaire white! she needs an istagram account!

[@iHealthBrokers]

Well... iHealthBrokers does have an IG account if you want to follow us there! 🤣

[@mrnjo7]

Sorry Dear darling Sarah ,can't keep watching the video because you're feminine qualities are activating my serotonin and adrenaline ! Your smile and sweetness is overwhelming ! God bless you doll . Your friend as always !

[@thyhandrevolve]

Quick! Somebody grab a garden hose & spray Pepé Le Pew over here with some cold water 💧 🤨