Category Archives: Obamacare

PPACA Obamacare is coming in October

The PPACA , or Obamacare as it is known to many will be rolling out very soon. The legislation as most of us recall is very confusing, well over 1,000 pages in length, and has provisions that will be enforced by the IRS. The insurance premiums for many people will increase drastically while many others will qualify for subsidies that will lower their premiums considerably.

At AZSHIS, we have studied this legislation in great detail and have relationships with many carriers in Arizona that will be providing health insurance to those under the age of 65. Stay tuned for news about one of upcoming seminars that will provide information about Obamacare . We will also  enroll you  in a health insurance plan when they become  available this October.


Obamacare? Let’s See…


Can you get Obamacare?

This insanely complicated chart will tell you.

Posted by Sarah Kliff on March 20, 2013 at 9:26 am


Last week I posted a copy of the draft application for Obamacare benefits, which clocks in at a hefty 21 pages.

Consumer advocates and Wonkblog commenters had similar questions: Why on earth would the federal government create such a complex form to obtain a public benefit?

For me, at least, the flowchart below provides a bit of an answer. It comes from the National Association of Insurance Commissioners, which represents the regulators who oversee each state’s insurance market. It is an attempt to draw up the most basic, simple questions to determine eligibility for insurance subsidies or Medicaid.

You don’t have to spend much time with the chart to get that, it’s really not simple at all. (click here for a larger version).

naic flowchart

It can take as many as six questions just to determine an individual’s ability to buy insurance. An eight-question chain sorts out eligibility to eschew employer coverage and buy an individual plan with a tax credit instead.

In a way, this is a natural extension of the law’s structure. The Affordable Care Act grows two different insurance programs, Medicaid and the individual market. Information on income levels is needed to figure out who qualifies for which one.

The Obama administration isn’t collecting 21 pages of information for its own entertainment. It’s collecting 21 pages of information to figure out where people land on this flowchart.

Avoid Junk Insurance/ Obamacare

If you think you’re having trouble choosing between an HMO, PPO, HSA or any other assortment of acronyms, imagine adding another layer of difficulty. That’s right; the Affordable Care Act (better known as Obamacare), is about to go into its final and most important stage of implementation. This means that within the next year, the individual mandate will go into effect and everyone will need to get health insurance. People who are on employer-sponsored plans or existing individual plans will not need to change anything, but thanks to state-based “healthcare exchanges,” it will become a lot easier for the uninsured to find affordable Arizona health insurance.

Ever since Obamacare became the “law of the land” and all hope of its repeal faded away, states have been taking a more serious approach to its implementation. It didn’t take the reelection of President Obama for Arizona lawmakers to realize that it would be upheld. That decision was made when the Supreme Court ruled that the mandate in the Affordable Care Act was “constitutional.” But whether you oppose or approve the law is less important than whether you understand its impact on your life.

According to one article from the Tucson Citizen earlier this year, “Obamacare saves Arizona consumers $27.9 million,” the Affordable Care Act’s 80/20 rule will result in millions of dollars in rebates from insurance companies. While they only average $118 per family, 414,000 Arizona residents are currently eligible for the rebates.