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Individual Health Care​ #obamacare

Health Care in Florida has become a big issue.  With all the changes in the Health Reform laws, it is important that your agent has a full knowledge of the laws.  Here at LTDT Insurance, we keep up with all the changes. Whether you are looking for an off or on market place plan, we are here to find the best solution to your needs. 

We specialize in helping you find the right plan that best suits your needs.  

Individual Health Plans  

The first thing we will need to determine is:

     1.    Are you eligible for a subsidy through the Market Place?

     2.    If Yes, we will…

           a.   guide you through the Market Place and apply for the government subsidy.

           b.   see which plan is best for you.

           c.   enroll in a plan for you and your family.  

     3.    If No, you can choose a plan that is best suited for you and your family off the Market Place.  

You can visit us, call us, or screen share via a computer where you can see the entire process as we work on it together.  


Here are the TOP 5 QUESTIONS about buying a 2018 health plan:

1- Do I still need to buy health insurance?

Yes. The Affordable Care Act is still the law of the land. You should purchase a 2018 plan to make sure you have coverage for wellness checkups, doctor visits, and hospital care. Remember, you’ll still pay a fee or penalty if you go without coverage.

2- Do I still need to buy health insurance?

Yes. This year you have less time to enroll or change plans: December 15 is the deadline. If you miss it, you may need to wait until 2019 to get coverage or make changes. For 2018, you may have new health plan options available to you. Let LTDT Insurance help you find a plan that meets your needs and budget.

3- Will I still be able to see my regular doctor? How much will it cost me?

It depends. Who you see and how much you’ll pay really depends on the plan you choose. When considering your options, you should ask about the costs for visits, and which doctors, hospitals, and pharmacies are in the network.

4- I’ve read that several health insurers are leaving the Marketplace. Do I need to be concerned?

Yes, if one of those insurers is yours. If they are leaving the Marketplace, your plan will likely be canceled, ultimately leaving you without health care coverage. You will need to choose a plan that is available. 

5- Will I still be able to get financial assistance to help pay my monthly premium?

Yes. You can continue to get financial assistance based on the 2018 eligibility guidelines.  LTDT Insurance can help ensure your Marketplace application is up to date, so you can get the tax credit you qualify for and help lower your 2018 monthly payment.

Bussiness Health Insurance

How much does group health insurance cost?

The insurance company will determine the final monthly cost for your group health insurance plan once your application has been reviewed and approved. The insurance company will assess your group using a number of criteria, including the size and location of your company and the ages of your employees, to arrive at the final monthly rate, or premium. As part of the Affordable Care Act, the health of your employees, including pre-existing conditions, no longer impact group health insurance rates. Please note that your final monthly rate will be the same whether you apply through LTDT Insurance, another health insurance agent, or directly with the insurance company.

How does Obamacare impact small businesses?

Under the Affordable Care Act (also known as "Obamacare"), businesses with fewer than 50 full-time-equivalent employees aren't required to provide health insurance to their employees and won't face tax penalties for not doing so.

Small business employers may receive tax credits when they provide coverage, as follows:

  • Employers with 25 or fewer employees with average annual wages of less than $50,000, may be eligible for a special tax credit of up to 50% of the amount the     employer contributes (at least 50%) toward employee insurance premiums. 

Whether you offer health insurance to employees or not, it is absolutely critical that you make your employees aware of their obligation to seek health coverage under the Affordable Care Act. And, you have to let your employees know that they have access to guaranteed coverage in the individual market, and that they may be eligible for government subsidies if the coverage you provide them is not deemed to be affordable under the law.

Beginning in 2015, businesses with the equivalent of 50 or more full-time employees must provide "affordable" health insurance or pay a tax penalty.


Who qualifies for group health insurance?

Your company will probably be eligible for a small business plan if it meets the following criteria:

  • Your company consists of at least two full-time owners, officers, partners, and/or employees, as verified by officially filed state quarterly wage and tax statements or annual federal tax return documents.
  • Your company is a legitimate business entity (i.e., your company was formed for a purpose other than to obtain insurance), as verified by one of the following documents:
           -  A business license or fictitious name filing (for proprietorships and partnerships)
           -  Articles of incorporation (for corporations)
           -  Articles of organization (for limited liability companies)
  • Your company meets the minimum employer contribution percentage set by the insurance company.

Please note that eligibility criteria may vary among insurance companies and by state. If you have any questions about your company's eligibility for a particular small business plan, please call  LTDT Insurance  (239) 260-1060   for more information.