Rod Kamuf

According to Enroll America, close to 80 percent of uninsured adults still do not understand the health insurance options available to them in 2014. The time to purchase Florida insurance on exchanges is approaching quickly. Making sure these residents understand how it works will become a huge task. Health insurers plan on spending millions of dollars for advertisements that explain their plans. The federal government is also launching several multi-million dollar campaigns that will hire people for door-to-door walks, target social networks, use phone apps, collaborate with libraries, partner with mayors, etc. Even local nonprofits and health clinics have joined…

Affordable Care Act The Affordable Care Act, also known as “Obamacare,” has recently been given a year extension that now forces employers to provide health insurance for their employees by Jan 1, 2015. Going into more detail, Obamacare will force business owners who hire more than 50 “full-time equivalent” workers to provide government-approved health insurance for each of their employees. Those who fail to do so will have to pay a tax of $2,000 per worker and if employers establish a waiting period to get into the plan, an additional tax of $400-to-$600 per employee will be fined as well….

The Obama administration’s decision to delay the Affordable Care Act health insurance mandate on employers decreased some of the leverage advocates of expanding Medicaid in Florida had on lawmakers, but it certainly won’t put a stop to the debate. On July 3rd, House Republicans cast the one-year delay as evidence that lawmakers should be concerned about the consequences of the law, which they claim is deeply flawed. Meanwhile, supporters of Medicaid expansion said the decision of the federal government shouldn’t affect deliberations in Florida. Businesses need additional time to comply The Obama administration announced the yearlong setback Tuesday, stating businesses…

Under the Affordable Care Act or Obamacare exchanges were created which allowed for consumers to shop for health plans online. Each state like Florida had the option of creating their own exchange or having their citizens use the federal exchange. Along with the state exchanges and federal exchange, private companies were also allowed to create exchanges. These exchanges allowed for citizens to receive health subsidies as long as they met certain financial requirements and the health plans offered met certain ACA standards. So what do exchange plans have to offer? Plan Requirements Exchanges can vary from state to state but…

Under the Affordable Care Act – otherwise known as Obamacare – employers must begin insuring their employees in 2014. The Act will create exchanges to allow businesses to compare health care plans, find answers to questions, and enroll in health plans or offer them to their employees. To aid small businesses, the government has created the SHOP (Small Business Health Options Program) exchange for the self-employed and  companies with fewer than 100 employees who are looking to buy insurance. SHOP (Small Business Health Options Program) Employers with 50 or more employees working at least 30 hours per week could face…

The Affordable Care Act was passed in 2010 and since then several changes have been taking place while many more are still to come in 2014. Take for instance, the individual mandate which rules that all individuals must have insurance coverage beginning in 2014 or face a tax penalty. Many Americans are uninformed regarding the new health law and do not completely understand how the changes will affect them. One major provision of the ACA is meant to help make insurance more affordable to individuals and families in the middle class through tax subsidies. A CNN Money article stated that…

Health Savings Account Are you considering an HSA or some other type of flexible spending account for your FL group health insurance? Do you know how and why these plans were created? To really understand the advantages of a flexible spending account you must first understand the concept behind consumer driven health care. Today, many small business owners are turning to consumer driven health insurance like HSAs to help bring down the cost of providing health insurance coverage to their employees. After all we know the advantages of offering these benefits but the expense is often a major road block….

Have you seen the cost of health care in the United States recently? No wonder the government has decided to insist on health insurance coverage for everyone! Luckily for us, finding and obtaining an affordable quote for FL health insurance plans is a quick and relatively painless process at RK Asset Management. The only real problem is buying a health insurance plan can still be expensive so here are a few things I have learned for getting the best deals. 1) Deductible: Choose one you CAN pay. When it comes to insurance of any kind, the amount that you choose…