The Biden-Harris Administration is taking steps to protect consumers from being misled into buying low-quality health insurance, often referred to as "junk insurance." These actions aim to prevent insurance companies from offering plans that discriminate against people with pre-existing conditions and provide inadequate coverage when it's needed most. By closing loopholes, families can avoid hefty health care bills.

 Short-term, limited-duration insurance (STLDI) is meant to cover temporary gaps in coverage, but it's not subject to important protections under the Affordable Care Act (ACA). The new rules will limit these plans to only four months, instead of allowing them to stretch up to three years.

 Insurance companies must now be upfront about what their plans offer. Clear notices will be required on marketing and enrollment materials for short-term plans and fixed indemnity policies, which provide a fixed cash payment for medical events. This helps consumers make informed decisions and prevents them from mistakenly choosing these plans as substitutes for comprehensive coverage.

Health and Human Services Secretary Becerra stated, "HHS is cracking down on junk insurance plans to help consumers make informed choices and avoid mistakenly paying for a plan that does not provide them the coverage or protection they expect."

CMS Administrator Chiquita Brooks-LaSure added, "By increasing consumer understanding of short-term, limited-duration insurance and fixed indemnity excepted benefits coverage and making short-term plans truly short term, people will be more informed about the risks associated with these types of coverage and their options for comprehensive coverage."

These actions aim to ensure that Americans have access to high-quality, affordable coverage, providing peace of mind and protection against unexpected medical costs.

Shop the health marketplace today with a licensed insurance advisor.

Biden-Harris Administration Acts to Stop "Junk Insurance" Scams and Lower Health Costs

Semaglutide is found in most of the trendy weight loss drugs we see on the market today. This drug helps with weight loss by 4 main tactics:

1. Controlling Hunger: It tricks your body into feeling full for longer after meals. This means you're less likely to snack or overeat.

2. Slowing Down Digestion: It slows down how quickly your stomach empties, so you feel satisfied for a longer time after eating. This can help you eat less overall.

3. Reducing Appetite: It affects parts of your brain that control hunger, making you less likely to feel hungry or crave unhealthy foods.

4. Burning Fat: It helps your body burn stored fat more efficiently, which can lead to weight loss over time.

Overall, semaglutide is like a helpful teammate in your weight loss journey, making it easier to eat less, feel full longer, and shed extra pounds.

Speak directly to a licensed insurance advisor.

What is Semaglutide?

Many people are frustrated over the fact they cannot get their prescription filled for multiple weight loss drugs. This is causing significant concern for many people who are needing to lose weight for medical reasons.

But why is there a shortage for weight loss drugs such as Wegovy and other brands?

It has to due with semaglutide, which is the active ingredient in Wegovy, and the shortage is due to various factors common in pharmaceutical supply chains:

Manufacturing semaglutide or any drug can face challenges such as equipment malfunctions, contamination issues, or regulatory hurdles that may disrupt supply.

 If there's a sudden surge in demand for Wegovy or semaglutide, it could strain the supply chain, leading to shortages. This might happen if there's a sudden increase in prescriptions or if the drug gains popularity for off-label uses.

 Any disruption in the global supply chain, such as transportation issues, raw material shortages, or geopolitical tensions affecting trade, can lead to shortages of pharmaceutical products.

 Regulatory changes or requirements can sometimes lead to delays in production or distribution, affecting the availability of drugs like Wegovy.

Pricing changes, patent issues, or changes in reimbursement policies can affect the supply of pharmaceuticals.

Hang tight and don't give up hope! There are many more pharmaceutical companies looking to produce similar drugs that should be on the market soon.

Wegovy Drug Shortage for Weight Loss

Navigating the private v. marketplace health insurance landscape is not for the faint of heart. It can be very confusing, but we are here to help. RateQuote licensed agents are able to compare benefits across both private and marketplace health plans to find what works best for you.

Private health insurance and marketplace health insurance are two different options for obtaining health coverage, and they have some key distinctions:

This term generally refers to health insurance plans that are not offered through government programs. These plans can be obtained through private insurers and may be provided by employers or purchased individually.

Private health insurance can be purchased directly from insurance companies, brokers, or through employer-sponsored plans. Eligibility criteria and plan options may vary.

Private offers a wide range of plan options, including employer-sponsored plans, individual plans, and family plans. The coverage and costs can vary significantly based on the specific plan

Private costs depend on the specific plan and insurer. Employers often contribute to the cost of employer-sponsored plans. Individual plans may have higher premiums, and there might be fewer options for financial assistance.

Also known as the Health Insurance Marketplace or Exchange, this is a platform created by the government where individuals and families can compare and purchase health insurance plans. These plans may be provided by private insurers but are offered through the marketplace.

Marketplace health insurance is available to individuals and families who qualify during the open enrollment period. The marketplace often provides subsidies and tax credits to help make insurance more affordable for those with lower incomes.

Marketplace provides standardized plan categories (Bronze, Silver, Gold, and Platinum) with essential health benefits. These plans are designed to facilitate easy comparison.

Marketplace offers subsidies and tax credits for eligible individuals and families, based on income. These can significantly reduce the out-of-pocket costs for premiums and other expenses.

When deciding between private health insurance and marketplace health insurance, it's essential to consider your individual needs, budget, and eligibility for subsidies or tax credits.

Be sure to reach out to a licensed agent to get all your questions answered.

Call today for a no obligation quote across the private and ACA marketplace.

Private v. Marketplace Health Insurance Plans

Losing your job can be a challenging situation, but there are options available for obtaining health insurance coverage. Here are some steps you can consider:

COBRA (Consolidated Omnibus Budget Reconciliation Act):

 COBRA allows you to continue your employer-sponsored health insurance plan for a limited time after losing your job. However, you'll likely have to pay the full premium, including the portion your employer used to cover. Make sure to inquire about COBRA coverage with your former employer's HR department.

 You can explore the Health Insurance Marketplace (Healthcare.gov in the United States) to find and enroll in a new health insurance plan. Losing your job is considered a qualifying life event, allowing you to sign up for a new plan outside of the usual open enrollment period. You may also be eligible for subsidies based on your income.

 Depending on your income, you may qualify for Medicaid, a government program that provides health coverage to low-income individuals and families. Eligibility varies by state, so check your state's Medicaid program to see if you qualify.

 Some states have their own health insurance programs or assistance for those who have lost their jobs. Check with your state's health department or insurance website for information on available programs.

 If your spouse has health insurance through their employer, you may be eligible to join their plan. Losing your job is usually considered a qualifying event that allows you to enroll outside of the usual enrollment period.

 Short-term health insurance plans are designed to provide temporary coverage. While they may not offer comprehensive coverage, they can help bridge the gap until you find a more permanent solution.

Professional Organizations or Associations:

 Some professional organizations or associations offer group health insurance plans to their members. Check if any groups you belong to provide health insurance options.

 Community health centers often provide healthcare services on a sliding fee scale, and they may have programs to assist individuals in obtaining health insurance.

Before making any decisions, carefully compare the costs, coverage, and benefits of different options. It's advisable to consult with a certified insurance broker or a healthcare navigator who can help guide you through the available options based on your specific circumstances and needs.

Call today for a no obligation quote from the marketplace.

How do I get health insurance if I lost my job?

If you are currently on COBRA (Consolidated Omnibus Budget Reconciliation Act) coverage and wish to switch to a private marketplace health insurance plan, you can typically do so during the Open Enrollment Period or through a Special Enrollment Period (SEP) triggered by a qualifying life event. Here are the steps you can consider:

1. **Wait for Open Enrollment:**
- Open Enrollment is a specific period during which individuals can enroll in or make changes to their health insurance plans for the upcoming year. This period usually occurs annually.
- Check the dates of the Open Enrollment Period for the private marketplace health insurance plans. This information is usually available on the official marketplace website or through relevant government agencies.

2. **Qualifying Life Event:**
- If you miss the Open Enrollment Period, you may still have the option to switch during a Special Enrollment Period if you experience a qualifying life event. Common qualifying events include marriage, the birth or adoption of a child, loss of other health coverage, or a change in residence.
- If you experience a qualifying life event, you typically have a limited time window (60 days) to enroll in a new health insurance plan through the private marketplace.

3. **Research and Choose a Plan:**
- Before enrolling in a private marketplace health insurance plan, research different plans to find one that meets your needs in terms of coverage, network, and cost.
- You can use the official marketplace website or work with a licensed insurance broker to explore available options.

4. **Enroll in the New Plan:**
- Once you have chosen a plan, you can enroll through the private marketplace during the Open Enrollment Period or within the specified timeframe after experiencing a qualifying life event.

5. **Notify Your COBRA Administrator:**
- If you decide to switch from COBRA to a private marketplace plan, inform your COBRA administrator of your decision to cancel your COBRA coverage. Keep in mind that you need to coordinate the timing to avoid any gaps in coverage.

It's important to carefully review the terms and conditions of both COBRA coverage and the new private marketplace plan before making any decisions. Additionally, regulations and procedures may vary, so it's advisable to consult with a qualified insurance professional or contact the marketplace for guidance specific to your situation.

Switching from COBRA health insurance to Private health insurance.

What is this SEP acronym and does it apply to me?

SEP stands for "Special Enrollment Period." In the context of health insurance, a Special Enrollment Period is a time outside of the regular Open Enrollment Period during which individuals and families may be eligible to enroll in or make changes to their health insurance coverage. Special Enrollment Periods are typically triggered by certain qualifying life events, such as:

 Changes in marital status can often qualify individuals for a Special Enrollment Period.

 The addition of a new family member can be a qualifying event.

 If an individual loses coverage from another source, such as employer-sponsored insurance, they may be eligible for a Special Enrollment Period.

 Moving to a new area where different health plans are available may trigger a Special Enrollment Period.

 Significant changes in income or household status may make someone eligible for a Special Enrollment Period.

These are just a few examples, and the specific criteria for qualifying events may vary. During a Special Enrollment Period, individuals can enroll in a health insurance plan or make changes to their existing coverage outside of the usual Open Enrollment Period. It's important to note that proof of the qualifying event is often required when applying for coverage during a Special Enrollment Period.

It's always best to speak to a human when it comes to whether you or your family qualify under an SEP event, don't hesitate to reach out to a licensed RateQuote agent at 888-705-0122.


What does SEP mean and do I qualify?

Open enrollment for health insurance in the marketplace has been extended to January 16th, 2023!

Due to a federal holiday healthcare.gov has extended enrollment deadline by one day to January 16th.

Great news for those procrastinators out there or for those who want to review their current benefits to ensure they have the best coverage for themselves and their family!

Call today to enroll in new insurance or review existing insurance, last day to make changes! 

Call to speak to a licensed advisor: 844-693-0696

Health Insurance Extension to January 16th!

Open Enrollment Extends to January 16th

Obtaining any prescription medication, whether through a traditional in-person doctor visit or a telehealth service, involves certain risks and considerations. Here are some points to consider when comparing the risks associated with getting Ozempic or other prescription medication from a doctor versus a telehealth service:

1. **Face-to-Face Interaction:** In-person visits allow for direct, face-to-face interactions with a healthcare professional, which may facilitate a more comprehensive understanding of your medical history and symptoms.

2. **Physical Examination:** A traditional doctor's visit may include a physical examination, which can be important for a comprehensive assessment of your health.

3. **Access to Medical Records:** In-person visits often provide doctors with access to your complete medical records, offering a more holistic view of your health history.

4. **Established Relationship:** Seeing the same doctor regularly allows for the development of an ongoing relationship, enhancing continuity of care.

**Risks Associated with In-person Visits:**

1. **Time and Convenience:** In-person visits may be more time-consuming and less convenient, particularly for individuals with busy schedules or mobility issues.

2. **Limited Access:** People in remote or underserved areas may face challenges in accessing specialized healthcare services.

1. **Convenience:** Telehealth services offer the convenience of obtaining a prescription from the comfort of your home or any location with internet access.

2. **Accessibility:** Telehealth can improve access to healthcare, especially for individuals in rural or underserved areas who may have limited access to in-person services.

3. **Efficiency:** Telehealth appointments are often more time-efficient than traditional in-person visits.

**Risks Associated with Telehealth Services:**

1. **Limited Physical Examination:** Telehealth consultations may lack a physical examination, which could be a limitation for certain medical assessments.

2. **Privacy and Security Concerns:** There may be concerns about the security and privacy of personal health information transmitted over online platforms.

3. **Lack of Personal Connection:** Some individuals prefer the personal connection and rapport developed through in-person interactions with their healthcare provider.

4. **Continuity of Care:** Telehealth services may involve different healthcare providers for each session, potentially impacting the continuity of care.

Before choosing between an in-person visit and a telehealth service for obtaining Ozempic or any prescription, it's important to consider your individual health needs, preferences, and any specific risks associated with your medical history. Always ensure that any telehealth service you use is reputable, compliant with healthcare regulations, and employs licensed healthcare professionals. Discussing your options with your primary care physician can provide valuable insights tailored to your specific health situation.

Ozempic prescribed by telehealth v. doctor

Risks and Rewards of In-Person v. Telehealth Doctors Visits

Access to quality healthcare is a cornerstone of a thriving community, and enrolling in the Health Insurance Marketplace is a crucial step toward ensuring you and your family have the coverage you need. As the landscape of healthcare evolves, understanding the enrollment process becomes increasingly important. In this article, we'll guide you through the key steps and considerations when enrolling in the Health Insurance Marketplace.

The Marketplace offers a variety of health insurance plans, each with its own coverage options, costs, and benefits. Take the time to carefully review and compare plans to find one that aligns with your healthcare needs and budget. Consider factors such as monthly premiums, deductibles, co-payments, and the network of healthcare providers.
Certain life events may qualify you for a Special Enrollment Period, allowing you to enroll outside the standard open enrollment period. Qualifying events include changes in household size, income, or the loss of other health coverage. Be sure to check your eligibility for special enrollment to take advantage of these opportunities.
Before enrolling, gather essential information such as social security numbers for all members of your household, income details, and information about any existing health coverage. Having these details on hand will streamline the enrollment process and ensure accurate information is provided.

Navigating the Health Insurance Marketplace can be complex, but you don't have to go through it alone. Certified enrollment counselors, insurance brokers, and healthcare navigators are available to provide assistance. They can answer your questions, guide you through the application process, and help you understand your coverage options.

Enroll in Health Insurance with Confidence