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Acosta Insurance Group, Inc. Blog

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There are five levels of coverage in the marketplace. They are sometimes referred to as metal levels or levels of generosity. The levels are catastrophic, bronze, silver, gold, and platinum. Insurance companies are not obligated to offer plans in all five levels, but they must offer a silver and gold health plan in the marketplace. READ MORE >>

Health care reform is an issue that has divided this country. It’s an issue that forces us to balance the personal freedom that defines this great nation and the social obligation of every country. Today, however, the time for debate is over. The law was passed. READ MORE >>

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Determining your Household income under the Affordable Care Act   In order to determine your household income, you first need to figure out your Modified Adjusted Gross Income (MAGI). All states are now required to use modified adjusted gross income to determine eligibility for the subsidy under the Affordable Care Act. READ MORE >>

Guaranteed Issue All health insurance carriers are now required to offer all of their individual market and group market plans to everyone in the state. Health insurance carriers are also required to accept any individual who applies for a policy, as long as the individual pays the premiums and follows the terms and conditions of the policy. READ MORE >>

The Affordable Care Act requires that health insurance plans offered in the individual and small group markets, both in and out of the Marketplaces, offer a comprehensive package services known as essential health benefits. It also requires that these essential health benefits do not discriminate based on age, disability or expected length of life. READ MORE >>

The Individual Mandate: Questions you need answered. What is the individual mandate? The individual mandate, also known as the “shared responsibility” provision, requires everyone to have health insurance or potentially pay a penalty for noncompliance. READ MORE >>