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What are the penalties/alternatives for Not Signing up for the ACA(Obamacare)?

A)  The penalties for not signing up for an ACA compliant plan or having an existing policy prior to January 1st 2014 is $95 or 1% of your income whichever is greater.

What are the alternatives if you didn’t want a plan like this?

If you wanted to save money you could always go with a short term medical plan.  These are offered through Golden Rule, Assurant and Health Insurance Innovations.   These are NOT major medical plans and are not meant to cover pre-existing conditions.  They are however quite affordable and offer some protection.   In addition we can always add a critical illness and accident policy to strengthen the benefits.

If you have any questions do not hesitate to call me at 561.637.8162.

Evan Tunis is with FloridaHealthcareInsurance.com, one of the leading providers of Florida health insurance quotes. To learn more about Florida health insurance, visit http://www.floridahealthcareinsurance.com/ or call 561.637.8162.

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Tuesday, February 18th, 2014 Blog Posts Comments Off on What are the penalties/alternatives for Not Signing up for the ACA(Obamacare)?

What’s the lowest Priced Health Insurance in Florida?

A common question amongst potential clients are what is the lowest cost Florida Health Insurance in my area.  The answers vary;

That being said we have come up with charts of all of the various carriers in the Miami, West Palm Beach, Fort Myers, Orlando, and Jacksonville area and will be more then happy to share our answers with you.

If you are in need of new Florida Health Insurance or would like a quote please give us a call at 800.946.3157.

Evan Tunis is with FloridaHealthcareInsurance.com, the leading provider of Florida health insurance quotes. To learn more about Florida health insurance, visit http://www.floridahealthcareinsurance.com/.

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Friday, May 13th, 2011 Blog Posts Comments Off on What’s the lowest Priced Health Insurance in Florida?

Changes in Florida Health Insurance Continue to Occur

In Florida, sever health insurance carriers have already stopped offering maternity benefits and 2 year rate guarantees. At Florida Healthcare Insurance, we suspect premiums are going to begin increasing due to the risk being forced on the insurers.  As time goes on, we will see more changes.  The plans offered today will not look the same shortly.  The climate has changed dramatically. WE HAVE BEEN PREPARING for some time for this. We have positioned ourselves to do business ONLY with those A Rated Health insurance companies who are also prepared and positioned to survive the coming changes.
To learn more about Florida health insurance, visit Floridahealthcareinsurance.com.

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Monday, May 17th, 2010 Blog Posts Comments Off on Changes in Florida Health Insurance Continue to Occur

A Few Common Myths About Florida Health Insurance

Through out my work week I often here several myths that I always try to make my clients be aware of.  While I could spend all day at this I will only speak of the 1o that are most common.

1.   Since I am on a group plan my pre-existing conditions have to be covered!   FALSE.

If you are going from a group plan to an individual plan you will indeed have to go through underwriting.  Underwriting will look at your medical records and then make an evaluation if coverage will be offered.

2.  Every insurance carrier uses the same underwriting guidelines.  FALSE

Every carrier evaluates certain conditions quite differently.  Some use rate-ups, others exclusions.  This why it is  vital to speak with a licensed agent to make sure you know the underwriting for a particular carrier.

3.  I can be singled out for a rate increase if I am diagnosed with a pre-existing condition.  FALSE

Every carrier has rate increases each year but none raise rates simply due to a recent diagnosis.

Evan Tunis is with FloridaHealthcareInsurance.com, the leading provider of Florida health  insurance quotes. To learn more about Florida health insurance, Florida health insurance quotes, Florida life insurance, Florida life insurance quotes, Florida group health insurance visit Floridahealthcareinsurance.com.

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Thursday, September 10th, 2009 Blog Posts Comments Off on A Few Common Myths About Florida Health Insurance

How A Visit to your Doctor could make you Ineligible for Health Insurance.

Next time you are at the doctor’s office and he advises a RX drug make sure it is only needed out of necessity.

There are certain medications such as (Oxycontin, Coumadin, Metformin) that if show up on an MIB(Medical Information Bureau) hit you will be denied florida health insurance.

For more information please contact Evan Tunis at 800.946.3157 or email at evan@floridahealthcareinsurance.com

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Friday, September 4th, 2009 Blog Posts Comments Off on How A Visit to your Doctor could make you Ineligible for Health Insurance.

Reevalute Your Life Insurance

As retirement age approaches, it’s usually a good time to reassess your florida life insurance policies to see if your needs have changed.  Especially if your insurance premiums are high, you may be tempted to cancel the policy, take the cash surrender value, and enjoy retirement.  Before doing that, however, make sure there aren’t other uses for your life insurance policy, such as:

  • To leave a legacy to heirs-

Even if the money isn’t needed for your children’s support after your death, many people like the thought of leaving a large inheritance to their children or grandchildren.

  • To pay your grandchildren’s college expenses

With the rapidly increasing costs of college making it more and more difficult for parents to cover this cost, you might want to use an insurance policy as a college fund for your grandchildren.

  • To support adult children

There are a variety of reason why you might want to provide financial help to an adult child.  Perhaps your child is a doctor, but has significant debt from college.   Or your child might work at a job that doesn’t pay a substantial amount of money.

  • To help with long term care costs

Many individuals don’t purchase long term care insurance believing their spouse will take care of them.  However, when one spouse dies, there may not be anyone to take of the surviving spouse.  The proceeds of a life insurance policy can be used to provide long term care for the surviving spouse.

  • To optimize pension benefits

When retiring, irrevocable decisions about pension plan benefit payments must typically be made.  You could use the proceeds for a life insurance policy as a source of income for your spouse after your death.

To learn more about Florida health insurance, Florida health insurance quotes, Florida life insurance, Florida life insurance quotes, Florida group health insurance visit Floridahealthcareinsurance.com.

visit Floridahealthcareinsurance.com.

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Saturday, August 29th, 2009 Blog Posts Comments Off on Reevalute Your Life Insurance

Understanding The Difference between Life Insurance and Long Term Care

When thinking about retirement and estate planning two of the biggest things that are needed are life insurance and long term care.   But Just are the major differences and what does long term care cover?

Life insurance is meant as protection for a family.  Long Term Care Insurance is in many ways like life insurance as it protects the family from the crisis that occurs when a family member needs care.  Families are generally the first line of assistance when someone needs care.  The responsibilities of the family include physical, emotional as well as financially.

If you would like to learn more about long term care or life insurance please contact Evan Tunis, owner of Florida Healthcare Insurance at 800.946.3157.

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Tuesday, July 14th, 2009 Blog Posts Comments Off on Understanding The Difference between Life Insurance and Long Term Care

United Healthcare announces Lower Rates for Florida Health Insurance

While most health insurance carriers tend to raise there rates every quarter, United Healthcare has done the opposite, lowering there rates for Florida Residents.

Effective July 1, 2009, Florida clients who have:

  • Had medical coverage in the past 63 days, and
  • Would otherwise qualify for what is currently known as a Preferred rate class

Now qualify for our new Preferred I class “ with premiums 6% less than our current preferred rate class!

Additionally, select ZIP Codes in North Broward County will experience a 12% rate decrease!

To receive a quote please contact Evan Tunis, Owner of Florida Healthcare Insurance at 800.946.3157.

To learn more about Florida health insurance, Florida health insurance quotes, Florida life insurance, Florida life insurance quotes, Florida group health insurance visit Floridahealthcareinsurance.com.

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Wednesday, July 8th, 2009 Blog Posts Comments Off on United Healthcare announces Lower Rates for Florida Health Insurance

Florida Life insurance is affordable now, but that will not last

While the economy is down, consumers have a chance to pick up something that everyone should have in their personal finance toolkit for a great price right now: life insurance.

Rates on Florida term life insurance are lower then they have been in the last 15 years-but the bargains will soon be gone.

A few major carriers, including Prudential, raised rates starting at the end of last year.  Others are expected to follow their lead soon.

That’s a signal for action.

If you are in the market for a policy, you may get a better deal if you act now, rather than in a few months.  Also, if you have an older policy, it’s still possible for some consumers to get a lower premium by taking out a new florida life insurance policy.

You should have life insurance if you have a spouse or children or a home or a partner whose life would change dramatically if your income were suddenly not there.   To speak with a licensed represetative or to request a quote please contact Evan Tunis at 561.637.8162.

Evan Tunis is with FloridaHealthcareInsurance.com, the leading provider of Florida health insurance quotes. To learn more about Florida health insurance, Florida health insurance quotes, Florida life insurance, Florida life insurance quotes, Florida group health insurance visit Floridahealthcareinsurance.com.

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Sunday, June 28th, 2009 Blog Posts Comments Off on Florida Life insurance is affordable now, but that will not last

Maximum HSA Contribution To Rise In 2010

The maximum HSA contribution that can be made in 2010 for single coverage will be $3,050, up from $3,000 in 2009. The maximum HSA contribution for those with family coverage will rise to $6,150, up from $5,950.

Health Savings Account Enrollment Reaches Eight Million

Eight million Americans are covered by Health Savings Account (HSA)-eligible insurance plans, an increase of more than 31 percent since last year, a new census released today by America’s Health

HSA Owners: Satisfied With Their Accounts, Want To Keep Them As Savings Option For Americans

HSA owners are overwhelmingly satisfied with their accounts, and 91 percent believe such accounts should remain an option for Americans, according to a nationwide survey released today by OptumHealth Inc. Survey finds HSAs are used most by those making less than $75,000 a year.

Evan Tunis is with FloridaHealthcareInsurance.com, the leading provider of Florida health insurance quotes. To learn more about Florida health insurance, Florida health insurance quotes, Florida life insurance, Florida life insurance quotes, Florida group health insurance visit Floridahealthcareinsurance.com.

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Wednesday, June 10th, 2009 Blog Posts 1 Comment