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Q & A: Can I buy medical insurance when Exchanges are closed?

Jan 10 2019 Q: Can I buy medical insurance when Exchanges are closed? A: The answer is “NO” – unless you qualify for a Special Enrollment Period! With few exceptions, you must buy health insurance... more

103,000 sign up through Idaho Exchange for 2019

Jan 8 2019 More than 103,154 Idahoans enrolled in health insurance coverage for the 2019 plan year during open enrollment held from Nov. 1 through Dec. 15, 2018, through Your Health Idaho, the state’s... more

Q & A: Can I get subsidized Medical Insurance now?

Nov 10 2018 Q: Can I get subsidized Medical Insurance now? A: Yes, the Health Exchanges are now open and you may qualify for a premium subsidy (tax credits) and cost sharing (lowered deductibles and... more

Now is ACA Medical Open Enrollment until Dec 15

Oct 30 2018 Now is the time to renew or change ACA individual and family medical plans during the annual open enrollment period. American Insurance agents, Tim Gleason are Dave Root, are fully exchange... more

Final 2019 Idaho Health Insurance Rates

Oct 15 2018 Slight increase for individual plans much lower than in recent years. Final 2019 premium rates for individual and small group health insurance plans have been released by the Idaho... more

Final 2019 Washington Health Insurance Rates

Sep 26 2018 The Washington Health Benefit Exchange Board recently certified the 2019 Qualified Health Plans (QHPs) and Qualified Dental Plans (QDPs) to be offered through Washington Healthplanfinder... more

2019 Idaho health rates proposed

Aug 7 2018 The Idaho Department of Insurance (DOI) has posted proposed health insurance premium rates and the requested increases for plans sold starting January 2019. Health insurance companies have... more

Q & A: Can I buy subsidized Medical Insurance now?

Nov 10 2017 We printed this Q&A column in the Nov. 10, 2017 edition of The Lewiston Tribune. Q: Can I buy subsidized Medical Insurance now? A: Yes, ACA Health Exchanges are now open! Open... more

Shorter ACA Enrollment Period for 2018

Nov 6 2017 Individuals, small employers, employees, dependents, college students – anyone who relies on individual medical insurance coverage – must apply during open enrollment unless they are... more

ACA Premium Subsidies Continue

Nov 6 2017 Premium Subsidies Are Not Changed. To clarify, this information from recent news articles is NOT referring to the premium subsidies (tax credits) that lower the health insurance premiums... more

Update on ACA Exchanges

Nov 1 2017 Certified Health Agents Tim Gleason & Dave Root American Insurance is following the latest developments regarding the Affordable Care Act (ACA). At the publication of this article,... more

Open Enrollment Time For ACA Medical And Medicare

Oct 12 2017 There are two “open enrollment periods” that are critically important for individuals and seniors. These limited time periods are the only times that new ACA (Affordable Care Act) Medical... more

2018 Idaho Small Group Medical Premiums Released

Oct 12 2017 There’s good news for local businesses who offer small group medical coverage for their employees. The Idaho Department of Insurance has released the final 2018 premium rates for all small... more

Idaho Individual Medical Premiums Increase for 2018

Oct 12 2017 American Insurance health agents are certified to show all options to local clients. - Individual medical plan premiums through Your Health Idaho, the Idaho exchange, are going up in 2018.... more

2018 Washington Health Plans Certified

Oct 11 2017 American Insurance health agents can explain changes, show options for local clients. - The Washington Health Benefit Exchange Board has certified the Qualified Health Plans (QHPs) and... more

2018 Idaho Health Insurance Rates Proposed

Aug 1 2017 Idaho Department of Insurance releases 2018 health insurance rates, proposed increases, and participation areas. - Proposed rate increases in 2018 for Your Health Idaho exchange plans... more

New ACA Market Stability Rule Issued

Apr 14 2017 The Final Market Stabilization rule to help lower premiums and stabilize individual and small group health insurance markets, and to increase choices for Americans was issued by The Centers... more

Health exchange enrollment up in all areas

Dec 27 2016 Around 6.4 million consumers across the country have signed up for health insurance plans through the Affordable Care Act, an increase of 400,000 plan selected from last year. More than 98,... more

Medical premium, network changes for 2017

Nov 1 2016 Major changes in medical premiums and provider networks are coming in 2017. Open enrollment began Nov. 1 in the Idaho and Washington Health Exchange Marketplaces. Anyone who needs or is... more

Scam alert - Health insurance enrollment

Aug 10 2016 The Idaho Department of Insurance is alerting Idaho residents about a possible scam by a company using deceptive practices to market health insurance in Idaho. Your Health Idaho, Idaho’s... more

Helping businesses find health coverage for employees

Feb 1 2016 Local agents with AMERICAN INSURANCE in Lewiston can help area business owners find qualified individual health insurance coverage for your employees, their spouses and dependents to meet... more

Health Exchange Shopping? Find FREE help here.

Nov 2 2015 AMERICAN INSURANCE in Lewiston has Exchange certified health agents who provide no cost help to find you the best health care plan during the Medical Open Enrollment period. “We are doing... more

ACA Penalty Tax doubles for 2016

Oct 28 2015 The ACA individual mandate tax penalty for no health coverage is much larger for 2016. If you can afford health insurance but choose not to buy it in 2016, you must pay a fee or have a... more

Student health insurance options explained

Aug 6 2015 Lewis-Clark State College will no longer offer a Student Health Insurance Program (or SHIP) this fall, due to a change by the Idaho State Board of Education. Other regional schools that... more

ACA Exchange Subsidies Secured - Supreme Court

Jun 25 2015 The latest legal attack on the Patient Protection and Affordable Care Act (PPACA) has been decided by the Supreme Court of the United States. In KING v. BURWELL, plantiff's argued that the... more

Idaho Universities Withdraw Student Health Plan

Apr 8 2015 The Student Health Insurance Program (SHIP) is being withdrawn from four Idaho universities beginning July 31, 2015. Students at Lewis-Clark State College, Boise State University, Idaho... more

11.7M Enrolled In 2015 ACA Health Insurance

Mar 10 2015 Nationwide, nearly 11.7 million consumers selected or were automatically re-enrolled in quality, affordable health insurance coverage through the Health Insurance Marketplace as of Feb. 22,... more

Future ACA Health Premium Subsidies Uncertain

Mar 9 2015 The Supreme Court will decide if millions of Americans will lose their premium subsidies if they signed up under the Federal Exchange Fortunately, Idaho and Washington... more

WA Health Exchange Extends 2015 Enrollment

Feb 20 2015 The Washington Health Benefit Exchange, a state-based health marketplace, announced a spring "Special Enrollment Opportunity" for Washington residents who want to avoid tax penalty for 2015.... more

ACA Health Exchanges - More Savings & Options

Dec 4 2014 New choices and more competition in the Health Insurance Marketplace are giving consumers affordable options during Open Enrollment this year, and the majority of returning consumers who... more

Action Needed to Renew WA Healthplanfinder

Oct 20 2014 If you are currently enrolled in a health care plan through Washington Healthplanfinder, you will need to renew your coverage for next year. Customers who signed up for a Qualified Health... more

"Limited" ACA Special Enrollment for WA Residents

Sep 11 2014 Up to 8% of the 164,000 Health Exchange customers of the Washington HealthPlanFinder experienced on-going billing and administrative problems. This caused some Washington residents to go... more

Idaho Health Exchange Getting Ready

Sep 8 2014 The Idaho Health Exchange, Your Health Idaho, is preparing to launch its own state exchange software platform prior to the 2015 Open Enrollment which begins on November 15, 2014. Last year,... more

Oregon's Health Website Woes Spark Lawsuit

Aug 26 2014 reports that the state of Oregon filed a lawsuit Friday against Oracle Corp. and several of its executives over the technology company's role in creating the troubled... more

Obamacare ACA Federal Subsidies At Risk

Jul 22 2014 A US appeals court ruled against Obamacare subsidies for policies issued through the Federal Health Exchanges. In the case, Halbig v. Sebelius, 14-5018, the U.S. Court of Appeals for the... more

COBRA Enrollees Get Limited ACA Access

May 23 2014 The Centers for Medicare and Medicaid recently announced a new Special Enrollment Period for individuals and families that are currently enrolled in COBRA continuation coverage, known as... more

Buying Individual Medical Plans After Open Enrollment?

May 14 2014 When "Open Enrollment" is closed, individuals seeking medical insurance can only do so if they have a "Qualifying Life Event" which opens a "Special Enrollment Period" (SEP). If you qualify... more

Keeping "Grandmothered" Health Plans Extended

May 14 2014 Keeping your current non-grandfathered individual or small group medical plan (also referred to as "grandmothered" plans) has been extended for policies with annual renewals on or before... more

Agents Credited For Idaho's ACA Success

Apr 23 2014 "Idaho's success in enrolling consumers during the 2014 enrollment period is due, in no small part, to the many Idaho insurance agents and brokers who provided invaluable assistance to... more

ObamaCare Open Enrollment Closed! Sort Of?

Apr 3 2014 An extended "Special Enrollment Period" was announced by The White House to allow more time to finish health insurance enrollments with glitches or other special circumstances. The Health... more

Health Exchange "Open Enrollment" Closing

Mar 9 2014 What happens when the Health Exchange Marketplace "Open Enrollment Period" closes on March 31st? This is the next question as American's struggle to understand and comply with the massive,... more

Keep Your Current Health Plan Extended

Mar 7 2014 The "keep your current health insurance plan" promise by President Obama is being extended even further. The Obama administration announced that Americans can keep their health plans that... more

Regence - Can I Keep My Plan?

Dec 12 2013 Can I keep my plan? It depends says the Regence Group which does business in Idaho, Washington, Oregon and Utah. - Fall 2013 promised to be a dynamic time in the rollout of the Affordable... more

ACA / ObamaCare Deadlines Extended

Dec 10 2013 Political passions run high over the looming January 1, 2014 deadline of the "Individual Mandate" and other provisions of The Affordable Care Act (ACA). To add fuel to the fire, the ACA... more

Health Exchange Update 10/25/13

Oct 25 2013 The Health Exchange Marketplace opened on October 1st and has experienced serious technical problems ever since. In the meantime, the Individual Mandate of the Affordable Care Act (ACA)... more

Only Agents Can Explain Exchange Plans

Oct 24 2013 The Idaho and Washington State Health Exchanges including their navigators (online and phone assistants) will not explain or recommend any insurance plans offered in the exchanges. They... more

Who Needs Health Exchange Quotations?

Oct 23 2013 The new Health Insurance Exchange Marketplace isn't just for the uninsured! Almost everyone needs to take a serious look at their own state's Health Exchange Marketplace before January 1,... more

Hospital Charges Exposed & Vary Widely

May 10 2013 New data shows significant variation across the country and within communities in what hospitals charge for common inpatient services. Also, HHS made approximately $87 million available to... more

Health Centers Funded For AFA Enrollment

May 10 2013 Republicans renew call to repeal the entire healthcare law while the Obama administration is providing $150 million for health centers to offer Affordable Health Care (AHC) enrollment... more

New Health Care Apps Shorter

May 6 2013 Now a new series of shorter and easier applications have been released by CMS. Stinging from criticism that the new Health Care applications were too long and too complicated, the Obama... more

Health Agents Play Critical Role

May 1 2013 Agents and brokers will play a critical role in helping consumers access health insurance coverage through Affordable Insurance Exchanges or Health Insurance Marketplaces, according to an... more

Health Reform Hits Main Street - Kaiser

Apr 23 2013 Confused about how the new health reform law really works? Get answers in just 9 minutes by watching this animated movie from The Henry J Kaiser Family Foundation. Click Health Reform Hits... more

Heath Care Reform Overview - ADP

Apr 8 2013 A free replay of the webinar "Health Care Reform: Strategies to Help Control Costs, Mitigate Risk, & Decrease Penalties," has been made available by ADP ®, a leading provider of... more

Small Biz Health Exchange Delayed

Apr 3 2013 The Small Business Health Options Program (SHOP) included in the Patient Protection and Affordable Care Act (PPAC) was to begin in every state by January 1, 2014 but is being delayed one... more


Mar 13 2013 Idaho Governor C.L. "Butch" Otter needs citizen support in his battle for a state-based Health Exchange. After winning a hard fought battle in the Idaho House on Wednesday, the legislation... more

Final Rules for "Essential" Health Benefits

Feb 22 2013 Final rules for "essential" health benefits were announced by the Department of Health and Human Services (HHS). The rule outlines health insurance issuer standards for a core package of... more

Governor's 5 Reasons For Idaho Health Exchange

Feb 4 2013 Idaho Governor Butch Otter's top five reasons for creating a state-based health insurance exchange are listed below. He strongly supports an Idaho Health Insurance Exchange and is asking... more

Only 11 States Pass Health Care Regs

Feb 1 2013 Only 11 of the 50 US states have moved to implement new consumer safeguards under President Barack Obama's healthcare law according to this Reuters report posted today by Insurance Journal.... more

Idahoans Action Needed For State Health Exchange

Jan 29 2013 Governor Butch Otter is appealing to all Idahoans for help passing legislation for a state based health insurance exchange. Facing opposition from far-right legislators Otter has taken the... more

States Move Forward On Health Exchanges

Dec 21 2012 Three more states are on track to implement the health care law and establish health insurance marketplaces, or Exchanges, in their states. Health and Human Services (HHS) issued the first... more

Just 15 States Opt For State Health Exchanges

Dec 13 2012 Only 15 U.S. states so far plan to operate health insurance exchanges under President Barack Obama's reform law, leaving Washington with the daunting prospect of creating and operating the... more

Idaho Governor Opts For State Insurance Exchange

Dec 11 2012 Governor C.L. "Butch" Otter announced today that Idaho is opting for a state-based health insurance exchange under the terms of Obamacare, subject to legislative approval. In his news... more

Health Care Reform - A Closer Look

Nov 29 2012 It appears that the Patient Protection and Affordable Care Act (PPACA) is here to stay. It survived the constitutional challenge in the US Supreme Court and the electoral challenge with the... more

Health Care Reform Timeline

Aug 8 2012 What's changed and what's not under Health Care Reform? In light of the recent ruling by the U.S. Supreme Court and the complex nature of the Patient Protection and Affordable Care Act (... more

Idaho Health Exchange Work Group Meets

Jul 26 2012 Idaho is playing "catch-up" with Health Care Reform. The first meeting of the Idaho work group studying formation of a state operated Health Insurance Exchange was announced by Idaho... more

WA & OR Take Health Exchange Grants

May 17 2012 Washington and Oregon were among the six new states to take Health Exchange grants to implement the new health care law. Idaho, a highly conservative and Republican majority state, snubbed... more

Idaho's Health Insurance Exchange - On Hold

Apr 19 2012 What is the status of the Idaho Health Insurance Exchange? The US Supreme Court will be making its decision in June whether all, part or none of the Affordable Care Act will stand as... more

New Health Exchange Rules Released

Mar 13 2012 New rules released today will offer states substantial flexibility as they design a health insurance exchange marketplace that works for their residents. The Idaho Legislature said "no... more

States To Decide “Essential Health Benefits”

Dec 16 2011 In a surprise move, the Obama Administration has announced that each state can decide what "essential health benefits" will be offered in their state Health Care Exchanges beginning in 2014.... more

Idaho Receives Health Exchange Grant

Dec 1 2011 Idaho is one of 13 new states to receive grants to help them create Health Insurance Exchanges. The Affordable Care Act mandates that every state have a Health Insurance Exchange, either a... more

Oregon Gets $48M Health Exchange Grant

Feb 28 2011 Oregon is one of seven states awarded "Early Innovator" grants to design and implement the Information Technology (IT) infrastructure needed to operate Health Insurance Exchanges as part of... more

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