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States that Will have Federal Exchanges

There are three potential options that states can choose from for their health insurance exchanges. Some states have selected to create a state-based exchange. Another option is a federal and state partnership. Others have decided to allow the federal government to create an exchange for their state. Here are some of the states that will have federal exchanges. Alabama In May of 2012, Governor Robert Bentley threatened to veto a bill establishing a state-based health insurance exchange if it cleared the Senate before the Supreme Court ruled on the constitutionality of the Affordable Care Act. On November 13, 2012, Governor … Continue reading →

Applying for Medicaid in Alabama is Complex

Every state has its own Medicaid program. Some states make it extremely easy for people to apply for Medicaid, while others seem to go out of their way to make things more difficult. A quick look at the websites for Medicaid in Alabama show that applying for Medicaid in Alabama is complex. Medicaid is a public, or government run, form of health insurance. It is designed to provide health insurance coverage for individuals and families who are low-income and who cannot afford to purchase a health insurance plan from a private insurance company. Medicaid is funded, in part, by the … Continue reading →

Will Your State Create a Health Insurance Exchange? – Part 1

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Technically speaking, all states will have a health insurance exchange in 2014. It is simply a matter of if your state will make their own, or, if your state will have the federal government make one for them. Here is a quick review of what I have learned so far about what individual states have decided to do. Alabama Governor Robert Bentley promised, in May of 2012, to veto any bill that would enable Alabama to begin working on a state run exchange. Alabama has received funding from a planning grant and from a Level One Establishment grant to create … Continue reading →

The Deadline For State Exchanges Has Been Set

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There is a very important deadline coming up. States have until November 16, 2012, to submit proposals that show how they intend to operate their health insurance exchanges. The exchanges are expected to be ready to go in 2014. Part of the Patient Protection and Affordable Care Act, (or ACA, or “Obamacare”), requires each state to create its own health insurance exchange. These exchanges are supposed to make it possible for Americans to find affordable health insurance plans. People who are uninsured can use the exchanges to find a health plan. People who already have health insurance can use the … Continue reading →

Governor Christie Vetos Insurance Exchange

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One of the requirements set forth in the Affordable Care Act (ACA) is that every state needs to make their own health insurance exchange. States that choose not to will have one set up for them by the federal government. In New Jersey, Governor Chris Christie vetoed a bill that would have set up an online marketplace for health insurance. In 2010, the Affordable Care Act required all states to create a health insurance exchange. The exchange is designed to be a place where individuals and small businesses can go in order to find an affordable health insurance plan. It … Continue reading →

Insurance Blog Week in Review – April 29 – May 5, 2012

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Every week, the Insurance Blog Week in Review quickly goes over all of the blogs that were posted in the past seven days. There can be anywhere between twelve and fourteen different blogs that appear here weekly. What did you miss? This is an easy way to “ketchup” on everything. Ohio Requires Insurance Coverage for Exotic Animals Ohio now requires owners of exotic animals to purchase a certain amount of liability insurance coverage for each animal they own. They also have to prove that they are providing proper care for the animals, and that they have good fences. The Insurance … Continue reading →

Alabama Governor Will Veto Insurance Exchanges

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Part of the Affordable Care Act includes the creation of state health insurance exchanges. States that choose not to create one will have the federal government create one for them. The Governor of Alabama has promised that he will veto any bill that would create an exchange for Alabama. This is despite the fact that the Alabama House of Representatives has passed a bill that would create an exchange. The Affordable Care Act requires all states to create a health insurance exchange. The exchange is designed to be a place where individuals and small businesses can go in order to … Continue reading →