Author Archives: RustyAdmin

Enrollment for Obamacare Tax Penalty

Have you learned you have a tax penalty for not having health insurance in 2014?  If so, there could be a new Special Enrollment Period (SEP) for you.  This enrollment allows those who did not have health insurance coverage during 2014 or had coverage that did not meet minimum essential coverage as defined by the law to enroll in coverage after the Open Enrollment Period (Feb 15th) ended.

You now have the opportunity to enroll in coverage during this one time SEP.  It starts March 15th and ends April 30th.  In order to qualify you must meet the following:

  • Are not currently enrolled in health coverage through the Marketplace for 2015
  • Attest that you paid the fee for not having health coverage in 2014
  • Attest that you first learned of this penalty after Open Enrollment ended (Feb 15th)

You must be able to answer yes to all of the above questions.

How does this affect you? 

You could now be eligible to purchase coverage through the Marketplace during this SEP (March 15th thru April 30th).  You may qualify for a subsidy based on your household income and family size.  This does not exclude you from the 2015 penalty, but it does allow you to reduce it since you will have coverage for part of 2015.

Who does this not help?

If you had coverage for 2014, but did not renew the policy, this SEP does not apply to you.  If you did not update your coverage during Open Enrollment, you cannot make changes during this SEP.  This one time SEP is only available to those who can answer yes to the 3 bullet points listed above.

What should you do now?

If you qualify, you may be seeking help to determine what options might be best for you.  We have helped 1000+ North Carolinians find coverage that fits their budget and needs.  In order for us to help you, simply complete the form on the right side of our website (  Under “Life Change,” select “I have the Tax Penalty.”  Once you have completed this form, we will reach out to help you move forward.  We can handle the entire process over the phone and via computer.  We work hard to make this process simple and painless for you.  Act now, this one time SEP will be over before you know it.

New Options for NC Obamacare in 2015

The annual enrollment period for 2015 coverage for NC Obamacare will be here before we know it…enrollment starts on November 15 and goes through February 15. In 2014 there were only two health insurance carriers that participated on the marketplace for subsidized premiums in North Carolina. In 2015, United HealthCare (UHC) will also offer a… Continue Reading

Special Enrollment Period – Losing Health Coverage

In follow up to our last blog post regarding Special Enrollment Periods (SEP) we wanted to look further into some specific ones that are most common. The most common SEP qualification we are seeing is for individuals that have lost or will lose their health coverage from their employer. Since we are outside of the… Continue Reading

Enrolling in Obamacare in NC outside of Enrollment Period

We are still getting a lot of inquiries for people looking for coverage. Times have changed with the Affordable Care Act (aka “Obamacare”) in that you now can’t just buy coverage whenever you want. The initial Enrollment Period for coverage starting in 2014 was from October 1, 2013 – March 31, 2014. If you missed… Continue Reading

Obamacare – Who will it help, who will it hurt?

With Healthcare reform, also known as Obamacare, quickly approaching (less than 48 days), our goal is to help you understand the impact the law with have on you.  The law will change how you access insurance in the near future.  Whether you are for or against the law, it’s important to understand how it will… Continue Reading

Obamacare Explained in Video

The Patient Protection and Affordable Care Act (PPACA), aka Obamacare, is a very confusing and overwhelming law that has many people up in arms.  While many hate it, some love it, and some are indifferent the fact of the matte is as of today it is here and will be in full swing starting January… Continue Reading

How Do I Buy On The NC Health Care Exchange?

One of the confusing factors with Obamacare starting in 2014 is how do you buy coverage on the NC health care exchange?  The main determining factors are whether or not you have health insurance options from an employer (either through you or a spouse) and what is the modified adjusted gross income (MAGI) for the… Continue Reading

Do you qualify for a subsidy with Obamacare?

As we get closer to the start date for enrollment with Obamacare (October 1st), many people are starting to learn the ins and outs of how this will affect them.  Estimates are that 2/3 of North Carolinians will qualify for some form of subsidy under the new law. How do I know if I qualify… Continue Reading

When does Obamacare in NC start?

Open enrollment for plans offered through the NC health insurance exchange starts on October 1, 2013 with coverage starting on January 1, 2014.  This initial open enrollment period will run through March 31, 2014.  After this date enrollment periods for health coverage will coincide with Medicare’s open enrollment period each year which is October 15… Continue Reading

More to come!

With healthcare reform (often referred to as “Obamacare” in the media) fast approaching, this site will quickly ramp up to speed to help North Carolinians understand their options.  A tremendous amount of guidance continues to be released from the Health and Humans Services Department (HHS) each week.  This guidance gives us more details on how… Continue Reading

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