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American Rescue Plan and Health Insurance: Marketplace Insurance, COBRA & More!

The latest Covid-19 stimulus, the American Rescue Plan is a very large bill that may affect your health insurance. Additionally, there's a new Covid-19 Special Enrollment Period for Marketplace Plans, so make sure you don't miss out! Call us at iHealthBrokers today at 888-410-0344. Our services are 100% Free! ★☆★ABOUT THIS VIDEO★☆★ The American Rescue Plan is quite extensive. Individuals who currently rely (or are hoping to rely on) COBRA, Marketplace Plans, or Medicaid may suddenly find themselves eligible for tax credits, lower premiums or expanded eligibility. COBRA is a way for you to keep your exact same employer sponsored health insurance even after you are no longer at your job. If you are currently utilizing COBRA because you were terminated or your hours were cut on or after Nov. 1, 2019, you will now for a 100% subsidy of your premiums. So, what does this mean? You will no longer have to pay your health insurance premiums for up to six months, so up to Sept. 30, 2021. If you chose not to enroll in COBRA because it was too expensive, there is good news. If you were terminated or had your hours cut on or after Nov. 1, 2019 but did not elect to take part in COBRA, your employer has 60 days to contact you letting you know that you have the option to enroll. You’ll then have 60 days to enroll 100% subsidized. Although your employer technically has to contact you, it is in your best interest to be proactive and contact them if need be. Another major way that the American Rescue Plan is lending a helping hand is through expanded marketplace tax credits. It can affect you in the following ways: Increased Eligibility for Tax Credits Increased Tax Credits Tax Credit Forgiveness Prior to the American Rescue Plan, people purchasing a marketplace plan could be eligible for a premium tax credit if they made up to 400% of the Federal Poverty Level for their household size. The American Rescue Plan expands the availability of these tax credits to those potentially making more than 400% of the FPL. Tax credits are basically reflected as a discount on your monthly premiums. The size of these discounts is also increased under the American Rescue Plan. As of April 1st, you may notice that your bill is significantly lower. Plans will now be available with a $0 monthly premium for those at or below 1.5 times the FPL and those who have had to rely on unemployment may also be eligible for plan with a $0 monthly premium. Additionally, if you've underestimated your MAGI and your income has made you ineligible for a tax credit, the American Rescue Act would forgive you from having to pay back this subsidy for 2020. The American Rescue Plan also provides additional funding for Medicaid and CHIP to serve as incentives for the individual states. States that have yet to adopt an expanded Medicaid program, but do so now, would receive additional funding. This would allow expanded Medicaid benefits for those now eligible. If you have any further questions, please feel free to contact us here at iHealthBrokers at 888-410-0344 or https://ihealthbrokers.com/ 👇SUBSCRIBE TO iHealthBroker's CHANNEL NOW👇 https://www.youtube.com/channel/UC5jc... ★☆★CHECK OUT OUR OTHER VIDEOS★☆★ COBRA    • COBRA HEALTH INSURANCE EXPLAINED: I L...   Covid-19 Special Enrollment Period    • Covid-19 Marketplace Insurance Specia...   Marketplace Insurance    • Marketplace Insurance: Signing Up for...   How to Calculate your MAGI for Marketplace Plans    • How to Calculate MAGI (Modified Adjus...   How to Pick the Best Marketplace Insurance    • How to Pick the Right Marketplace Ins...   Health Insurance 101    • Health Insurance 101   ★☆★CHECK US OUT ★☆★ WEBSITE: https://ihealthbrokers.com/ PHONE NUMBER: (888) 410-0344 F A C E B O O K:   / ihealthbrokers   =================================== Give us a call or leave a comment below and we'll do our best to help! Make sure to "Like" and "Subscribe" today!