Another reason to use a Health Insurance BROKER….

Dallas news station WFAA reports about a family that learned the hard way about NOT using a broker.   Calling the marketplace or visiting without talking to a broker is not smart.  I use technology and google like everyone else; however, I would not go to court without wise counsel.  In addition, there is no extra cost by using a broker.  You do not have to pay one cent extra.

Your family situation might or might not be complicated but healthcare and health insurance is very complicated.  Loop holes and traps can at least be addressed if you have some expert advice before purchasing a product that deals with the health and well being of your family and bank account.

Use the internet and gather as much information as you can on your own; however, talk to a well seasoned human too.

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HHS extends Open Enrollment 2015

Even though open enrollment ended 2/15/15 and was extended one more week due to technical challenges, HHS has now created one more opportunity to get into the healthcare marketplace fun for 2015.

Here is a direct announcement from our central planners.

For those who were unaware or didn’t understand the implications of the fee for not enrolling in coverage, CMS will provide consumers with an opportunity to purchase health insurance coverage from March 15 to April 30.  If consumers do not purchase coverage for 2015 during this special enrollment period, they may have to pay a fee when they file their 2015 income taxes.

Those eligible for this special enrollment period live in states with a Federally-facilitated Marketplace and: 

  • Currently are not enrolled in coverage through the FFM for 2015,
  • Attest that when they filed their 2014 tax return they paid the fee for not having health coverage in 2014, and
  • Attest that they first became aware of, or understood the implications of, the Shared Responsibility Payment after the end of open enrollment (February 15, 2015) in connection with preparing their 2014 taxes.

The special enrollment period announced today will begin on March 15, 2015 and end at 11:59 pm E.S.T. on April 30, 2015.  If a consumer enrolls in coverage before the 15th of the month, coverage will be effective on the first day of the following month. 

The Tax season just got a little brighter and a lot more busier for me.

If you would like to look at all the marketplace plans and view any subsidies available please visit

If you call the folks at please give them my NPN number so I can continue to be your broker.  There is no extra cost and I can help.

My NPN# is 1100910

I suggest you give me a call and we can do a 3 way call to the fine folks at

It is amazing what you learn after doing a couple of hundred of these.

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