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cont'd...
8 Things Accountants need to tell their Clients about Health Reform

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Out of Pocket Maximums

Out Of Pocket Limits have supplanted “Out of Pocket Maximums."  In the insurance plans previously, the OoPM referred only to " major medical"; you could continue to pay copays for expensive medications and physical therapy beyond the OoPM.  For 2015 - the Out of Pocket Limit is an aggregate number - $ 6,600 individual, $13,200 family. After this the insurance will pay 100 %

Coverage Available Thru Group Insurance

If someone has group insurance thru their employer,  they will NOT qualify for a premium tax credit if that coverage is BOTH:
 
1. Compliant in plan design - offering the new Essential Health Benefits
 AND  
2. Affordable -  under 9.5% of their salary. 

If only one  or neither is met, they may qualify for a subsidy.  For spouses and dependents, the coverage must be affordable in relationship to household size and income. Employers are required by law to supply employees with documentation OMB1210-0149

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AND One More Point...
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Dave Trout
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Butch Greene
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Jessica Cody
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Jeremy Sheridan
Folks may find help thru Healthcare.gov, calling  800-318-2596 , navigators or agents / brokers. If they choose to work with an agent, their premiums are the same and there is no additional cost. They will benefit from the knowledge and expertise an agent who is certified by the Marketplace- -helping them choose a new insurance which meets their needs, goals, values and budget. 
Trout Insurance Services

Monday-Friday
9:00am-5:00pm & by Appointment


​Visit: 29 N Main St
Weaverville, NC 28787
     
Mail: PO Box 1414     
Weaverville, NC 28787  
Ph: 828.279.4681

Fax: 1.888.221.4842
​
contact@troutinsurance.com
Privacy Notice Statement  | Privacy Policy
Trout Insurance is an Independent Insurance Agency Based in WNC. 
Trout Insurance is an independent authorized agency licensed to sell and promote products from Blue Cross and Blue Shield of North Carolina (Blue Cross NC). The content contained in this site is maintained by Trout Insurance. Blue Cross and Blue Shield of North Carolina is an independent licensee of the Blue Cross and Blue Shield Association. ®, SM Registered marks of the Blue Cross and Blue Shield Association.”
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  • Coverage
    • Home & Auto Insurance
    • Medicare
    • Income Protection >
      • Disability Insurance
      • Long-Term Care
      • Critical Illness
      • Annuities
    • AARP - Hartford
    • Life Insurance
    • Health Insurance
    • Dental, Vision, Accident
    • Employee Benefits
    • Business Owners >
      • Group Health Insurance
      • Commercial Property & Liability
      • Business Overhead Expense Disability
      • Disability for Business Owners
      • Critical Illness
    • Short Term Health
  • About Us
    • Our Story
    • Dave Trout >
      • DT Landing
    • Jessica Cody >
      • JC Landing
    • Jeremy Sheridan >
      • JS Landing
    • Robert Pugh
    • David Hanson
    • Jennifer Trout
    • Jan Trout
    • Steve Dillingham
  • Reviews
  • Client Center
    • Client Center
    • Resources >
      • Health Insurance 2022
      • Friday Health
      • Comparing 2022 Plans
      • Insurance Partners
      • Best Value Insurance Plans
      • American Rescue Plan
      • ARP Facts CMS
      • ARP Unemployment
      • ARP 2020 Excess Premium Subsidy
      • No Income Cap
      • Unemployment Glitch
      • Asheville Homesharing
      • 2019 Verification-a
      • BCBS Online Setup
      • APTC Income 2022 & Tax Form 1040
      • Lost Subsidy
      • Privacy Policy
  • Community
    • Alignment Health Plans
    • Health & Wellness Day
    • YMI Winter Coat Drive
    • Medicare Seminar
    • Art in Autumn
    • Goombay
    • Music on Main
    • Manna Fundraiser
    • Western Women's Business Center Conference
    • Mural on Main Street
    • Expanded Team- Next Generation
    • Back to School
    • Weaverology
    • Mother Earth Food
    • Find the Trout
  • Blog
  • Contact Us