Deadline Extended Healthcare – Sign up by Dec 17 for Jan 1 Coverage (

December 15th 2015

Santa has delivered an early gift to millions of Americans by extending the deadline to get coverage for January 1st. Obamacare officials extended the deadline by 48 hours late Tuesday night as a result of “unprecedented demand” during the current 2015 open enrollment.


The December deadline includes 38 states and California, the largest state run exchange. Officials have not indicated that an extension will be granted for the broader deadline of January 31st.

Get covered by January 1 and avoid the tax penalty of $695 or up to $2085+ per household.

A special number has been setup to fast track your application.


Avoid any wait times. Must call in the next 48 hours!

Why 85% of People Select the Wrong Health Plan

JibeHealth (

The Affordable Care Act gave consumers the opportunity to choose health insurance plans in a competitive marketplace. However, selecting a health insurance plan isn’t a simple task, and the Health Insurance Marketplace, which is filled with many types of plans at many price points, can certainly lead to some confusion. Ultimately, consumers who have limited knowledge of health insurance may be led down a path toward a plan that simply doesn’t work for their lifestyle and health care needs.

Selecting the Wrong Plan

The Centers for Medicare and Medicaid Services and the U.S. Department of Health and Human Services reported that up to 85 percent of consumers chose the wrong plan in 2014. A poorly selected insurance plan can have several long-term consequences. Individuals might not have adequate coverage for their health care needs, or they might be limited in the checkups, procedures, and prescriptions that their insurance covers. Ultimately, these individuals might end up with significant medical bills due to this poorly selected insurance plan.

Common Causes

Selecting an insurance plan should always consider a variety of factors, but ultimately, many people tend to make decisions based on just one factor: price. Tight budgets and exorbitant healthcare costs may leave people looking for the inexpensive health insurance option–even if that option isn’t the best for their unique needs and may even cost more in the long run.

People shopping for health insurance often begin on a website to collect quotes after entering their zip code. This method can result in a poorly selected plan. These “zip code” insurance quotes consider only the individual’s location, and the quotes and recommended plans are not tailored with the individual’s healthcare needs in mind.

Health care and health insurance shopping is undergoing tremendous innovation.

New federally approved web broker platforms like  match consumers with health insurance plans based on their unique needs. Jibe health’s algorithm begins by asking a few simple questions and displaying plans that only match your unique health care needs.

Even more, most people aren’t well versed in insurance terminology. So, when they are perusing these “zip code” insurance quotes, they might not be quite sure what they are reading. Thus, they choose a budget-friendly plan without the confidence that the plan they chose will be sufficient for their healthcare needs. This uninformed and depersonalized method of insurance shopping certainly contributes to a high numbers of dissatisfied consumers.

Far-Reaching Impact

Choosing the wrong insurance plan affects more than just the individual. The federal government will take a hit as well. It stands to lose up to $9 billion in higher subsidy payments resulting from those consumers who chose the wrong plan. Choosing the wrong insurance plan isn’t just a personal problem–it’s a national one.

Tips and Tricks

Shopping for insurance doesn’t have to be confusing. The key to a successful insurance shopping experience is personalizing it. First, think carefully about what you need in an insurance plan. While you should certainly look broadly at the costs, including premiums, deductibles, and the cost of any hospital stays, you should also see what doctors and hospitals you will have access to under the new plan. Also, consider the type of prescription drugs that the plan will cover. Then, skip the “zip code” quotes and work on securing quotes for your unique needs. Using this method, you’ll be more pleased with your insurance plan, and you just might save the government some money along the way.

Why Losing Your Group Health Benefits Can be Great News

Why Losing Your Group Health Benefits Can be Great News

You’ve landed a new opportunity, and you’re evaluating the offer to decide if a job change is right for you. Or, maybe you’re not so lucky, and you’re desperately seeking to get out of the unemployment rut and have few choices. Either way, evaluating your benefit package is an important part of assessing the advantages and disadvantages of your job. Understanding what benefits–if any–are included with your job offer and your out-of-pocket costs is important. Unfortunately, this assessment might not bring good news because today’s employers are reducing coverage from all angles. Worse yet, you might even experience reduced coverage with your existing employer.

Shifting Coverage

Health care costs are rising, and with this increase, employers are not providing benefits like they used to. Decades ago, benefits packages were attractive for potential employees. Expansive health insurance coverage, combined with life insurance packages, accident and disability coverage and more, made benefits an important factor to consider when choosing to accept or reject a job offer. At the time, employees relied on these benefits and expected them even as they moved from one job to the next.

Today, however, many of these attractive features are gone. Employees are lucky to receive health insurance coverage at all. For many employers, offering accident and disability coverage, along with life insurance, is a thing of the past.

This dramatic and historic shift in health care coverage is, in part, due to the rising costs of health care, which falls largely on employers’ shoulders. Since 2006, the cost for an employer to have just one employee covered under its health care plan rose 40 percent. This increase resulted in a whopping $13,000-per-employee expense for employers. Projections indicate that these already high costs will continue to skyrocket, making it even more challenging for employers to continue to provide health care coverage.

Impact of Obamacare

The Patient Protection and Affordable Care Act–Obamacare has had an enormous impact on employer health care coverage. About 163 million Americans receive employer-sponsored health insurance coverage today. However, part of PPACA provides subsidies for families to receive health insurance without any employer contribution. Now that individuals have an alternative to employer-sponsored coverage, employers are rethinking their decision to provide health care, which is a major expense for any organization.

In fact, changes are already afoot. After the PPACA took effect, UPS decided to drop some of its employees’ spouses from its health care plan. Other companies across the country are making similar moves, shifting the expense of health care costs to the employee. With so many change in today’s health care marketplace, protecting yourself and your family is essential.

Your Options

Don’t rely on your current or future employers for health care coverage in these changing times. You have a wealth of health insurance options today, and what coverage your employer offers if any might not be the best fit for your family.

Even more, when you’re relying on employer-sponsored insurance, your coverage will always hang in the balance. Will your employer follow UPS’ lead and drop your spouse from the plan? Will your employer decide to stop offering health insurance coverage next year? When you take control of your coverage, these questions don’t have to keep you up at night.

Public exchanges are government-subsidized plans established through Obamacare. How much you pay depends on your income level, which means that public exchange plans are not the right fit or the most economical for all families. Private exchanges such as JibeHealth, are possibly the best option in today’s changing health care marketplace, giving you even more choices than public ones including carriers like,,, Coventry, Cigna and many others.

Private exchange platforms allow you to choose coverage that truly fits your lifestyle. These plans can expand your provider network, allowing you to find physicians that fit your unique health care needs. Because these plans are PPOs Preferred Provider Organization they allow you to tap into a broader physician network, one that can even cross state lines.

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