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Marketplace Required Documents

Health Insurance Marketplace” asks specific documents to verify your identity and the information in your subsidy application. This was a big problem after the open enrollment period ended. Make sure you get these ducumnets uploaded. If you mail them in don’t forget to include the barcode from your Eiligibility Report. Documents are required primarily to confirm/establish Identity, Legal Status, and Income.
Proof of Identity:

  • Drivers License
  • Passport

Proof of Legal Status:

  • U.S. Passport
  • Birth Certificate
  • Citizenship Certificate
  • Naturalization Certificate
  • Foreign Passport with Valid Visa
  • Permanent Resident Card

Proof of Income:

  • Pay-stub
  • Letter from your Employer
  • Bank Statement
  • W-2 Income Statement

You will need at least one of the documents from each category to successfully apply for the subsidy and enroll in a health plan.
There are other documents you can use as a substitute, but these are the most common.

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Health Insurance

What’s new in 2015?

United Healthcare and Assurant Health will be offering new products on the Health Insurance Marketplace. The big difference between the big carriers is going to be their networks. We are hoping to see better networks with United Healthcare and Assurant.
Coventry has improved their provider network adding hospitals and other providers. In Broward they added the Memorial hospital system to their network.
Molina is the lowest cost carrier in many markets across the country and is expected to be the most popular plan in Dade county.
It could be a big price difference. Checking rates every year is always a good idea. After all Molina has lowered premiums 12%, Aetna dropped 5%, and Sunshine 10%.

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Health Insurance Premiums for 2015

2015 Health Premium

Every year, all the insurance companies change their rates. Occasionally we see rates decrease. Most companies will increase their rates about the same amount. Sometimes we are surprised with decreases, this year we had three insurance companies lower their rates.
In 2015 premiums in Florida will be changing:

  • Aetna – 5%
  • Molina – 12%
  • Sunshine Health – 10%
  • Florida Blue + 18%
  • Cigna +17%
  • Coventry +14%
  • Humana +14%
  • Preferred Medical +14%

This is the average increase or decrease, changes to your plan could be more or less depending on your age and where you live.
These premium changes will also affect the subsidy amounts. Call us to review your options every year.

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