Insurance Company

Good Question ... Unfortunately Obamacare has placed limitations on the options available to you ..You could approach your Husbands Group Provider and a “ COBRA “ option ..You could enroll in a “ Short Term “ Plan for up to One Year in most states ..You could tigger a “ Special Enrollment Period “ and enroll in an ACA plan ...None of these options is the best ..They ALL depend upon your family’s needs and desires ..I hope this is helpful ..Please feel free to ask... (more)

Insurance companies should be able to offer underwritten rates and ACA compliant rates.  Both sets of rates should fund the WHOLE block of business.  This would attract more people that are healthy because right now, those healthy people are not buying insurance.Tom KenneyK&A Insurance - Naperville, IL (more)

I chose state regulation but in reality, it's municipal regulation. About 25% of the businesses in my community are home-based entrepreneurs. They make up a significant percentage of the homeowner community but our city government regards this group as a potential threat to the city's "quality of life". So we get slapped with arbitrary standards and regulations as well as fees and taxes according to the whim of whatever homeowners' association has a city councilman's... (more)