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In 2014, the LAW requires everyone have HEALTH INSURANCE OR PAY PENALTIES.
Obamacare subsidies are for the needy and unemployed.  
For the rest of us, Insurance companies pay Obamacare 3.8%

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Arizona Department of Insurance will not enforce 'ObamaCare'

Posted by AzBlueMeanie:

27 states defaulted to a federal marketplace health insurance exchange for purchasing health insurance — a major component of the Affordable Care Act — including Arizona.

6 states — Texas, Arizona, Alabama, Missouri, Oklahoma and Wyoming — have notified the federal government that their state insurance departments will not be policing the Affordable Care Act health care law.

In the 6 states that will not enforce the insurance exchange and market reforms, the federal government will have to review insurance forms and respond to consumer complaints about health insuranceThink Progress reports,These Six States Want To Allow Health Insurers To Deny Coverage To Sick People:

Officials in Texas and five other GOP-led states are refusing to oversee even Obamacare’s most basic — and popular — consumer protections and insurance market reforms. That includes the law’s ban on denying coverage or charging more because of a pre-existing condition and discriminating against women on the basis of gender. The decision could present major hurdles to Americans who buy health insurance through federally-run marketplaces in Texas, Arizona, Alabama, Missouri, Oklahoma, and Wyoming.

The Centers for Medicare & Medicaid Services (CMS) will instead be responsible for enforcing Obamacare’s insurance industry reforms and reviewing consumer complaints in the states refusing to do so on their own.

That could be confusing for Americans who are buying insurance for the first time through the marketplaces. For example, imagine you’re a relatively poor person with diabetes. Your income isn’t low enough to get you on Medicaid — but your employer doesn’t offer health benefits, and you’ve never qualified for insurance on the individual market because of your medical condition. On October 1st, you can go buy insurance with government subsidies for the first time on an Obamacare marketplace. But the plan you choose charges you a suspiciously high premium relative to your income. You suspect it’s because of your medical problem, which is clearly illegal under the reform law. But who do you complain to?

Usually the answer is your state’s insurance department. But the answer is CMS if you live in one of the six states that won’t enforce the consumer protections. Unfortunately, if you don’t know that, you could spend months oscillating between the state and federal government, trying to figure out if you’re getting hoodwinked by your insurance company. And in the meantime, the bills are piling up.

Those kinds of scenarios are the reason that health policy experts say insurance complaints are best handled by state agencies.

Maybe Arizona's media villagers should look into this and do some reporting on the Arizona Department of Insurance and provide some consumer protection and complaint resolution procedure information in advance of the October 1 start date for the federal marketplace health insurance exchange.

Gov. Brewer pushes through ObamaCare’s Medicaid expansion in Arizona

Arizona Gov. Jan Brewer muscled her way to victory in her crusade for Medicaid expansion Thursday, outmaneuvering conservative opposition to push through a key piece of President Barack Obama’s agenda.

Over the objection of Republican legislative leaders, a coalition of moderate Republicans and Democrats sent Brewer a bill on Thursday extending Medicaid to an estimated 300,000 low-income uninsured Arizonans, transforming the state into the unlikeliest of Obamacare allies at a critical time for the White House.

The vote is the end of a chapter, though not the book, on Obamacare in Republican-led Arizona, where Brewer defied — and sometimes confounded — her base. She not only supported the Medicaid expansion, but took extraordinary measures to push for its passage. Other GOP governors who backed Medicaid were not nearly so emphatic in fighting back against balky Legislatures.

Brewer, however, spoke loudly and carried a big stick — crisscrossing the state to promote expansion and shame detractors. This month she started vetoing a stream of unrelated bills to pry her top priority loose from Republicans, and she brought them back into special session.

Arizona Health Care Programs:

Individual Health Insurance in Arizona (including Self-Employed):

Individual health insurance policies fall under different rules than small businesses. For example, if you have health problems, insurance companies are not required to cover you. Withholding coverage is legal, as well, based on a pre-existing condition of you or a dependent. Genetic information cannot be considered a pre-existing condition, but pregnancy can. Also, unlike group plans, individual policies are not required to offer credit for previous coverage on pre-existing conditions. There are no premium limits for individual insurance, but insurance cannot be cancelled in cases of sickness or accident.

Self-Employed Health Insurance in Arizona:

Other than Healthcare Group of Arizona, the self employed are not eligible for group insurance. For association affiliation laws concerning health insurance, contact the Arizona Department of Insurance.

Group Health Insurance in Arizona (including Small Business):

  • In Arizona, if you are eligible for group health insurance, a health problem cannot prevent you from being accepted.
  • Once you are accepted, you cannot be cancelled due to illness.
  • Should you lose your group or individual health insurance, your conversion policy is open to you for 30 days.
  • An exclusion period of no more than 12 months may apply if you have a pre-existing condition and are changing into a new group insurance plan.
  • You are eligible for creditable coverage if you have had continuous coverage without breaks longer than 63 days.
  • A waiting period may apply before coverage under a new employer or a new insurance with an HMO begins.

Small Business Health Insurance in Arizona:

Group insurance will not be denied to any small business owners with 2 to 50 employees due to the health of their employees. This does not apply, however, to business owners with more than 50 employees.

Premiums for small group insurance will vary – but never be cancelled – based on the health of the employees. For large group insurance, there are no limits on premium variances. Healthcare Group of Arizona is available to the self employed and employers with more than 50 employees.

For the most up-to-date and accurate information, please contact the Arizona Department of Insurance below --

Arizona Department of Insurance
2910 N. 44th Street, Suite 210
Phoenix, AZ 85018
(800) 325-2548