Let me tell you, this is Dr. Taffy. Right before the enrollment period for traditional health insurance closed, it was as if the emails and the phone calls begin pouring in even more. Why? People waited until the last minute to contact their local healthcare exchanges or they had contacted them, didn’t like what the premium was and was looking for an alternative.
There I was burning the midnight oil. I get calls or messages through Facebook sometimes it is 10 at night!! Can you contact a traditional health insurance agent at midnight? Let alone get someone in less than 24 hours. I have people tagging me in different groups on Facebook because they know I can explain Obamacare, Medicare, Medicaid to some degree and then provide alternatives if their current insurance model is not working.
When it is not traditional insurance, then it is the dental aspect. Stay tuned because I saw a news story regarding dental the other day that had my stomach in knots.
Beyond insurance, the next hot topic becomes the penalty for not having insurance. There I was creating a product that people could purchase to understand whether or not they qualified for an exemption or waiver. From the research that I’ve done, there will be a lot of people paying the penalty due to laziness. Yes I said it!! People are CHOOSING not to read. I read a story where the IRS said 300,000 people paid the penalty for 2014 and didn’t have to.
Some of it is laziness and there are tax professionals that don’t know what the waivers and exemptions are. I kid you not. I saw several people paid the penalty who had health insurance for 10 of the 12 months!! They paid for the two months they didn’t have health insurance!! WRONG!! That is one of the exemptions. I reached out to two of those people. Did I hear anything? NO! So they gave away money they didn’t have to.
I would have been the person contacting the tax preparer letting them know they would be filing an amendment on my behalf and wouldn’t be charging me for it since they didn’t know. PEOPLE PLEASE – KNOW more than the tax preparer when it comes to the exemptions and waivers.
You can go to this page and grab the report – http://www.ownyourhealthcare.com/sales-page