Tag Archives: Affordable Care Act

Don't Miss Your Deadline!

The End is Near: March 31, 2014

NPH

It’s crunch time, and tomorrow may be too late. We know you understand the definition of a deadline, but what happens if you miss March 31? In short, nothing good!

Let’s run through a few questions you might have about what this deadline really means and why waiting might mean less money in your bank account.

What happens if I don’t enroll in a plan by March 31?

After the deadline, an individual can no longer enroll in a plan. You’d have to:

  • Wait until the next Open Enrollment Period (in Fall 2015)
  • Qualify for a Special Enrollment Period (for example, marriage or the birth of a child).

On top of that, you have to pay a tax penalty. And that doesn’t mean you’re covered, you’ll still have to pay 100% of your medical costs!

If I wait until the end of March to enroll, will I have to pay the tax penalty? I’ve heard if my gap in coverage is more than 3 months, I still have to pay.

As long as you’ve completed the application process by March 31, an exemption will keep you from having to pay a penalty on your 2015 tax returns.If you want to learn more about this exemption, visit the CMS’s Enrollment Period FAQ.

Does enrolling in a Short-Term plan save me from the tax penalty?

No. Individuals on short-term plans will pay the penalty on their 2015 tax return (unless they meet an exemption).

Can I change my plan after March 31?

No. You’ll have to wait until the 2015 Open Enrollment Period to make changes to your plan.

The only exception to this rule is adding a newborn. You have about a month to add your new little bundle of joy to your plan.

You can cancel your plan at any time, but depending how long you go without coverage, you may have to pay a penalty.

How will the government really know whether I have insurance?

Great question. When you submit your federal taxes in 2015, the forms will have a new question about health insurance coverage. Health insurance companies, like Health Alliance, will also have to send the IRS info about who has a coverage with us.

You still have time to enroll in a plan.  And we’re here to help you find one that fits your needs (yes, even if it’s in the last 10 minutes!)

Safe and Green While Cleaning

Green While Cleaning Your Home

Magazines, newspapers, TV, and the internet all remind you to go green whenever possible, at the office, while driving, even at the grocery store.  But what about at home? Do you go green while cleaning?

Even better, do you go green at home and save money while doing so?

Try a non-toxic approach to cleaning your house. Ammonia, bleach, and other toxins can be harmful to you, your children, and your pets. When there are affordable ways to clean all naturally, why not go green in your home?

Green While Cleaning Swaps

Swap these natural cleaning solutions for harsh store-bought chemicals.

Cleaning Countertops and Cutting Boards

Take hot tap water and mix with vinegar. Dip a nylon scrub pad into the water and scour your countertops and cutting boards. “That’s all you need to remove the bacterial film that even strong disinfectants have trouble penetrating,” says Allen Rathey, president of the Healthy House Institute.

Cleaning Toilets and Bathtubs

To combat stains, sprinkle a generous amount of baking soda on the surface and scrub with a brush. To kill germs or mold, spray the surface with a 10% vinegar, 90% water solution, and let sit for 30 minutes. Rinse with water when finished.

Cleaning Stains, Mildew, or Grease on Tile

Spray or douse the area with lemon juice or vinegar. Let sit a few minutes, then scrub with a stiff brush.

Cleaning Mirrors and Glass

In a spray bottle, mix a solution of 10% vinegar and 90% water. Spray the dirty glass and wipe down with a microfiber cloth. If you don’t like the smell of vinegar, you can substitute undiluted lemon juice or club soda.

Cleaning Wood Furniture

Barely dampen a microfiber cloth and wipe off dust. If you prefer a shine on your wood furniture, follow dust removal with a soft cloth dabbed with olive or lemon oil.

Removing Carpet Stains and Spills

Lift off any solids, then pour on club soda. Blot with a rag. The soda’s carbonation has the power to bring the spill to the surface, and the salts in the soda prevent and stop staining. For bigger spills, dump cornmeal on the mess, wait 5 to 15 minutes, and vacuum up the gunk.