Skip to main content

Mountain Connection

There’s help if you need health insurance

02/05/2014 14:17, Published by Jacqueline, Categories: Health+Wellness


Ed Regalado is a licensed insurance agent and president of Evergreen Health Insurance. He is a certified broker with Connect for Health CO and has an office at 28265 Highway 74 in downtown Evergreen. He can be reached at 303-674-1945 or send an email to ed@evergreenhealthins.com.



by Edward Regalado

The Affordable Care Act or as some know it, Obamacare is here. You’ve read about it, heard about it and, even if you currently have health insurance, you need to know about it. 

 If you don’t have health insurance because it was too expensive, it might now be affordable.  If you couldn’t get insurance before because of a pre-existing condition, now you can! 

The problem: signing up can be a hassle. 

A client of mine, I will call him Henry, was suddenly unemployed. He is 60 and single. COBRA was just too expensive. He went to the Marketplace website for help. 

 “I’m a computer guy and I couldn’t get through the process,” he said. 

So he came to me and we ended up enrolling him in a plan with a zero deductible at a cost of $115.18 per month. Henry qualified for other options with high deductibles that were as low as $7 per month, he wanted better coverage.

It’s hardly a surprise that even Henry, a “computer guy,” was overwhelmed, frustrated and confused. And according to news reports, he is far from alone.  

The ConnectforHealthCO.com website is steadily getting better. The staff is friendly and I give them high marks for trying to help.

But, most are not licensed brokers, so they are limited to the advice they can legally provide. If you choose to use a certified broker, it is free of charge; the insurance company pays the commission.
Henry received a tax credit of $440.08 per month based on his age and adjusted gross income. As a result, he was able to buy a rich plan at a low cost. 

If you want to qualify for a tax credit, you must first apply for Medicaid and be denied, this process has been difficult for many. 

If you are a single person making more than $1,274 per month and less than $3,830 you should qualify for some type of tax credit. For a household of two, the minimum is $1,720 and the maximum $5,168. So far about 80% of those applying have qualified for a tax credit. 

One important point: You must pay a penalty if you don’t have health insurance in effect by April 1.
 In next month’s article, I will go over the differences among the various insurance carriers and plans. I will discuss who the winners and losers are in this new environment.    
                                              
Ed Regalado is a licensed insurance agent and president of Evergreen Health Insurance. He is a certified broker with Connect for Health CO and has an office at 28265 Highway 74 in downtown Evergreen. He can be reached at 303-674-1945 or send an email to ed@evergreenhealthins.com.


Evergreen Colorado edward regalado obamacare health insurance evergreen health insurance connectforhealthcocom


  • Food Stamp (SNAP) Enrollment Assistance

    01/20/2017
    09:30AM — 04:00PM

    Will your child receive free or reduced lunches this year? You may qualify for SNAP benefits ...


  • RFK - A Portrait of Robert Kennedy

    01/20/2017
    07:30PM — 10:00PM

    Evergreen Players/Vintage Theatre presents "RFK - This tour-de-force one-man show breathes new l...


  • Man of La Mancha

    01/20/2017
    07:30PM — 10:00PM

    This critically acclaimed American musical is inspired by Miguel de Cervantes's seventeenth centu...


  • Evergreen Players 2017 Season

    01/20/2017
    07:30PM — 10:00PM

    Evergreen Players proudly announces its 2017 season at Center Stage in Evergreen. Beginning with...


  • The Edge Theater Company presents Burn This

    01/20/2017
    08:00PM — 10:30PM

    Anna and Larry have just returned from the funeral of their best friend and roommate, Robbie. Ann...


  • RFK - A Portrait of Robert Kennedy

    01/21/2017
    07:30PM — 10:00PM

    Evergreen Players/Vintage Theatre presents "RFK - This tour-de-force one-man show breathes new l...


  • Man of La Mancha

    01/21/2017
    07:30PM — 10:00PM

    This critically acclaimed American musical is inspired by Miguel de Cervantes's seventeenth centu...


  • Evergreen Players 2017 Season

    01/21/2017
    07:30PM — 10:00PM

    Evergreen Players proudly announces its 2017 season at Center Stage in Evergreen. Beginning with...


  • The Edge Theater Company presents Burn This

    01/21/2017
    08:00PM — 10:30PM

    Anna and Larry have just returned from the funeral of their best friend and roommate, Robbie. Ann...


  • ALCOHOLICS ANONYMOUS

    01/22/2017
    05:30PM — 06:30PM

    Alcoholics Anonymous is a fellowship of men and women who share their experience, strength and ho...


  • RFK - A Portrait of Robert Kennedy

    01/22/2017
    07:30PM — 10:00PM

    Evergreen Players/Vintage Theatre presents "RFK - This tour-de-force one-man show breathes new l...


  • Man of La Mancha

    01/22/2017
    07:30PM — 10:00PM

    This critically acclaimed American musical is inspired by Miguel de Cervantes's seventeenth centu...


  • Evergreen Players 2017 Season

    01/22/2017
    07:30PM — 10:00PM

    Evergreen Players proudly announces its 2017 season at Center Stage in Evergreen. Beginning with...


  • The Edge Theater Company presents Burn This

    01/22/2017
    08:00PM — 10:30PM

    Anna and Larry have just returned from the funeral of their best friend and roommate, Robbie. Ann...


  • Men's Revival Night

    01/25/2017
    07:00PM — 09:00PM

    On the 4th Wednesday of each month, the guys from Ascent Church would like to invite guys in our ...


  • Food Stamp (SNAP) Enrollment Assistance

    01/26/2017
    09:30AM — 04:00PM

    Will your child receive free or reduced lunches this year? You may qualify for SNAP benefits ...


  • Alcoholics Anonymous

    01/26/2017
    12:00PM — 01:00PM

    Alcoholics Anonymous is a fellowship of men and women who share their experience, strength and ho...


  • A Beginner's History of Lookout Mountain

    01/26/2017
    06:30PM — 07:30PM

    Come to the top of Lookout Mountain to get a sweeping historical overview of this Jefferson Count...


  • MEN'S RETREAT

    01/26/2017
    07:30PM — 11:30AM

    Guys are invited to join us Thursday evening, January 26th through midday Saturday, January 28th ...


  • NARCOTICS ANONYMOUS

    01/26/2017
    07:30PM — 08:30PM

    Drug problem? NA can help! Join us Thursdays from 7:30-8:30 pm at Ascent Church, located at 298...


  • Food Stamp (SNAP) Enrollment Assistance

    01/20/2017
    09:30AM — 04:00PM

    Will your child receive free or reduced lunches this year? You may qualify for SNAP benefits ...


  • RFK - A Portrait of Robert Kennedy

    01/20/2017
    07:30PM — 10:00PM

    Evergreen Players/Vintage Theatre presents "RFK - This tour-de-force one-man show breathes new l...


  • Man of La Mancha

    01/20/2017
    07:30PM — 10:00PM

    This critically acclaimed American musical is inspired by Miguel de Cervantes's seventeenth centu...


  • Evergreen Players 2017 Season

    01/20/2017
    07:30PM — 10:00PM

    Evergreen Players proudly announces its 2017 season at Center Stage in Evergreen. Beginning with...


  • The Edge Theater Company presents Burn This

    01/20/2017
    08:00PM — 10:30PM

    Anna and Larry have just returned from the funeral of their best friend and roommate, Robbie. Ann...


  • RFK - A Portrait of Robert Kennedy

    01/21/2017
    07:30PM — 10:00PM

    Evergreen Players/Vintage Theatre presents "RFK - This tour-de-force one-man show breathes new l...


  • Man of La Mancha

    01/21/2017
    07:30PM — 10:00PM

    This critically acclaimed American musical is inspired by Miguel de Cervantes's seventeenth centu...


  • Evergreen Players 2017 Season

    01/21/2017
    07:30PM — 10:00PM

    Evergreen Players proudly announces its 2017 season at Center Stage in Evergreen. Beginning with...


  • The Edge Theater Company presents Burn This

    01/21/2017
    08:00PM — 10:30PM

    Anna and Larry have just returned from the funeral of their best friend and roommate, Robbie. Ann...


  • ALCOHOLICS ANONYMOUS

    01/22/2017
    05:30PM — 06:30PM

    Alcoholics Anonymous is a fellowship of men and women who share their experience, strength and ho...


  • RFK - A Portrait of Robert Kennedy

    01/22/2017
    07:30PM — 10:00PM

    Evergreen Players/Vintage Theatre presents "RFK - This tour-de-force one-man show breathes new l...


  • Man of La Mancha

    01/22/2017
    07:30PM — 10:00PM

    This critically acclaimed American musical is inspired by Miguel de Cervantes's seventeenth centu...


  • Evergreen Players 2017 Season

    01/22/2017
    07:30PM — 10:00PM

    Evergreen Players proudly announces its 2017 season at Center Stage in Evergreen. Beginning with...


  • The Edge Theater Company presents Burn This

    01/22/2017
    08:00PM — 10:30PM

    Anna and Larry have just returned from the funeral of their best friend and roommate, Robbie. Ann...


  • Food Stamp (SNAP) Enrollment Assistance

    01/23/2017
    09:30AM — 04:00PM

    Will your child receive free or reduced lunches this year? You may qualify for SNAP benefits ...


  • Food Stamp (SNAP) Enrollment Assistance

    01/24/2017
    09:30AM — 04:00PM

    Will your child receive free or reduced lunches this year? You may qualify for SNAP benefits ...


  • Men's Revival Night

    01/25/2017
    07:00PM — 09:00PM

    On the 4th Wednesday of each month, the guys from Ascent Church would like to invite guys in our ...


  • Food Stamp (SNAP) Enrollment Assistance

    01/26/2017
    09:30AM — 04:00PM

    Will your child receive free or reduced lunches this year? You may qualify for SNAP benefits ...


  • Alcoholics Anonymous

    01/26/2017
    12:00PM — 01:00PM

    Alcoholics Anonymous is a fellowship of men and women who share their experience, strength and ho...


  • A Beginner's History of Lookout Mountain

    01/26/2017
    06:30PM — 07:30PM

    Come to the top of Lookout Mountain to get a sweeping historical overview of this Jefferson Count...


  • NARCOTICS ANONYMOUS

    01/26/2017
    07:30PM — 08:30PM

    Drug problem? NA can help! Join us Thursdays from 7:30-8:30 pm at Ascent Church, located at 298...


  • MEN'S RETREAT

    01/26/2017
    07:30PM — 11:30AM

    Guys are invited to join us Thursday evening, January 26th through midday Saturday, January 28th ...


  • Food Stamp (SNAP) Enrollment Assistance

    01/27/2017
    09:30AM — 04:00PM

    Will your child receive free or reduced lunches this year? You may qualify for SNAP benefits ...


  • Gallery 1261 Presents Small Works

    01/27/2017
    11:00AM — 06:00PM

    This group exhibit features works spanning multiple genres that are small in scale but big in ide...


  • StageDoor Theatre presents SOMETHING'S AFOOT

    01/27/2017
    07:30PM — 09:30PM

    The Adult Company enthusiastically presents this musical spoof on the classic Agatha Christie mur...


  • Miners Alley Playhouse - HIR

    01/27/2017
    07:30PM — 10:00PM

    Miners Alley presents the Regional Premiere of "HIR" - By Taylor Mac - Directed by Josh Hartwell ...


  • Evergreen Players 2017 Season

    01/27/2017
    07:30PM — 10:00PM

    Evergreen Players proudly announces its 2017 season at Center Stage in Evergreen. Beginning with...


  • MEN'S RETREAT

    01/27/2017
    07:30PM — 11:30AM

    Guys are invited to join us Thursday evening, January 26th through midday Saturday, January 28th ...


  • The Edge Theater Company presents Burn This

    01/27/2017
    08:00PM — 10:30PM

    Anna and Larry have just returned from the funeral of their best friend and roommate, Robbie. Ann...


  • Gallery 1261 Presents Small Works

    01/28/2017
    11:00AM — 06:00PM

    This group exhibit features works spanning multiple genres that are small in scale but big in ide...


  • StageDoor Theatre presents SOMETHING'S AFOOT

    01/28/2017
    07:30PM — 09:30PM

    The Adult Company enthusiastically presents this musical spoof on the classic Agatha Christie mur...


  • Miners Alley Playhouse - HIR

    01/28/2017
    07:30PM — 10:00PM

    Miners Alley presents the Regional Premiere of "HIR" - By Taylor Mac - Directed by Josh Hartwell ...


  • Evergreen Players 2017 Season

    01/28/2017
    07:30PM — 10:00PM

    Evergreen Players proudly announces its 2017 season at Center Stage in Evergreen. Beginning with...


  • The Edge Theater Company presents Burn This

    01/28/2017
    08:00PM — 10:30PM

    Anna and Larry have just returned from the funeral of their best friend and roommate, Robbie. Ann...


  • ALCOHOLICS ANONYMOUS

    01/29/2017
    05:30PM — 06:30PM

    Alcoholics Anonymous is a fellowship of men and women who share their experience, strength and ho...


  • Miners Alley Playhouse - HIR

    01/29/2017
    07:30PM — 10:00PM

    Miners Alley presents the Regional Premiere of "HIR" - By Taylor Mac - Directed by Josh Hartwell ...


  • Evergreen Players 2017 Season

    01/29/2017
    07:30PM — 10:00PM

    Evergreen Players proudly announces its 2017 season at Center Stage in Evergreen. Beginning with...


  • The Edge Theater Company presents Burn This

    01/29/2017
    08:00PM — 10:30PM

    Anna and Larry have just returned from the funeral of their best friend and roommate, Robbie. Ann...


  • Food Stamp (SNAP) Enrollment Assistance

    01/30/2017
    09:30AM — 04:00PM

    Will your child receive free or reduced lunches this year? You may qualify for SNAP benefits ...


Click to view the entire 285 Chambers Directory
Click to view the entire 2014 Health & Wellness Directory