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Request An Affordable Care Act Quote!
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or any other type of health or life insurance!

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All Other:
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ACA April 2024



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Going to see the doctor soon? Prepare to be hounded with appointment reminders by phone. By text. By robocall. By email. And in your online “patient portal.”

Doctors' and dentists' offices for years left a courtesy voicemail on patients’ home answering machines giving them a heads-up about their appointment. But now, medical practices are flooding patients with reminders of upcoming appointments — and warnings of cancellation penalties.

The financial pressure for medical practices to keep patients from ghosting them is a major factor. Practices miss out on revenue when a patient doesn’t show up for an appointment or cancels at the last minute and the slot sits empty.

But the notifications are getting worse because new software systems enables medical providers to send automated messages to patients. Health care providers often have multiple notification systems — one for electronic medical records, another for prescription medications, and a different one from the marketing department, for example — that do not coordinate with each other. This can lead to notification overload for patients.

Read the entire article written by Natalia Gdovskaia that appeared on March 16 in CNN Business here.


The Health and Human Services Department issued a notice last June that they planned to curtail duration of short-term health insurance plans to 3 months plus a one-month renewal. Final regulations were expected to be issued in September and implemented 75 days later.

As of this writing, the regulations have NOT been issued and short- term health insurance plans continue to be offered. In Florida, such plans can be issued for up to 364 days and can be packaged in “tri-term” versions that can offer coverage up to three years with fixed or variable premiums (at the option of the buyer).

Although we may not be correct, it now appears that final regulations will not be issued, if ever (depending on who wins the election), until after the election.

Meanwhile, short-term plans continue to be available as an option for those who do not have a qualifying life event and hence cannot apply for an Affordable Care Act plan, and for those who are looking for lower cost health insurance. Short-term health insurance plans do not provide all ten essential health benefits required by the Affordable Care Act, have pre-existing condition limitations, and are meant for healthy individuals. However, they’re considerably less expensive than Affordable Care Act plans that are not eligible for subsidies (advance premium tax credits) or low subsidies.

Medical cost sharing plans (non-insured plans where individuals share medical expenses) also continue to be available as well. These are meant for healthy individuals who are willing to take a more active role in the management of their healthcare and who are “self-pay” patients. However, “share contributions” (you would call these premiums if these were insured plans) are very competitively priced, and share contributions are less than gross premiums (i.e., premiums before tax credits are applied) offered by Affordable Care Act plans.

Please contact us at 786-970-0740 if you need some form of health coverage (i.e., if you have a qualifying life event and qualify for an Affordable Care Act plan) or if you want more information about short term health insurance or medical cost sharing).



By Rhyan Henson

Published: March 23, 2024


The fourteenth anniversary of the Affordable Care Act occurred on March 23. See this video and article published by the Gray Washington News Bureau.

“Fourteen years ago, President Barack Obama signed the Affordable Care Act into law.

High premiums… few options… pre-existing conditions… all issues icing out millions of Americans looking for healthcare coverage at the time.

President Barack Obama’s solution, The Affordable Care Act, aka Obama Care. A program that’s still growing annually.

“President Biden was able to pass legislation that makes coverage under Obamacare even more affordable,” Christen Linke Young, Deputy Assistant to President for Health and Veterans Affairs said. “Saving families about $800 per person per year. Those savings have helped us to grow the program to new heights.”

Today, 45 million people have coverage for ten dollars or less a month via the landmark legislation. The healthcare plan has withstood dozens of Republican attacks through the years. The White house says the ACA keeps people and their bank accounts healthy.

“When people have access to health insurance, we see reduced rates of bankruptcy, we see reduced evictions, we see more savings in people’s bank accounts,” Linke Young said. “And that comes from the security that is associated with affordable health insurance.”

President Biden wants to continue to grow the legacy legislation by making the low premium prices permanent. The president has ambitions to cover all Americans one day.

“President Biden has laid out a clear vision where healthcare is a right not a privilege,” Linke Young said.

In contrast Donald Trump has promised, if elected, he’ll replace the program with something “much better” but hasn’t revealed any details.”

Copyright 2024 Gray DC. All rights reserved.

(EDITOR'S NOTE: President Biden has called for the extension of the increased tax tax subsidies (called advance premium tax credits) enacted by the American Rescue Plan Act and extended through December 31, 2025 by the Inflation Reduction Act to be made permanent.

Donald Trump has called for the repeal of the Affordable Care Act and its replacement but has not yet announced details of any proposed replacement plan.

About Paul Cholak

Paul has over forty years of benefits experience and has been Director of Employee Benefits for large companies, as well as a benefits consultant with major consulting firms. He understands the health and life insurance needs of individuals and families of all ages. He also has considerable experience in selling health and life insurance to employer groups.

He guides you through the steps of getting health and/or life insurance and is available to help you both BEFORE and AFTER you've made your purchase decision.

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Schedule For 2024
Affordable Care Act Enrollment

Affordable Care Act open enrollment for 2024 plans began November 1, 2023 and ended January 16, 2024 on the Federal Facilitated Marketplace (

You’re eligible to enroll ONLY if you have a Qualifying Life Event.
There are no pre-existing condition limitations.

Call Us At 786-970-0740 (Cell)
to determine what kind of plan you may be eligible for.

2024 Annual Enrollment Period For Medicare Eligibles

The Annual Enrollment Period for Medicare-eligibles that ran from October 15 through December 7, 2023 for a January 1, 2024 effective date has ended.

You’re eligible to enroll now ONLY if you’re first becoming eligible for Medicare or are eligible for another type of enrollment period. Enrollment rules differ between Medicare Supplement plans and Medicare Advantage, Medicare Advantage Prescription Drug, and separate Medicare drug coverage (Part D).

Call us at 877-734-3884 (TTY: 711) for details.

family consulting

We offer a comprehensive set of Affordable Care Act (“Obamacare”) plans

to individuals and families qualified to buy health (tax- and non-tax subsidized) insurance and dental/vision and/or hearing plans through the Federal marketplace (this is called buying “on-exchange” or “on-marketplace”) or directly from insurance carriers (this is referred to as buying “off-exchange or -marketplace”). Our Affordable Care Act policies comply with the Affordable Care Act and contain all of the “essential health benefits” required by that law.

The dental/vision and/or hearing insurance

products are available both on an insured or discount basis

We offer short-term health insurance policies

for those who are looking for more inexpensive coverage and shorter term alternatives.

We offer Medicare Supplement, Medicare Advantage, and Part D Drug plans

to Medicare-eligibles. Our site is compliant with federal, state, and carrier guidelines in selling these policies. See the Medicare-eligibles section of this site for details.

We represent many carriers that offer supplemental benefits

to both individuals and families and Medicare beneficiaries, and the site contains information about hospital indemnity, cancer, critical illness, gap, accident, and international medical insurance offered by many different carriers. This section of the site also contains valuable information and tools about lowering the cost of prescription medications. Call us if you want more information about or would like to enroll in one of these products.

We also offer Short- and Long-Term Disability products

and can also help you meet the costs of long-term care, nursing home, or short-term (recovery) care needs.

Finally, we have a complete array of Life, Final Expense, and Annuity products

and offer pre-need services in Florida, as we have both life insurance and pre-need licenses in that state.

You pay nothing for our services:

we’re paid directly from the carriers we represent, Premiums are NEVER EVER marked up to include paying us for our services: you pay the same whether you order directly from the carrier or the marketplace on your own or directly through us or from our site.

We ONLY offer alternatives that are suitable for you and for which we feel meet YOUR needs.
When or if we feel a product or service is not appropriate for you from either a cost or benefit point of view we will tell you so.

We’re fully compliant with privacy and security guidelines, have signed all required privacy and security agreements, have developed a privacy and security policy, and take extraordinary steps to safeguard your protected health and personal information.
In short, we’re experts in all aspects of health and life insurance and also have relationships with professionals who can help you with very specialized situations.

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