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ACA December 2022

Volume 4, Number 39




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Latest News and Updates

The first phase of Affordable Care Act open enrollment ends December 15. You need to pick a plan and enroll by this date if you would like a plan with an effective date of January 1.


The average length of hospital stay in the United States is 4.6 days. This means that the average U.S. worker must work 504 hours to pay for an average hospital stay.


The third article explains how you can reduce your COVID 19 and flu risk.


While ACA open enrollment runs through January 15, you must choose a plan and enroll by December 15, as well as make the first month’s payment (called a “binder payment”) before January 1 if you are enrolling for the first time or changing carriers to have a January 1 effective date.

If you choose a plan and enroll between December 16 and January 15 (as well as make any applicable binder payment before February 1), your effective date will be February 1, 2023.

If you don’t enroll by January 15 you can enroll thereafter (and before the 2024 open enrollment period)ONLY if you have a qualifying life event, e.g., loss of employer group coverage; move outside of the service area; lose Medicaid status; marriage; and birth or adoption of a child. Some qualifying life events require you to have prior coverage and others do not. (You do not have to have prior coverage or a qualifying life event to enroll during open enrollment.) 

Remember To Choose A Primary Doctor And Submit Any Required Proof

All of my clients have chosen plans that are either HMO or EPO (Exclusive Provider Organization) plans. Both of these types of plans require that the subscriber choose and utilize a primary care doctor for primary care services. If the subscriber doesn't choose a primary care physician, the carrier will automatically assign one.

I've advised all clients (1) to call their carrier about 5 days after choosing their 2023 plan to verify the carrier shows the client enrolled in the chosen plan with the net premium indicated at time of enrollment; (2) to make a binder (advance payment of the first month's premium) payment (or verify that the binder payment is reflected in the carrier's records if the first payment was made online at time of enrollment) if they are changing carriers or enrolling for the first time; and (3) to make sure payment provisions are made for all of 2023.

In addition, clients changing to new carriers or enrolling for the first time should choose a primary care doctor when they call in to the carrier per the above paragraph. Many carriers also permit this choice to be made online.

Also, a few clients received notices when they enrolled that they must provide certain proof (e.g., income, citizenship status, Social Security number) when they made their application. Generally, these proofs must be provided within 90 or 93 days, depending on the type of proof required. Failure to provide such proof within the required time frame can result in loss of coverage.

Please contact us at 786-970-0740 (cell) if you have any questions or need any help on the above.


According to an October 21 article in Value Penguin, the length of an average hospital stay in the U.S. is 4.6 days.  

The national average cost of a hospital stay (the latest year for which data are available is 2020) is $2873 per day. Based on the national average hourly wage of $26.22, this means that the average person works 504 hours to pay for the average 4.6 day stay. This is a 98% increase since 2004 and is a 35% increase in real income terms.  (In Florida the average cost of a 4.6-day stay is $11,637. This works out to $2530 per day and based on the average Florida wage of $24.98 means that the average person works 476 hours to pay for the average length of stay.)



COVID lingers, flu season is at hand and germs are everywhere. This article by Jessica Migala that appeared in the October 28 issue of the AARP Bulletin tells you how you can reduce your risk

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.

Learn About The Services We Offer
Contact Us
Local: 561-734-3884
Toll-free: 877-734-3884
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2023 Schedule
Affordable Care Act Open Enrollment

Affordable Care Act open enrollment began November 1, 2022 and ends January 15, 2023 on the Federal Facilitated Marketplace (
You do NOT need a Qualifying Life Event if you buy a 2023 plan during Open Enrollment.

Call us at 561-734-3884 or 877-734-3884 to determine
what kind of plan you may be eligible for.

2023 Schedule
Medicare Annual Enrollment Period

The Medicare Annual Enrollment Period runs from October 15 through December 7, 2022 for a January 1, 2023 effective date.

Otherwise, you’re eligible to enroll 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 stand-alone Prescription Drug Plans.

Call us at 561-734-3884 (TTY: 711) or 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 beneficiaries. Our site is compliant with federal, state, and carrier guidelines in selling these policies. See the Medicare 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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