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File: /home/agentsof/public_html/index.php
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Filename: drivers/Session_files_driver.php
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Filename: drivers/Session_files_driver.php
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File: /home/agentsof/public_html/index.php
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Filename: drivers/Session_files_driver.php
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File: /home/agentsof/public_html/index.php
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File: /home/agentsof/public_html/index.php
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File: /home/agentsof/public_html/index.php
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File: /home/agentsof/public_html/index.php
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File: /home/agentsof/public_html/application/controllers/Home.php
File: /home/agentsof/public_html/index.php
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File: /home/agentsof/public_html/application/controllers/Home.php
File: /home/agentsof/public_html/index.php
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File: /home/agentsof/public_html/application/controllers/Home.php
File: /home/agentsof/public_html/index.php
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Filename: Session/Session.php
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File: /home/agentsof/public_html/application/controllers/Home.php
File: /home/agentsof/public_html/index.php
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Filename: Session/Session.php
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File: /home/agentsof/public_html/application/controllers/Home.php
File: /home/agentsof/public_html/index.php
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Message: Creation of dynamic property Home::$session is deprecated
Filename: core/Loader.php
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File: /home/agentsof/public_html/application/controllers/Home.php
File: /home/agentsof/public_html/index.php
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Message: Creation of dynamic property Home::$email is deprecated
Filename: core/Loader.php
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File: /home/agentsof/public_html/application/controllers/Home.php
File: /home/agentsof/public_html/index.php
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Message: Creation of dynamic property Home::$pdf is deprecated
Filename: core/Loader.php
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File: /home/agentsof/public_html/application/controllers/Home.php
File: /home/agentsof/public_html/index.php
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Message: Creation of dynamic property Home::$db is deprecated
Filename: core/Loader.php
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File: /home/agentsof/public_html/application/controllers/Home.php
File: /home/agentsof/public_html/index.php
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Filename: database/DB_driver.php
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File: /home/agentsof/public_html/index.php
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Message: Creation of dynamic property Home::$form_validation is deprecated
Filename: core/Loader.php
Line Number: 1283
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File: /home/agentsof/public_html/application/controllers/Home.php
File: /home/agentsof/public_html/index.php
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Message: Creation of dynamic property Home::$adminmodel is deprecated
Filename: core/Loader.php
Line Number: 358
Backtrace:
File: /home/agentsof/public_html/application/controllers/Home.php
File: /home/agentsof/public_html/index.php
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Message: Creation of dynamic property Home::$leadmodel is deprecated
Filename: core/Loader.php
Line Number: 358
Backtrace:
File: /home/agentsof/public_html/application/controllers/Home.php
File: /home/agentsof/public_html/index.php
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Message: Creation of dynamic property Home::$clientmodel is deprecated
Filename: core/Loader.php
Line Number: 358
Backtrace:
File: /home/agentsof/public_html/application/controllers/Home.php
File: /home/agentsof/public_html/index.php
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Message: Creation of dynamic property Home::$pagination is deprecated
Filename: core/Loader.php
Line Number: 1283
Backtrace:
File: /home/agentsof/public_html/application/models/Pagemodel.php
File: /home/agentsof/public_html/application/controllers/Home.php
File: /home/agentsof/public_html/index.php
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Message: Creation of dynamic property Home::$pagemodel is deprecated
Filename: core/Loader.php
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File: /home/agentsof/public_html/application/controllers/Home.php
File: /home/agentsof/public_html/index.php
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Filename: core/Loader.php
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File: /home/agentsof/public_html/application/controllers/Home.php
File: /home/agentsof/public_html/index.php
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File: /home/agentsof/public_html/application/controllers/Home.php
File: /home/agentsof/public_html/index.php
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File: /home/agentsof/public_html/application/controllers/Home.php
File: /home/agentsof/public_html/index.php
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File: /home/agentsof/public_html/application/controllers/Home.php
File: /home/agentsof/public_html/index.php
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File: /home/agentsof/public_html/application/controllers/Home.php
File: /home/agentsof/public_html/index.php
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File: /home/agentsof/public_html/application/controllers/Home.php
File: /home/agentsof/public_html/index.php
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File: /home/agentsof/public_html/application/controllers/Home.php
File: /home/agentsof/public_html/index.php
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File: /home/agentsof/public_html/application/controllers/Home.php
File: /home/agentsof/public_html/index.php
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File: /home/agentsof/public_html/application/controllers/Home.php
File: /home/agentsof/public_html/index.php
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File: /home/agentsof/public_html/index.php
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File: /home/agentsof/public_html/index.php
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File: /home/agentsof/public_html/index.php
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File: /home/agentsof/public_html/index.php
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File: /home/agentsof/public_html/index.php
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File: /home/agentsof/public_html/index.php
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File: /home/agentsof/public_html/index.php
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File: /home/agentsof/public_html/index.php
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File: /home/agentsof/public_html/index.php
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File: /home/agentsof/public_html/index.php
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File: /home/agentsof/public_html/index.php
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File: /home/agentsof/public_html/index.php
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File: /home/agentsof/public_html/index.php
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File: /home/agentsof/public_html/index.php
Obamacare & the Insurance Broker
Obamacare & the Insurance Broker
By Marc Zimet, Esq. of Jampol Zimet LLC
The Patient Protection and Affordable Care Act, otherwise known as “Obamacare,” is scheduled to go into effect on January 1, 2014. Once in effect, it will drastically alter the manner in which health insurance is purchased and brokered in California. To comply with the Act, California is required to establish a health insurance exchange, allowing individuals and small businesses to purchase health insurance at competitive rates. This exchange is set to begin operation January 1, 2014. In order for brokers to participate in the exchange, they must first prove compliance with new federal and state rules and regulations.
California has been actively working towards creating new rules and regulations which will govern how brokers operate in the state. However, it appears that while federal law has its own set of regulations, California may be on its way towards creating stricter and more rigid regulations, placing a higher burden on the broker.
Obamacare has created different roles for brokers by which they may participate in the exchange: they may enroll as a “Navigator” or “Assister.” To enroll, it is most likely that brokers will be required to complete a short training and pass a certification test. Navigators will assist consumers in applying for health insurance and will receive compensation directly from the exchange for individuals they enroll. They do not have to be licensed agents or brokers. According to the National Association of Health Underwriters, this designation is not without its problems. It claims the distinction between advising clients regarding qualified health plans and simply aiding clients through the enrollment and eligibility process is unclear and, furthermore, it is not known how this distinction will be overseen and enforced. Additionally, there are no guidelines in place requiring Navigators to inform clients of non-exchange insurance plans, and the likelihood of fraud in this area is high.
Assisters are more akin to the traditional insurance broker and must, in fact, be licensed. An Assister will receive payment from third party health insurance carriers for enrolling individuals in the exchange. While a broker may choose to enroll as either a Navigator or Assister, if one chooses to enroll as a Navigator, one will be subject to compensation constraints and may only receive compensation directly from the exchange.
In addition to the new roles for brokers, the Act will only permit “qualified health plans” to be sold on the exchange, which must comply with federal and state rules. For example, federal law requires that such policies cover ten “essential health benefits” such a hospital stays, maternity care, pediatric care, and dental and vision. Federal law, in attempt to create more flexibility, excepts state exchanges from including dental coverage for children so long as it offers at least one pediatric dental plan. However, California has chosen to deny insurers the ability to combine medical and dental policies, requiring them to be offered separately; only one plan combining medical and pediatric dental has been approved. Any broker who chooses to participate in the exchange may sell policies outside of the exchange, on the condition that all policies be qualified health plans.
The date the new laws take effect is fast approaching. Brokers should utilize the remaining months to familiarize themselves with the minimum requirements for qualified health plans, as well as the compensation limits for Navigators and Assisters. The health insurance industry is changing quickly with brokers at the heart of the change. It is imperative for brokers to understand the changes about to occur so that they can not only stay abreast of the changes in their practice, but ensure compliance with the new rules and regulations.
For additional information, contact Marc at mzimet@jzlaw.com or (213) 689-8500
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