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Question DetailsAsked on 8/28/2015

United Caring Asso. Freedom series Health Ins. Do they have good reviews

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They aren't rated well with the BBB or Ripoff Report.


Read the fine print.


The plan isn't considered minimum essential coverage, so you will still be liable for the shared responsibility tax payment on your taxes for not having real health insurance.


From their brochure:


*The individual mandate under the Affordable Care Act (“ACA”) generally requires individuals to maintain “minimum essential coverage” in 2014 and beyond, or be subject to payment of the annual shared responsibility payment, the amount of which is based, in part, upon the individual’s household income each year (See paragraph below for details). The UCA Freedom Series Membership plans provide insurance benefits as part of membership, which provide benefits on a periodic basis (e.g. daily/monthly) for covered services and are neither “essential health benefit plans” under the ACA, traditional major medical insurance plans, nor Workers Compensation plans under state law. These plans are “excepted benefit plans” under the ACA, but are not considered “minimum essential coverage” under it. Therefore, unless an insured under one of the UCA Freedom Series Membership plans has an exemption from the ACA’s individual mandate or maintains “minimum essential coverage” under the ACA the insured will be subject to the ACA’s “shared responsibility payment” (See paragraph below for details).
ACA Individual Mandate and Shared Responsibility Payment The individual mandate under the ACA generally requires individuals to have “minimum essential coverage” in 2014 and beyond, or be subject to payment of an annual “shared responsibility payment”, the amount of which is based, in part, upon the individual’s household income each year. The ACA’s “shared responsibility payment” has also been referred to from time to time as a tax and as a penalty, and is payable to the federal government. Specified Disease and Accident plans are exempt from the coverage and rating mandates of the ACA, and therefore are not considered “minimum essential coverage” under the ACA. If an individual (a) does not receive an ACA exemption annually from the federal government for the individual mandate, or (b) does not maintain “minimum essential coverage” under the ACA for 9 or more consecutive months during each year, (including coverage under one of the following types of plans (i) an employer sponsored group health plan, (ii) a grandfathered health plan, (iii) a non-grandfathered health plan for which the government has granted a waiver of the individual mandate, or (iv) an ACA essential health benefits plan), he will be subject to the ACA’s annual “shared responsibility payment”, even if covered under one of the plans. For additional information on the individual mandate, “shared responsibility payment”, exemptions from the mandate and other matters concerning the ACA, please visit www.healthcare.
gov, the federal government’s website.


1Programs and benefits are provided to you as part of the privileges of your membership in UCA, but are NOT HEALTH INSURANCE.

Source: https://www.iHealthBrokers.com

Answered 3 years ago by iHealthBrokers.com




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