Marketplace**Obamacare terminations due to missing documents

Please comply and send in any documents that are required by the Health Insurance Marketplace (aka These subsidy eligible plans often require documents such as wage statements or birth certificate, to prove your subsidy eligibility. If they do not receive it, they can terminate your health plan. Enrollments- READ !!

Looks like the carrier links that are supposed to be linked with website are not working fully at this time. So, please check of the box that "Another person is helping you complete my application", enter Michele Herbert and my NPN 3026962. I will then be tied as your agent. Once you get your rates, you can call or send me an email if you have a question before submitting the enrollment.

Health Care Log On Issues

I have noticed delays and errors with people creating accounts with over the recent weeks and days. The Government has made recent updates to the enrollment website (, and this has prompted some recently created accounts to be deactivated and/or usernames not working.

Response from Carriers Regarding VA Assembly Legislation

Anthem and Optima Health Respond to Virginia Assembly Emergency Legislation
Both Anthem and Optima Health have made the decision not to implement the General Assembly's approved legislation allowing health insurance companies the option to renew plans that do not meet ACA standards. Below are statements from each.

Health Care Open Enrollment Begins Nov. 15th

Open enrollment begins Nov. 15th (for those aged under 65), with the earliest effective date of January 1, 2015. The enrollment period lasts through February 15th. Effective dates will be the first of the month for applications processed by the 15th of the month (with earliest start date of January 1). Click on our link for Individuals to compare plans, check for subsidies, and enroll!

Health Care Law Tax Penalty Waivers: How to Claim?

Hopefully you do have health insurance, but if for some reason you did not in 2014, you may be able to file for a waiver from the ACA tax penalty. As most of those who signed up through had a lengthy process, the waiver process may be just as complicated. But, it may be worth it to give it a try. The penalty for going uninsured is not just $95 per person for 2014, but the greater of that or 1% of your household income.