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If you get divorced or legally separated in , you must sign up for a new health insurance plan after you separate. Glenview gives initial approval to Costco gas station expansion, new Starbucks In separate votes, the Glenview Board of Trustees gave initial approval Monday to proposals that would add fueling stations at the Costco Wholesale gas station and a Starbucks with a drive-thru in the Glenbrook Marketplace. The exhibit features 30 pieces of art created by 14 students. Tough luck for all those Democrats who bet their political careers on backing Obamacare. New Obamacare rules to watch out for While the enrollment procedure remains largely unchanged this year, there are a few new rules experts say are worth your attention:

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Being a Catholic means having feelings of anger and revulsion. Does hope fit in? To be a Catholic right now is to struggle with emotions of anger, revulsion, skepticism, As Northbrook discusses Grainger property plans, home development proposed across the street As Northbrook administrators consider their plans for the recently purchased Grainger property, the Board of Trustees has been reviewing a proposal to build 11 homes across the street. In January, the village entered into an agreement with Grainger, Inc.

Northbrook board seeks change to composting rules The Northbrook Board of Trustees directed staff to make changes to ordinances related to composting after residents and a trustee raised concerns about compostable materials and the process.

From a new car to paying for nursing school — what 34 divorced women did after selling the ring It was almost 20 years ago, but I can still vividly remember the moment my boyfriend asked me to marry him, and then pulled out a diamond engagement ring.

It was a cold winter night, and we were sitting on the rug in front of my fireplace in my downtown condo. When I saw the little box, I was in Health insurers and other corporations analyze our plentiful personal data, then devise ways to profit from findings I recently read a ProPublica article that both concerned me and inspired me to learn more.

According to the post, health insurance companies are now purchasing information She graduated from the Miami University in Ohio with a degree in business. She has been married to her husband, Barry Ramsay, for 11 years. Carlisle, who has two children, Hundreds attended an afternoon and evening of food, games and live music at the Techny Road facility Glenbrook District board to interview final firms for superintendent search The Glenbrook High Schools District Board of Education will interview the final two search firms during a special meeting Sept.

The district announced June 4 that Superintendent Michael Riggle will retire during Johnson, 19, of the block of East Big Horn Congregation Ahavat Olam was previously located at Christ United Methodist Church in Deerfield, but when the congregation outgrew the space Landsman said she moved Change the schedule and expand the playoffs. Baseball is due for a radical overhaul. The designated hitter rule has been in place for 45 years, but only for the American League.

All I'm askin' is for a little respect There are certain elements I think most couples deem necessary for sustaining a happy, healthy romantic relationship. These include trust, loyalty, thoughtfulness, likability and laughter, to name a few. Stefanie Shefler, new assistant principal at Westbrook Stefanie Shefler, 31, was recently hired as the assistant principal at Westbrook Elementary School, but it is not the first time she has worked at Glenview School District Shefler worked at District 34 for five years in different roles before becoming an assistant principal for Community Consolidated When employer deducts health insurance premiums but provides no insurance, who can help?

After construction delay, Shermer Road bridge could reopen in November After a utility delay, the Shermer Road Bridge Replacement Project has resumed and is projected to be completed by November, according to Northbrook officials. The Shermer Road bridge needs to be replaced because it has outlived its useful life, said Matt Farmer, village engineer.

Area schools look to shrink the gender gap in STEM classes As a new school year starts, educators and students in the north suburbs are confronting what they say is a gender gap in STEM classes. Educators say they are seeing significantly more male students enrolled in science, technology, engineering and math classes. The gap has dropped in the last few Northbrook resident's information used to purchase vehicle The following items were taken from Northbrook Police Department reports and releases.

Someone took several items of merchandise from a business in the Deerfield gym aims to increase physical, mental strength of those with neurological conditions It has all the trappings of your average gym. Treadmills line the room, punching bags gently sway and trainers energetically push their clients to take that extra step. But if you look closer, the unique aspects of Movement Revolution in Deerfield begin to come into focus. The treadmills are outfitted New homeowners face difficulties when removing photos from online listings We recently purchased a property and, like many other consumers, we want the listing photos removed for both privacy and security reasons.

However, as you may know, this is a huge problem. Eating Recovery Center gets initial approval in Northbrook Eating Recovery Center is one step away from opening an inpatient adolescent center in Northbrook after an initial vote of approval from the Board of Trustees Tuesday.

The center, which offers treatment for anorexia, bulimia, binge eating disorder and other eating disorders, filed an application Sally Toland, light design specialist Sally Toland, 57, is a customer service and light design specialist at Edwards Florist of Northbrook. She has worked there since October She studied nursing at Marymount University in Arlington, Virginia. She has been married to her husband, Bob, for 33 years, and they have three daughters At first glance, they seem just like everyone else.

They live regular lives in their communities, they go shopping, send their kids to school, love America and take their duties Their love seemed so strong, almost indestructible. But as a something-year-old divorced woman, I totally get it. Glenview native Molly Yeh is Food Network's newest star Molly Yeh, 29, has taken an unconventional path to television stardom. Armenian Fest in Glenview incorporates faith and cultural pride Armenian spiritual and cultural identity was celebrated this weekend at the Armenian Fest at All Saints Apostolic Church of Glenview.

The primary purpose of the event is to honor the feast of the Assumption of Mary on Aug. Superintendent search, student wellness among this year's priorities in District The Glenbrook High Schools District administration will focus on a search for a new superintendent and performance opportunities in the arts this coming school year.

Superintendent Michael Riggle presented the Board of Education with six initiatives Monday that will guide their focus for the Shuttered Holy Cross School in Deerfield may find new life as Cove School campus Students may once again grace the halls of the former Holy Cross School if Deerfield approves a proposed special use permit allowing the Cove School to move its high school and post-secondary program from Northbrook.

Representatives of the Cove School and the Archdiocese of Chicago, the owner of A year of retirements and promotions for Northbrook police and fire departments For the past year, the Northbrook police and fire departments have seen major changes in their managerial ranks as some officials retired and others were promoted. Glenview, Northbrook residents scammed out of Lollapalooza tickets A handful of Glenview and Northbrook residents were left without tickets after trying to purchase Lollapalooza passes online earlier this month.

The four-day music festival in Chicago attracts thousands to Grant Park, but for some area residents their attempts at online ticket purchases were thwarted How to stay secure when all your devices rely on the Internet of Things Have you ever stopped to think about how many items in your home are connected to the internet?

If you have or even if you are doing it just now , have you stopped to wonder why? West Nile virus at levels not seen since , North Shore agency says The risk of West Nile virus infection is at a level not seen since when an outbreak infected Illinois residents, the North Shore Mosquito Abatement District announced Thursday.

The infection rate of mosquitoes collected in district traps during the past week has increased significantly, Lurie Children's Hospital to open outpatient surgical facility in Northbrook A new pediatric outpatient facility will open in Northbrook Sept. The new facility includes If you grew up in northern Illinois, you probably have great memories of summer vacations or long weekends on the Chain.

Those memories are full of wonderful moments of learning to swim, catching your first blue gill I have gotten dozens of emails from readers sharing their stories and asking for advice. Here is one I received this past week: My husband has admitted She is currently a student at Colby College in Maine where she studies English and art.

She graduated from Glenbrook South High School in At Glenbrook South, she illustrated for the student newspaper, The Presented by the Northbrook Civic Foundation, the festival began on Aug. The five-day fest raises money for need-based college scholarships for Northbrook students along with community Priest completes th triathlon in Glenview: Schultz was commemorating his th triathlon.

Before the race started, the Schiller Park priest said he was surprised when the announcer shared with the crowd that he Prepare for the unexpected when shopping for new cars I came across your great article, "Consumer learns new car warranty started prior to purchase," while doing research on our potential new vehicle purchase.

We are in the process of buying a Hyundai and now the dealer has informed us the vehicle promised was already sold. Infants visit the doctor times in their first 18 months, and they receive dozens of immunizations during that time.

For the Moores, the out-of-pocket costs for preventive care would have overwhelmed their budget again. Under the guidelines of the Affordable Care Act, health care sharing ministries would never pass muster. Their website uses language that may lead you to believe otherwise.

Health care sharing ministries have been around since the s, led by Christian Healthcare Ministries. The organizations model their sharing plan after resource sharing ideals practiced by the early Christian church nearly 2, years ago. All the health care sharing ministries require that their members affirm some set of beliefs. Most specifically, they require participants to adhere to the Christian faith. Liberty HealthShare is an exception, according to Bellis. Bruno, of Altrua Healthshare, explained that members of Altrua adhere to a statement of standards instead of a statement of beliefs.

The standards are based on the Bible, but the ministry is non-denominational. One reason Melanie Moore loves health care sharing ministries is the sense of community and encouragement she receives from other members. Likewise, she sends notes of encouragement along with her monthly share check. All the health care sharing ministries encourage participants to pray and give words of encouragement to sick participants.

The ministries exist to foster community and to promote sharing. Anyone looking for an impersonal experience will need to look elsewhere. Each of the ministries is faithful to its heritage. These ministries are faith-centered, and they want to promote religious faith among their members. It is clear that these ministries want members to share more than medical bills. They want to promote a community of care among their members. Like the Moores, anyone considering a health care sharing ministry should think about their mindset, their faith, and their finances.

Be sure that the rewards of joining a ministry both financial and otherwise outweigh the associated risks. Due to a reporting error, the name of the ministry used by the Moore family was incorrectly noted. It is Samaritan Ministries, not Medi-Share. The card offers that appear on this site are from companies from which MagnifyMoney receives compensation. This compensation may impact how and where products appear on this site including, for example, the order in which they appear.

MagnifyMoney does not include all card companies or all card offers available in the marketplace. Hannah Rounds is a writer at MagnifyMoney. You can email Hannah here. This year, ACA applicants will have to wade through an average of 30 plans from two or three different insurers to make their insurance choice. The open enrollment period for Obamacare coverage begins Nov. Have any burning Obamacare questions?

Send us a note at info magnifymoney. Bronze, silver, gold, platinum: Choosing the right plan for your needs. The ACA touched almost every aspect of the health insurance industry. It had implications for employer-run health insurance plans.

For government health plans, too. Many people who buy health insurance through the exchanges say they purchased Obamacare plans. You must get health insurance coverage, or you will most likely pay a penalty at tax time. You can get qualified health insurance through your employer or a government program.

Most Americans can purchase health insurance through a health care exchange. Most long-term, legal immigrants to the United States may purchase insurance. Most large employers and some midsize or small companies offer health insurance benefits to their employees. If your employer offers affordable health insurance to you costing less than 9. Incarcerated people and those living outside the United States cannot purchase insurance through the marketplace.

One major factor to consider when weighing the options is your expected tax subsidy. Most people buying insurance through the health care exchanges will qualify for a health insurance subsidy.

This subsidy is applied in the form a credit that immediately reduces the cost of your Obamacare plan coverage. According to a study from the Centers of Medicare and Medicaid Services, 84 percent of people who purchased insurance through a health care exchange qualified for a health insurance subsidy in The easiest way to calculate the subsidy you will receive is to use a subsidy estimator from HealthCare.

Both calculators estimate your subsidy based on the information you provide. They also help you understand what factors affect your subsidy estimations. Your income, household size and the cost of premiums in your state factor into your subsidy.

Premium tax credits can help reduce the amount that you will spend on monthly premiums to a set percentage of your income. You will receive the same subsidy, no matter which plan you ultimately choose. Below you can see the maximum amount you will spend on insurance premiums for a silver plan based on your income. Check if you qualify for expanded Medicaid.

Children will qualify for CHIP. Children in 46 states will qualify for CHIP. You may qualify for extra savings if you purchase a silver plan. In some states, children will qualify for CHIP. Your subsidy can change if your circumstances change. Instead, they will receive free or low-cost insurance through CHIP. You can enroll your children in CHIP through the health insurance marketplace, or by calling You may need to speak with a Medicaid agent in your state to see if you qualify. Your children may qualify for CHIP even if you and your spouse qualify for an employer-sponsored health insurance plan, though this rule varies by state.

In some states, families that have children and employer-based coverage may receive financial assistance to purchase the coverage. Some employers only offer health insurance to their employees.

Spouses and children cannot get covered. In that case, you can buy insurance with a subsidy through the marketplace. If an employee can gain individual coverage for himself or herself for less than 9. If you are caught in this situation, your children may qualify for CHIP. However, uncovered spouses and children must purchase insurance or pay the individual mandate penalty unless coverage for the family costs more than 8.

Even in those cases, you will still not qualify for premium assistance. Senator Al Franken, D-Minn. Once you get married, your subsidy is based on your joint income and your qualifying family. You need to report a marriage to be eligible for a special enrollment period on HealthCare.

If you get divorced or legally separated in , you must sign up for a new health insurance plan after you separate. Your subsidy will be based on your income and household size at the end of the year. For the months you are married, each spouse divides advanced subsidies received to each new household. If spouses cannot agree on a percentage, the default is 50 percent. If the plan only covered one taxpayer and his or her dependents, then the advanced tax credits apply percent to that spouse.

Divorce reduces your income, but it also reduces your household size. These factors change your estimated subsidy. How much will depend on the magnitude of each change. Reporting a divorce makes you eligible for a special enrollment period. When you enroll in a new plan, the exchange website will help you estimate your new subsidy for the remainder of the year. If you miss this window, your child will not have health coverage, and you will pay a penalty. However, if you enroll your child in a timely manner, you can expect your subsidy to increase.

Report the birth or adoption of a child to be eligible for a special enrollment period on HealthCare. A newborn or adopted child may be eligible for CHIP rather than subsidized health insurance. You will have a day special enrollment period to get your own plan from the health care exchange when you turn You may also be eligible for a special enrollment period from an employer-sponsored health plan. If you fail to have health insurance for more than three months, you will pay a penalty.

If you lose employer-based health coverage, you can either enroll in COBRA or purchase a plan through the health care exchange. Once you enroll in COBRA, you become ineligible to purchase subsidized coverage through the exchange. You need to report job status changes to be eligible for a special enrollment period on HealthCare. Premium tax credits are based on your annual income. If you increase your income, you will be expected to pay back some or all of the advance premium you received.

If you earn more than percent of the federal poverty line, all premiums need to be repaid. You need to report income changes to avoid under- or overpaying on your premiums throughout the year. Most insurance plans that you purchase through the marketplace are state- and county-specific.

If you move, you need to report the relocation through the insurance exchange. You may have to change insurance plans after moving. Moving to Alaska or Hawaii will allow you to claim a greater subsidy amount than you can claim in the lower 48 states. If you move from Alaska or Hawaii, you can continue to claim the higher subsidy amount for the whole year.

Metal categories are based on how you and your plan split the costs of your health care. They often come with higher out-of-pocket expenses, like deductibles, which can make them very expensive if you end up needing lots of medical care through the year. Think of this way — the higher the premium, the more comprehensive the coverage will be and the lower your out-of-pocket costs.

Bronze health plans offer the least amount of estimated coverage. Insurers expect to cover 60 percent of the health care costs of the typical population. These plans feature the lowest monthly premiums, the highest deductibles and high out-of-pocket maximum expenses. Just under one-quarter 23 percent of health insurance enrollees opted for a Bronze plan in Silver health plans offer moderate estimated coverage.

Insurers expect to cover 70 percent of health care costs, and plan members cover the remaining 30 percent. In , 71 percent of all participants in the health care exchanges opted for a silver plan. Gold health plans offer high levels of estimated coverage. Insurers expect to cover 80 percent of health care costs, while plan members cover the remaining 20 percent.

These plans feature high monthly premiums, but lower deductibles and out-of-pocket maximums. Only 4 percent of all health insurance consumers on the health care exchanged opted for a gold plan in Platinum health plans offer the highest level of protection against unexpected medical costs. Insurers expect to cover 90 percent of medical costs, and plan members cover the remaining 10 percent. These plans have the highest monthly premiums and the lowest deductibles and out-of-pocket maximums.

Just 1 percent of all health insurance exchange participants purchased a platinum plan in People under age 30 or with hardship exemptions may purchase individual catastrophic health insurance plans. These plans are not available for families. Catastrophic plans do not have a cost-sharing component.

Catastrophic plans cover most preventive services. Choosing a health plan can seem like a daunting task, but you can get all the help and information you need to make an informed decision.

Your health and your pocketbook matter, and we want to help you protect both. If you take your subsidy upfront, it will reduce your premiums right away. If you defer it, then it will be given to you as a tax credit when you file your taxes. If you over- or underpay your premiums throughout the year, the will have to reconcile the amount owed at tax time.

Most people with predictable income and household size should take most or all of the subsidy upfront. However, if you expect to undergo a major life change such as an increase in income, a marriage or a divorce , consider taking less of your subsidy in advance. For people shopping for coverage, the average number of plans available is Rather than comparing every plan, we recommend creating criteria around the following variables:. Once you have a firm grasp of your particular criteria, look for plans that fit your needs and ignore the rest.

Using the exchange website, you can filter and sort plans based on these factors. Most people need to balance cost and coverage to find a plan that works for them. If you are part of the minority that need to buy their own health insurance plans, you should know that not every state uses HealthCare. Residents in the following states should use their specific state exchange to look for health insurance:.

California ; Colorado ; Connecticut ; Washington, D. If your state does not offer its own health care exchange, you should use HealthCare. As mentioned in the previous section, each state has the right to choose whether to run its own or use the federally run exchange and some do use their own. The state-run exchanges perform the same functions as the federally run exchange.

They allow you to estimate your tax credit and purchase insurance. As a consumer, you must provide the same information to your state as you would on the federal exchange. While the online user experience will vary when states adopt their own online marketplace, the Affordable Care Act is a federal law and program.

This means that the requirements and benefits do not change from state to state, even if the exchange platform changes. The website interface for the federal exchange is simple, but answering the questions may be confusing. Start the application by filling out contact information and basic information about members of your household. Even if a member of your family will not need coverage, include that relative in your application. The website will help you determine if a member of your household has insurance options outside the health care exchange.

It will also help you determine if a person is a dependent. For the purpose of the health care exchange, your family includes all the people included on your income tax filing.

You need to know Social Security numbers, birthdates, immigration and disability status, and whether each household member can purchase health insurance through an employer plan.

If you make a mistake, you can edit it when you review your household summary. This information will determine your eligibility for subsidies and other government programs. After you complete the application, you can review and submit it. At this point, the system will suggest which members of your household should complete CHIP or Medicaid applications. The remaining family members can enroll in a health insurance plan.

Because of the complex nature of the marketplace exchange, there are marketplace navigators. These professionals provide free, unbiased help to consumers who want a hand filling out eligibility forms and choosing plans. You can find local marketplace navigators through the health care exchange website. The Trump administration has slashed budgets for health care navigators, leading some states to close down the programs altogether.

As a result, it may make it difficult to find help locally from a navigator in some states. Outside the exchange, nonprofit organizations are working to help people gain coverage by teaching them about their insurance options. Enroll America offers free expert assistance to anyone who makes an appointment. You can use the connector below to make an appointment with one of their experts. Brokers can offer another form of help. Brokers aim to make it easier for consumers to compare insurance plans and apply for coverage.

Insurance brokers have relationships with some or all of the insurance companies on the marketplace. Using a broker will not increase the price you pay for a plan, and it will not affect your subsidies. If you want to work with a broker, consider some of these top online brokers. PolicyGenius compares all the plans that meet criteria that you establish, and they serve up the top two plans that meet those criteria.

What options do students and their dependents have for health insurance? However, under certain circumstances you can avoid buying insurance and avoid paying the penalty. These are a few of the most common exemptions:. Although you will not pay a penalty, you may still want to seek out catastrophe insurance or some other coverage to help with high potential health costs.

For , some insurers dropped their insurance plans from the health care exchange. In some states, major insurers Aetna and Humana are exiting the exchange. As a consumer, you cannot assume that the plan you chose in the past will be around next year.

If you used HealthCare. This is true even if important variables like the deductible and premiums changed from last year. If your plan was canceled, HealthCare. You can enroll in a new plan Nov. If you do not enroll in a new plan during this time, you will be stuck with the automatic enrollment option. Many coverage networks only include doctors in a few ZIP codes. If you visit an out-of-network doctor, you will face higher deductibles and out-of-pocket maximums.

Students who are dependents and over age 26 may be required to purchase their own health insurance plans.

Many students will opt for a student health plan from their university. In general, student health plans meet minimum qualifying coverage criteria, and are affordable options. However, student health plans are not treated as employer coverage.

Because of that, students may still qualify for Medicaid or insurance premiums. Students especially independent students should look into these alternatives when reviewing their insurance options. The spouses and dependents of students must take time to understand their options. These are a few common scenarios:. If a student or spouse has an affordable employer-sponsored plan that covers family members: Student and spouse do not qualify for insurance subsidies or Medicaid.

Children may qualify for CHIP. Student and spouse should seek coverage through either the student health plan or the employer-sponsored plan in most cases. All members of the family must have qualified health coverage, or they will pay the individual mandate penalty. Spouse and dependents can apply for Medicaid, CHIP or subsidized insurance through the health care exchanges provided they meet income criteria.

Student may choose any coverage option including Medicaid or subsidized insurance without paying a penalty. Student health plan offers coverage of spouse or dependents, and neither spouse has an employer-sponsored health plan: Student, spouse and dependents may purchase the student health plan.

They can also apply for Medicaid, CHIP or subsidized insurance through the exchanges provided they meet income criteria. All family members may choose any coverage option without paying a penalty.

However, some insurers offer more or different options outside the exchange. An analysis by the Kaiser Family Foundation said that a number of insurers have requested double-digit premium increases for Based on initial filings, the change in benchmark silver premiums will likely range from -5 to 49 percent across 21 major cities.

These rates are still being reviewed by regulators and may change, the analysis said. With rapidly rising costs, enrollees without subsidies may want to consider the lower-cost bronze plans to see if they meet their health insurance needs. Understanding basic health insurance terminology can help you make a more informed decision about your options.

Here are common terms you should know. This credit can be taken in advance to offset your monthly premium costs. The subsidy is based on your estimated income and can be taken directly from your insurer when you apply for coverage. You must repay credits if you qualify for a smaller subsidy once taxes have been filed. You can learn more about repayment limitations here. This program was designed to provide coverage to uninsured children who are low-income but above the cutoff for Medicaid eligibility.

The federal government has established basic guidelines, but eligibility and the scope of care and services are determined at the state level. Your children may qualify for CHIP even if you purchase an insurance policy through the health care exchange.

Your share of the costs of a covered health care service. This is the percentage you must pay out of pocket after you have met your annual deductible. You pay a specific coinsurance amount until you meet your out-of-pocket maximum.

If you earn between percent of the federal poverty level, you may qualify for additional savings. This extra savings reduces your out-of-pocket maximum, and it offers assistance with copays and coinsurance.

There is ambiguity surrounding whether or not Congress and the White House will appropriate funds for the cost sharing subsidies. In October, President Trump used an executive order to cut off funding for the subsidies. However, the Affordable Care Act still requires that health insurers must issue them to all people earning percent of the federal poverty line.

As a result of this Trump executive order, many insurers raised premiums for silver plans. The premium increases will not affect the prices that people with subsidies will pay, but they will affect the prices you pay if you do not qualify for a subsidy.

Until the Affordable Care Act or the cost sharing subsidies are repealed, insurers will continue to pay cost reduction subsidies in A fixed amount you pay for a covered medical service, typically when you receive the service or prescription. The amount you pay for covered health services before your insurer begins to cover part of your costs.

These plans focus on integrated care and focus on prevention. Usually, coverage is limited to care from doctors who work for or contract with the HMO. Health Savings Accounts HSAs allow you to save and invest money for current or future medical expenses. You do not have to pay any taxes on money you contribute to an HSA, and you can withdraw the money tax- and penalty-free if you use the funds for a qualified medical expense.

You can only contribute to an HSA if your insurance meets the standards for a high-deductible insurance plan. If you shop for insurance through Healthcare. The out-of-pocket maximums required by the IRS do not line up with Affordable Care Act maximums, so many plans with high deductibles will not allow you to contribute to an HSA. Not everybody will have an opportunity to purchase a subsidized HSA-compatible health insurance plan. If you can afford to purchase health insurance and choose not to, you will be charged an individual shared responsibility payment, in the form of a tax penalty.

There are a few qualified exemptions , outlined in the guide above, that allow you to avoid the fine. For example, if your employer-sponsored health plan costs more than 8. The fine for has not yet been released , and Congress has considered removing the individual mandate requirement for If it is removed, we will update this piece with the required information. A joint federal and state program that provides health coverage to low-income households, some pregnant women, some elderly Americans and people with disabilities.

Medicaid provides a broad level of coverage including preventive care and hospital visits. Obamacare gives each state the choice to expand Medicaid coverage to people earning less than percent of the federal poverty line.

The primary goal of the ACA is reducing the number of uninsured people through both Medicaid and the health insurance marketplace. Open enrollment for Medicare, which started Oct. You can learn more about Medicare plans from the Medicare Plan Finder.

The highest amount you will pay for covered services in a year. You need a referral from your primary care doctor to see a specialist.

You may use out-of-network doctors, specialists or hospitals without a referral. However, there is an additional cost.

All health insurance plans purchased through the health care exchange cover some preventive care benefits without additional costs to you. These benefits include wellness visits, vaccines, contraception and more. Most insurance plans have preferred pricing with a group of health care providers with whom they have contracted to provide services to members.

The federal subsidy for health insurance that helps eligible individuals or families with low or moderate income afford health insurance purchased through a health insurance marketplace. Shen Lu is a personal finance reporter at MagnifyMoney.

Her work examines the intersection of politics and consumer finance. She frequently writes about financial challenges that women face.

Shen Lu recieved her master's degree in journalism with a focus on business and economics reporting from Northwestern University's Medill School of Journalism. In fact, health care experts urge consumers who will be shopping for individual plans to act sooner rather than later. Not only is the window for shopping on the federal marketplace narrower this time around, but planned maintenance periods will further reduce the number of days that HealthCare. Here is what you should expect from the coming open-enrollment period for coverage under the act, also known as Obamacare.

The open-enrollment period extends from Nov. The period is half as long as it was last year. Existing enrollees who miss the enrollment deadline will either be automatically enrolled in their existing health plans, or l be put into a comparable plan if their existing plan is no longer available.

Further reducing the amount of time consumers will have to enroll in plans, the U. Consumers who live in states that run their own health care exchange websites might catch a break. Many of the 12 states, such as Colorado and Minnesota, have extended the enrollment window. If your insurer has exited the marketplace, you should have been notified by now, Karen Pollitz, senior fellow at the Kaiser Family Foundation, said at an October news briefing.

I disagree with the statement that Obama's apology "may be sincere. Obama is not known for sincerity, and this "apology" of his was obviously constructed by his lawyers and then rehearsed over and over.

Krauthammer On Obama's Apology: There's no running away from it. You see the president, you think about the policy and you know it's a disaster.

And the problem for the Democrats is, they are hostage to a bunch of geeks working right now late into the night trying to fix a system which is not just the glitches we talked about. The architecture, the underlying structure of it is wrong. I'm Sorry for Obamacare Sort Of. Apologizing is all well and good, and yet Obama still finds himself in a tough position.

It is one thing to apologize for the disaster that has been the technical rollout, and quite another to apologize for your own dishonesty. Sorry your insurance got canceled! Here, let the taxpayers make it up to you.

A round of applause for anyone who guessed that President Obama would deal with a rising tide of public outrage over his phony "if you like your plan, you can keep your plan" promise by throwing other people's money at the problem!

Obama Burns Media Supporters with Apology. The president's supporters in the media were first among those to take a dive under the wheels of the president's forward-moving signature policy achievement. Media Pans Obama's "Apology". The president's passive-voice expression of vague regret was so half-[heart]ed and self-serving that conservatives can simply sit back and let the mainstream media tee off on its inadequacy.

He's not sorry for lying repeatedly in furtherance of his political goals, and he's certainly not sorry that people are losing their coverage. His law required that outcome. His promise was an intentional lie. The lowest low of the Obama presidency. And once the Web site starts working right, they will realize they can get better plans anyway.

People have always been able to get "better plans" if they were willing to pay more for their insurance. In a free country, the insurance customers make those decisions on their own. Under a left-wing dictatorship, such as the one Mr.

Obama apparently seeks to establish, the citizens have no choice but to buy more than they will ever use, in order to pay for the medical bills accumulated by society's dead weight. Obama is sorry Americans aren't smart enough to grasp what he really meant. First, what Obama didn't do. Such bald statements, which documents show he knew were false in mid, played a key role in calming latent fears about his massive federal government plan to reshape nearly a fifth of the country's economy.

In the course of his interview, however, Mr. Obama made several other misleading statements that don't accurately reflect Obamacare's impact on pre-existing health insurance plans.

Obama offers fauxpology for 'situation'. Using lawyerly care in choosing passive-construction words, President Obama last night apologized for something, but most definitely not for lying to the American people in order to sell his health care plan on false promises and get re-elected.

Here are the words he uttered to Chuck Todd, White House correspondent for NBC, friendliest news agency among the progressive media toadies. The aggressive marketing of Obamacare There must be something wrong with a product that requires such agressive mass marketing. Trump accused of "sabotaging" Obamacare. Obamacare has been around long enough to sell itself to those to whom it can be sold. Four years on, it makes sense to cut back substantially on this effort. In addition, there is a strong case that Obamacare is a bad deal is a bad deal for young, healthy Americans.

Six years into the nightmare that is Obamacare, you would think that most Americans would be painfully aware of the regulation that mandates the purchase of insurance, raises premiums through the roof, and often threatened faith-based institutions. They show the federal government contracted with Democratic-leaning p.

A majority of online and social media defenders of Obamacare are professionals who are "paid to post," according to a digital expert. The White House has enlisted veteran actor Bill Murray to get the word out during the final days of open enrollment to receive health insurance next year under the Affordable Care Act.

Additionally, CoA is requesting investigation with the office of inspectors general from the Department of Health and Human Services and the Department of Justice. Nothing like getting a mailer or seeing an add for a product that is going to cost you more each year while seeing the available usage decrease[. Obama administration wants to use IRS to hawk Obamacare. The administration wants to use the IRS to hawk Obamacare, drawing fire from Republicans, who fear President Obama is turning the tax agency into part of his political operation by enlisting it in the health care effort.

Administration officials want to use IRS files to identify and contact the millions of Americans who have refused to sign up for insurance and are instead paying the "individual mandate" tax for going without coverage.

Officials say it makes sense to harness the IRS because the tax agency knows who hasn't signed up and would be good candidates for outreach. McConnell demands answers on new Obamacare PR campaign. Senate Majority Leader Mitch McConnell is demanding answers from the Obama administration about the cost of a proposed campaign geared towards promoting healthcare exchanges created under the Affordable Care Act. The Department of Health and Human Services is partnering with an advocacy organization that is asking gay men to send selfies from the gym to promote Obamacare.

President Obama launched a new website this morning to promote Obamacare, posting a previously unpublished personal letter he received after the death of Sen. In an effort to highlight the historic nature of the law, the website features a timeline of previous presidents working for health care reform, positing that Obamacare was the product of "nearly a century of work. In an effort to sign up as many consumers as possible for insurance under the Affordable Care Act or Obamacare , the Obama administration has gone to extraordinary lengths to partner with churches and other faith-based groups, even publishing sample church bulletin inserts, flyers, and scripts for announcements, as well as "talking points.

Also posted under the one-sided separation of church and state. During her weekly briefing, Rep. Obama 'selfie stick' video: End of Western civilization or hip marketing? BuzzFeed got President Obama to make a video. In it he uses a hand-held camera extender known as a selfie stick, makes a "thanks, Obama" joke when his cookie won't fit in a glass of milk, and mugs in front of a strangely dirty mirror.

Between two mirrors, Obama touts health law sign-up. King, we're asking you to help us again, in big ways and small,' Obama's health czar told the activist organization, calling on them to help HHS sign up as many African Americans as possible before the Feb. NFL players get medical, dental and life insurance. That out-of-pocket cost pales in comparison to some Obamacare plans. Obamacare PR push goes silent. Health care reform advocates who struggled for decades to pass Obamacare left the job half-undone.

They failed to sell it. They also underestimated the unrelenting intensity and duration of the opposition that makes the law so vulnerable to legislative and legal challenges even now, nearly five years after its passage. The White House and its allies are trying fresh messaging strategies for enrollment, including a lower-key sales pitch and narratives from real people who are happy with their coverage.

It's the Branding, Stupid. Kathleen Sebelius sees Obamacare as "working. New way to promote ObamaCare: ObamaCare ads will now appear on 7-Eleven receipts at more than 7, stores nationwide as government health officials expand their outreach in the second year of healthcare sign-ups.

Information about ObamaCare sign-ups will appear on the bottom of receipts for anyone using a mobile payment company called PayNearMe, which allows bank-less customers to pay in stores like 7-Eleven and Family Dollar. The contract amount is much higher than was previously known, new documents revealed on Tuesday. Rahm Emanuel famously declared early in the Obama administration that "you never want a serious crisis to go to waste. Pro-Obamacare group will go clubbing to troll for new enrollees.

John Cornyn calls for broad probe into Obamacare spending, fundraising. The Government Accountability Office, Congress' investigative arm, released a report Monday on Health and Human Services Secretary Kathleen Sebelius' fundraising on behalf of Enroll America, a nonprofit founded by former Obama campaign and White House staffers, to help boost enrollment in the federal exchanges.

ObamaCare Twitter pitches intensify even as deadline extended. White House turns to cat pictures to sell Obamacare. Ellen Thanks Obama for Obamacare: It began during the weekend with a surprise email from the White House: Six local TV anchors and camera crews from around the country discovered they'd been invited to interview President Obama on Wednesday, and receive VIP briefings from top Obama advisers.

They had not requested the interviews. Louis, Minneapolis, Dallas, Phoenix and San Diego earned red-carpet treatment from the president's aides and top advisers.

Add LeBron James to the ranks of Obamacare pitchmen: President Barack Obama has had years to promote his signature health care reform. Now, with a near daily barrage of bad news tied to ObamaCare, from skyrocketing premiums to bald-face lies about its true nature, the president is reduced to working the talk show circuit like a B-lister promoting a cable pilot. The many faces of an Obamacare 'angry mom'.

Ronnie Hooks is the "angry mom" featured in a new ad for health care. In the first weeks of March, President Barack Obama sat down with comedian Zach Galifianakis for his online interview program as part of a comedic effort to convince young people of the benefits associated with health coverage.

The White House on Monday will release a "16 Sweetest Reasons to Get Covered" bracket, hoping to use March Madness to promote Obamacare two weeks before the deadline for Americans to obtain health insurance. According to a White House official, two top college basketball coaches Monday will make an Obamacare sales pitch in a web video aimed at fans of the sport. Obamacare enrollment push glosses over next year's fines, some say.

At Obamacare enrollment events around the state, recruitment organizers emphasize the positive reasons for buying coverage on the insurance marketplace, like staying healthy and getting financial assistance to help pay their monthly premiums. But there's also the punitive side of the law: Nudity, humor used to get youth sign up for health care in Maine.

Advertising executives didn't need a scientific study to surmise what would draw young adults to ads that encourage people to buy health insurance through the Affordable Care Act. He could be wearing a Speedo," Wendy Wolf said with a laugh, referring to an ad showing a young man who is otherwise unclothed but covered by a strategically placed laptop computer.

President Obama is now the most powerful insurance salesman in the free world. President Obama's approval rating is at or near record lows. His foreign policy has been feckless.

And his recent budget proposal was virtually ignored because his domestic agenda is going nowhere in Congress. So with looking like an increasingly grim year for Democrats seeking re-election, the role of the most powerful leader of the free world has been reduced to that of an insurance salesman. Planned Parenthood announces plus events to promote Obamacare. In eight states, officials from the women's health and abortion provider will go to grocery stories and even indoor soccer fields to enroll people.

Emails raise questions about White House knowledge of Kathleen Sibelius fundraising. Emails obtained by the Washington Examiner through a Freedom of Information Act request raise new questions about how much the White House knew about Health and Human Services Secretary Kathleen Sebelius' fundraising for Obamacare and whether she solicited donations from entities she regulates.

White House officials have said they did not sign off on calls made by Sebelius to solicit donations from private entities for Enroll America, an outside nonprofit with close White House ties that promotes enrollment in the health law's insurance exchanges. Officials say they were only generally aware Sebelius would be seeking support from outside groups.

Obama To Latino Families: First Lady To Obamacare Counselors: Stars discovering Obamacare is box office poison. Obamacare has become so unpopular that entertainment industry stars are discovering that speaking out in favor of it comes at a cost. Take Will Ferrell for example. Will Ferrell is the latest celebrity enlisted to help pitch the Affordable Care Act to the so-called "young invincible" crowd that needs to sign up in large numbers for the law to function: Obamacare signs of desperation.

After enduring gales of laughter in response to the Pajama Boy Gambit, the folks at Organizing for Action, aka my. For Valentine's Day, the Obama administration decided to promote Obamacare in a manner less macho than its "Pajama Boy" campaign. First they seized on Thanksgiving, then Christmas dinner, and now Democrats and progressives want Valentine's Day to be about Obamacare. No headline candidate or big-money advocacy group, not even OFA, is running political ads touting the health law's successes.

Instead, they're trying to change the message. Obamacare got a boost from current and former National Football League players on Super Bowl Sunday after the White House sent suggested language for laudatory tweets to a representative of the league's players union.

The NFL decided to forego an agreement with officials in charge of the Obamacare rollout. Martin Luther King Jr. King, please join us in this historic effort by helping your friends, neighbors, and loved ones get covered through the Marketplace," Sebelius said of the observance of Martin Luther King Jr.

Magic Johnson sold millions of Converse sneakers and hundreds of cans of Slice to young people during the s. There are no words to describe what happened Friday during a live event held by Covered California designed to increase interest among young people in the Affordable Care Act. And it was fitness guru Richard Simmons who took us there. In December, reeling from surprising unpopularity among millennials, Obama returned to his trademark pied-piper "movement" rhetoric, likening healthcare policy to women's suffrage and the civil rights crusade.

You mustn't get discouraged when you're out to change the world, Obama said, because "change" and leadership take time and hard work! It's a clever angle because young voters are easily seduced by two things which ordinarily would appear in tension: Magic Johnson stumps for Obamacare. In the video, Johnson, who was diagnosed with HIV in the early s, says he likely would be dead right now if he didn't have quality health insurance.

Johnson brought his medical problems upon himself. The President who stole Christmas. Today, while you're singing about Santa Claus, celebrating the end of the year and opening gifts with your family, you should know: You might be ignoring your presidential homework assignment.

Your celebration is probably wasting valuable time that could be spent shilling for his "signature legislation. Rather than simply letting you plan a Yuletide get together you hope will devolve into a nightmare of political arguments, the caring folks at Organizing for Action have put together a handy guide that will let you cut to the chase. Follow their simple plan and you can rest assured that your day will be as miserable as possible.

Obamacare outreach hits the clubs. Washington's new health insurance exchange dispatched a sign-up envoy to one of the city's gay clubs one recent night to get out the word about Obamacare. Out2Enroll video has men in holiday undies promoting subsidized healthcare. The Obama administration has teamed up with a campaign called Out2Enroll, the brainchild of the Sellers Dorsey Foundation, a c 3 that focuses on "improving the health of the lesbian, gay, bisexual, and transgender community," according to their website.

Drag Queens Promote Obamacare. A group of drag queens in Louisiana has decided to use their cross-dressing talents to help promote Obamacare. Obamacare Panders To Gay Community. Obama encourages moms to 'tell stories in the grocery store' about Obamacare. In a meeting with "eight moms from around America," according to a White House pool report, President Obama encouraged the mothers to sing the praises of Obamacare while they're out shopping at grocery stores.

Obama, speaking to the moms in the Oval Office, acknowledged that there have been problems with the roll-out of his signature health legislation, but insisted that a solid P. Signing up for Obamacare should be New Year's resolution. The point of the ad is to promote Obamacare among young adults.

There are lots of revolting things in the Pajama Boy ad. After all, how can you top all at once a nerdy-looking child-man dressed in infantile pajamas while cradling a cup of hot chocolate with the smug assurance that he is running your life more than you his? Obamacare's 'Pajama Boy' was accused of racism, anti-Semitism. Ethan Krupp, the little man who played "Pajama Boy" in a widely-mocked Obamacare ad, was accused in college of racism and anti-Semitism.

Krupp, an Organizing for Action OFA content writer who became the face of progressive America when he sipped cocoa and smirked while wearing a onesie pajama suit in a recent Obamacare ad, is also a failed comedy writer whose work was not appreciated in his own time. Pajamacare boy and Organizing for Action employee. Obamacare 'pajamas boy' gets roundly mocked. The White House is trying to get families to spread the word about Obamacare coverage options ahead of the holidays.

Relatives will gather around a common table, and key deadlines loom for enrollees who want to select a plan and be covered by the new year.

Pajama Boy's place in Internet infamy was secured as soon as the insufferable man-child was tweeted out by Organizing for America. He is the face of a web ad that is the latest effort by the Obama team to leverage the holidays for conversation about Obamacare.

Talk about getting health insurance. The Obama Machine's Id. The Obama administration isn't doing very well with putting an empathetic face on its calamitous health-insurance law, is it? First, we had Julia, the creepy, eyeless, vision-of-horror from Brave New World whose life was run from cradle to grave by the federal government.

Then, we had Adriana, the painfully neutral and carefully ambi-racial stock-model-from-everywhere whose face became so synonymous with HealthCare. And now, courtesy of Organizing for Action, we have Pajama Boy, a metrosexual hipster in a plaid onesie who wants you to spend your precious Christmas days talking to him about the president's vision for health insurance.

OFA, and its various offshoots, are staffed by third-growth McGovernites who have come of age at the exact point that the radicalism of the s finally won out. As David Burge of "Iowahawk" fame likes to joke, perhaps it wasn't "a good idea to turn the most successful country in the history of the world over to the grievance faculty at Harvard.

And we have ended up with a parade of over-educated and under-experienced perpetual children who don't think twice before dressing a grown man up in footie pajamas. ObamaCare enrollment effort moves to shoe stores, restaurants. Health Links officials are spending this weekend going to shoe stores where the latest Nike Air Jordans are debuting and Denny's restaurants trying to convince so-called 'young invincibles' to sign up for DC's health exchange.

First lady to go on radio blitz for ObamaCare. Michelle Obama will sit for a trio of interviews with urban radio stations as part of a coordinated White House blitz intended to promote ObamaCare coverage among mothers and minorities.

The first lady will be interviewed Wednesday evening by Yolanda Adams, Al Sharpton, and Joe Madison, three of the nation's most popular African American talk radio hosts. Obama only speaks to black radio hosts. But if you criticize that trait, or even notice it, you're a racist. Obamacare, where the liberal dream crashes and burns. On Wednesday afternoon, a bunch of twentysomethings were summoned to the White House to hear an infomercial from Barack Obama himself. He was pitching health insurance.

But the salesman-in-chief can't close the deal. A healthcare navigator in unfriendly waters. Her task is made all the more challenging because she works in one of the Republican-led states openly hostile to the act.

The GOP-controlled Legislature ordered state health officials not to cooperate with the federal program. A Roll of the Dice. President Obama is back selling his health-care law with the manic intensity of a late-night-infomercial pitchman who knows that if he doesn't move the product, it could be discontinued. Here's Obama aiming his comments at young people this Wednesday: This is a big deal, to quote Joe Biden. If you're a bartender, have a happy hour.

Obama compares health reform struggles to civil rights movement. In an address to a youth summit hosted at the White House, Obama urged young supporters to not get "discouraged" amid the health care law's rocky rollout and with polls showing declining support for the president's signature achievement. And the winner of the HHS video contest to promote Obamacare is On Tuesday afternoon, in yet another example of Barack Obama's inability to start a presentation much less a giant website on time, the president defended the disastrous health care law that is colloquially named for him and asked for help to "spread the word" about the law's purported benefits.

President leads the cheers for himself. Finally, after two months of horror, President Obama heard cheering when he discussed ObamaCare.

But listen, the guy has had a hard time since Oct. The speech was promoted as part of an aggressive new effort to promote ObamaCare following the repairs far from completed made to the HealthCare. If that was the intent, it was a colossal failure. Obama calls on bartenders to host happy hours for Obamacare. Pop-up Affordable Care Act enrollment center opens near S. The small storefront, provided by the city of Charleston free of charge, was mainly full of volunteers and paid navigators. A state-sponsored Christmas tree is okay as long as it is used to promote the leftist agenda.

White House 'sounds like a very cheap retailer' hawking Obamacare. Former Florida congressman Allen West mocked the news that the Obamacare website would be down for maintenance the night of its long-awaited Dec. It is the type of place that the White House expects to benefit most from ObamaCare. Yet the navigators I spoke with there earlier this month say interest has been sparse.

I've come to Florida to go door-to-door with the foot soldiers of Get Covered America, the boots-on-the-ground division of Enroll America, which bills itself as a "nonpartisan c 3 organization whose mission is to maximize the number of uninsured Americans who enroll in health coverage made available by the Affordable Care Act.

Nearly every Enroll America staffer I speak to emphasizes it, often repeatedly. President Barack Obama and outgoing New York Mayor Michael Bloomberg have both tried to nudge their way into America's Thanksgiving or Thanksgivukkah dinners, with talking points about Obamacare and gun control, respectively.

Not only is introducing contentious political issues into a family holiday a recipe for unhappiness, but it also reflects the disturbing Orwellian ambitions of Obama's big-government liberalism. White House returns to Obamacare sales mode. President Barack Obama will launch a coordinated campaign Tuesday by the White House, congressional Democrats and their outside allies to return attention to why the Affordable Care Act passed in the first place.

After two months of intense coverage of the botched HealthCare. President Obama has begun a new 20 day effort to sell the Affordable Care Act. And while his press conference on Tuesday was less defensive and more forward looking than his previous comments, it very much remains to be seen whether this new initiative will help sell the law or assuage very real concerns about its efficacy and viability.

Maybe the 10th time will be the charm for President Obama and his health care law. And he attacked the GOP for pushing for repeal. Why is President Obama trying to politicize the holidays?

The administration knows many people will be unfamiliar with the etiquette of discussing national health care at Thanksgiving. So Organizing for Action, the president's political committee, has created a strategy sheet and suggested talking points. It's especially important, the tip sheet says, to use special circumstances that might arise during a family celebration to press the case for health care. For example, one OFA tweet showed pictures of a young man wielding a big knife to carve a turkey.

That was followed by a picture of the man with a bandage on his hand. Michelle Obama's idea of Thanksgiving table talk: So this is how first lady Michelle Obama imagines Americans should spend their Thanksgiving dinner: The Affordable Care Act's Hindenburg-like debut has been characterized a series of spectacular failures, the latest being an attempt by President Barack Obama's political arm, Organizing for America, to furnish their followers with effective pro-ACA talking points.

This army of true believers was instructed to bombard their unsuspecting kin with counterpoints to deflect the unceasing stream of bad ACA news screaming at them from the television set. Be sure to use Thanksgiving dinner to convince relatives to buy a plan on the ObamaCare exchange.

Believe it or not, these soulless robots have prepared an actual talking-points memo for the occasion replete with tips on how to plan your "talk. How not to market insurance. Provocative new pro-Obamacare ads urge single women to enroll in exchanges.

From the folks who brought you the "brosurance" campaign that promotes the affordable care act comes a new line of ads aimed at reminding young women the new law will subsidize their birth control. Why doesn't the guy have any pants on? New York's health exchange slogan is "Today's the Day. Oregon held a music contest, and California stresses the "peace of mind" that will come with insurance. The state and federal health insurance exchanges are using all manner of humor and happy talk to sell the Affordable Care Act's products.

But the one part of the new system that they are not quick to trumpet is the financial penalty that Americans will face if they fail to buy insurance. Celebrities who promoted ObamaCare now quiet in wake of website debacle. But there will be no celebrities flanking them on Capitol Hill, as the stars that helped launch the initiative are now being advised to walk away. Judicial Watch told [the Washington Examiner] that the team was recruited by Maryland state officials to help it sell Obamacare, the new health care insurance program that has run into mammoth computer and bureaucratic troubles in its first three weeks.

If there's one thing I don't like, it's an uninvited insurance salesman. President embraces role as 'salesman' for Obamacare. And that's okay," said Obama. Obamacare Ads Push 'Brosurance'. President Obama's Obamacare "navigators" are proving to be a troublesome lot, with one navigator having an outstanding warrant for her arrest, and others having shady backgrounds. But some navigators in Colorado are doing their jobs by creating advertisements directed at college students.

Oprah Winfrey gave 'unequivocal no' to selling Obamacare: Oprah Winfrey downright refused an invitation to the White House and the opportunity to join a host of celebrities to sell Obamacare over the summer, sources told the New York Post. The Obamacare software mess.

So nonprofit groups, insurers and some states are energetically promoting the exchanges. Enroll America, a group run by a former White House employee, is mining data to find the uninsured, then going door to door to urge them to buy coverage.

The clip is just one example of the star-studded White House effort to deploy artists, actors and content creators to help sell the president's signature health care overhaul, the Affordable Care Act, especially to younger Americans. Obamacare phones offered to health insurance buyers.

In Tennessee, those shopping on the new health insurance co-ops could end up with more than just some health insurance. They might even walk away with a free smartphone.

The Nashville Business Journal is reporting that Community Health Alliance, Tennessee's Obamacare health insurance co-op, is using the prospect of a free phone to encourage folks to enroll.

Obamacare ad agency asks high school marching bands to play pro-Obamacare songs. The point of asking high school bands to play the Obamacare anthem is to create more attention for Cover Oregon. It's not clear if the ad agency has asked the high school bands to play pro-Obamacare songs at football games or at other venues. A primary reason the ads have generated national buzz is because they fail to provide any detail whatsoever concerning the Affordable Care Act. More about using schools as indoctrination centers.

But there was one word Obama didn't mention once in his entire minute talk. And that word was "mandate. The Obamacare sales effort is this desperate. Apparently, people are not looking like they will sign up for Obamacare at anywhere near the levels necessary to sustain the illusion of public acceptance.

We know this not because any data has been released, but rather by the self-evident desperation of the sales effort.

Just as a desperate drowning man flails his arms about, seeking to hold onto something that can save him, so has the Obamacare marketing team seized upon the cheapest of cheap tricks. The mysteries of Obamacare. They spelled out how people will get information. They offered some favorable price comparisons to other states and some highs and lows for insurance plans. We appreciate their outreach effort. But the fact is that, five days before the launch of this massively ambitious redesign of national health care, the insurance policies to be offered in Illinois are still a mystery.

Will your doctor and your hospital be included in the insurance networks? Sebelius asks mayors, health care providers to help with Obamacare education. There are bound to be some glitches Oct. Obama looks to Hollywood to help promote his healthcare law.

Farah, Funny or Die's president of production, was shocked by the challenges facing the White House. Creepy Obamacare ad hits college campuses and your nightmares. As the Republican dream of repealing President Barack Obama's health care law in Congress crumbles, the fight over the law's future shifts from Washington to college campuses, where the new challenge for Obamacare proponents lies in convincing young people to sign up for coverage mandated by the law. This ad buy may grow, by the way, as government programs tend to do.

Again, this is money that we don't have, to promote a law that most Americans don't want. New Obamacare ads targeting Oregon residents never mention health care reform or the system's new health care exchanges opening Oct. What's odd about the ads for Cover Oregon is the lack of information about Obamacare [ After concluding Florida citizens shouldn't be giving sensitive information to people who know little or nothing about insurance coverage, Deputy Health Secretary C.

Clinic employees can hand out brochures to consumers but only if requested. Florida bans Obamacare navigators from county health departments. The state of Florida issued a directive late Monday prohibiting the so-called Obamacare navigators from working on the premises of county health departments. Deputy Health Secretary C. That's the only fathomable explanation for their nervous breakdown over a routine House inquiry. The Affordable Care Act is paying for "navigators," or non-government groups that received federal dollars in August to help people figure out and enroll for subsidies.

That such a program even exists explains a lot about the complexity of the new entitlement. Rubio accuses Sebelius of 'misappropriating public funds' with Obamacare ads. Marco Rubio is railing against what he calls the Obama administration's "blatant misuse of federal dollars to promote a fundamentally flawed law.

Bill Clinton sells Obamacare. With less than a month before the Obamacare exchanges open, the administration dispatched former president Bill Clinton to tout the unpopular law. Clinton should be appointed as Apologetics Czar.

Marco Rubio, who calls the effort a "blatant misuse of federal dollars. Baltimore Ravens to aid Obamacare enrollment effort in Maryland. The team has signed onto efforts to market the health law to Marylanders, according to an announcement from Lt. Anthony Brown and officials running the state's Obamacare insurance exchange, known as Maryland Health Connection.

Working on a tight timeframe, Illinois is building an person army of temporary workers to help people sign up for health insurance coverage under the Affordable Care Act. With questionable legal authority, the Obama administration has already had to postpone two major aspects of the complex legislation, despite three full years of preparation time.

You probably won't get to keep your existing plan if you like it. Big business, Congress and White House folks got special delays and waivers.

But we regular people still must follow every letter. Now hiring ObamaCare 'navigators'. But us regular people still must follow every letter. It isn't easy getting people to buy something they neither understand nor particularly want to own.

An example being Obamacare. But the Department of Health and Human Services has a solution. Then, spend the money to sell the program and employ "navigators" to assist people who find it complex bordering on incomprehensible.