ObamaCare is HERE!

ObamaCare Day 1

ObamaCare is here…
The healthcare landscape has changed.

Dave Ramsey's ELP

Dave Ramsey’s ELP

As Dave Ramsey’s Endorsed Local Provider (ELP), our goal is to make you aware of these changes.
We have tools available to help answer your questions:
You have more options available now than you will have next year.


For an individual / family PRE-OBAMACARE QUOTE, click on your state:

Alabama                             Montana
Alaska                                 Nebraska
Arizona                               Nevada
Arkansas                            New Hampshire
California                            New Jersey
Colorado                            New Mexico
Connecticut                        New York
Delaware                            North Carolina
Florida                                North Dakota
Georgia                              Ohio
Hawaii                                Oklahoma
Idaho                                  Oregon
Illinois                                  Pennsylvania
Indiana                                Rhode Island
Iowa                                   South Carolina
Kansas                                South Dakota
Kentucky                            Tennessee
Louisiana                            Texas
Maine                                 Utah
Maryland                            Vermont
Massachusetts                   Virginia
Michigan                             Washington
Minnesota                          West Virginia
Mississippi                          Wisconsin
Missouri                             Wyoming


Obama-Car Volt

While talking about healthcare reform with my wife, our teenage son started asking questions. We tried to answer him in a way he could understand, but we just weren’t getting through. Health insurance is a foreign language to him. However he is dreaming about which car he will soon purchase. So we introduced ObamaCare to him by way of the Affordable Car Act… a.k.a. Obama-Car:

Obama says his reforms will include additional mandated essential health benefits AND reduce health insurance costs by $2500 per family. That’s simply impossible. That would be like requiring all 2014 cars to be either hybrid or fully electric (more energy efficient), include run-flat tires with electronic low-pressure warnings (better fuel economy), HID headlights (better night vision), GPS (less fuel wasted getting lost), and satellite radio (because it sounds good) at a lower price.

Yes, these OPTIONS are nice if you have the money to pay for them, but they should remain OPTIONS, not REQUIREMENTS.

Instead of a Chevy Cruze starting at $17,000 the new Obama-Car compliant version (such as the Chevy Volt) would be priced around $34,000.

Obama claims these new cars will only be paid in full by the “millionaires and billionaires” because anyone making less than 400% of the poverty level will have some (or all) of their car subsidized by the government.

Now let’s talk about used cars…


Let’s say you like your existing car.  As long as you owned it before March 23, 2010, you would be allowed to keep it. You cannot make any changes to it or it would no longer be “grandfathered” and you would be forced into buying a new Obama-Car next year or pay a penalty.

If it doesn’t get good enough gas mileage or include all the new Obama-Car required Overpriced Bureaucratically Authorized Mandated Add-ons (OBAMA), then you would also be penalized.

Our son is glad Obama-Car doesn’t exist. He can save his own money to purchase any car he chooses… as long as Dad (not Obama) approves of it!

Dislaimer:  This article was never meant to suggest Obama-Car legislation is needed or should ever become law.

Prepare For ObamaCare

Dear Nancy Pelosi,

After 3+ years and 20,000+ pages of additional clarifications…

Senate Minority Leader Mitch McConnell (R-KY) points up at ObamaCare
Senate Minority Leader Mitch McConnell (R-KY) points up at ObamaCare

To COBRA or not to COBRA!

2012 Update: Be sure to listen to our interview with Bob Meyers of CobraGuard.net on Insurance Talk with Scott & Mike:

Whether you are a victim of downsizing, a company merger, or if you are finally making the move to starting your own company, continuing quality health insurance is a major concern.

In some situations, you will be eligible for COBRA Continuation (Consolidated Omnubis Budget Reconciliation Act of 1986).

This means you are able to continue your current group health insurance coverage for up to 18 months in most situations. You are responsible for the entire premium without assistance from your prior employer. This can be a great option in some situations. If there are pre-existing health conditions that would either be excluded by a new individual insurance policy or make you ineligible for coverage altogether (diabetes, stroke, heart attack, recent internal cancer, etc.) then COBRA is probably the right choice. For those that are healthy enough to qualify, purchasing an individual health insurance policy that could be continued indefinitely usually makes more sense.

An individual health insurance policy is not tied in with any particular employer so it is portable. You own your coverage. Most insurance companies will guarantee that the only way your policy will be cancelled is if every policy in the state in which you reside is cancelled. Some insurers will not raise rates unless all policies in your class are raised accordingly. This pooling offers a tremendous amount of protection not usually associated with individual health insurance policies.

The best news is that the premiums for individual policies are typically lower. Sometimes a lot lower.

So the real question is…If you are healthy enough to qualify today, why not secure permanent coverage at an affordable rate?

Find out just how much you could be saving with our instant online quotes.

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