Does everyone need to sign up for a health plan?

The health care exchange is open for every U.S. resident, but only the uninsured will face penalties for skipping out. If you are enrolled in your employer's health plan or pay for your own plan already, you can continue with that plan as long as it is offered.  You may or may not find insurance less expensive through your state insurance exchange.

What Healthcare Reform mandate did the President recently change?

The President recently announced that the requirement that employers provide health insurance for employees has been delayed for some employers.  Employers with more than 50 employees are still required to provide health insurance in 2014 for their employees or face penalties.  Those with fewer than 50 employees will have an additional year before they must provide health insurance.  These requirements will still face court challenges.

When can I enroll in the new plans offered through the Affordable Care Act (healthcare reform)?

The insurance exchanges are expecting to be open starting October 1, 2013.  You will be able to enroll for an effective date of January 1, 2014.

Will the state of Wisconsin provide an insurance exchange (marketplace) under the healthcare reform law?

The state of Wisconsin is not planning on creating a state insurance exchange (marketplace).  For individuals wishing to search the state marketplace, they will need the utilize the the federal website.

The companies participating in the the insurance exchanges are offering a basic plan and advice through the exchanges is provided by non-licensed advisers. To explore the insurance plans being offered outside of the exchange, visit rra4ins.com.