Integrity Insurance Solutions

PLEASE WATCH THIS VIDEO FROM CALI

https://youtu.be/7bh4FAT0HZE?si=Jfs78izJJ46r_hJg

Hello clients and friends,

I NEED YOUR ATTENTION FOR A FEW MINUTES.

This is a very important message that will affect everyone, BUT specifically those under age 65, and getting a subsidy or tax credit.

The current administration has proposed legislation that will be voted on very soon. We do not know exactly when, so your action needs to be NOW. The following are the major points of the proposed law changes.

1. Cutting of the American Rescue Act subsidies which has given ALL of you lower rates. If cut, this will result in 93% of you having huge rate increases due to getting less credit. Many of you with $0/month premiums would now owe something monthly.

2. Documentation is now needed for everything from proof of special enrollment qualification to income reporting. If not provided, you will lose your subsidy.

3. If you are self-employed, the only proof of income you can provide is your tax return. No longer will they allow self-reporting. This was usually used if it was a new business and your previous tax return was not accurate for your current situation.

4. EVERYONE must be caught up on your tax returns and reconciled with the health tax form (1095A). They do not care if you filed an extension.

5. If you are close to the minimum income requirement and fall below (based on tax returns or lack thereof), you will not be able to get Marketplace coverage. And because we live in the South as one of the 10 states that have NOT expanded Medicaid, you would fall into a gap. In this gap, you make too little for Marketplace coverage and don’t qualify for Medicaid. There is no major medical coverage for you.

6. Open enrollment will be shortened from November 1-December 15. Anything else requires proof of a special enrollment qualification.

7. CONSENT FORMS ARE REQUIRED. I cannot process your application without it. My assistant will be emailing/mailing them to you. Please print, sign and date. You can even text it back to me in a picture, just make sure its flat and readable.
Thank you to those who already sent them in, this is for those that have not.

THIS IS NOT A COMPANY ISSUE. THIS IS NOT ABOUT BCBS, AMBETTER, OR ANYONE ELSE. THIS IS THE CURRENT ADMINISTRATION TRYING TO MAKE CHANGES TO THE ACA LAW, AND IN MY OPINION, NOT CHANGES FOR THE BETTER.

So why am I making this video?

YOU NEED TO CONTACT YOUR HOUSE AND SENATE REPRESENTATIVES BY EMAIL OR CALL THEM. IF YOU SAY NOTHING, THAT IS THE SAME AS AGREEING TO THE PROPOSED RULE CHANGES.

LET THEM KNOW WHAT DOUBLING YOUR INSURANCE RATE WILL DO TO YOUR BUDGET. LET THEM KNOW WHAT IT WOULD BE LIKE IF YOU COULDN’T AFFORD YOUR INSURANCE. COULD YOU AFFORD YOUR MEDICATIONS AND CURRENT TREATMENTS? DO THEY UNDERSTAND THAT EVEN WITHOUT INSURANCE, PROVIDERS WON’T SEE YOU, EVEN IF YOU HAVE CASH? TELL THEM THAT YOU DO NOT SUPPORT THIS PROPOSED RULE CHANGE. This will affect everyone, no one is exempt. Below I have put a link that will take you straight to your senators and representatives. I’ve also attached the proposed legislation for transparency.

https://www.govtrack.us/congress/members/SC TO FIND YOUR REPRESENTATIVES AND THEIR CONTACT INFORMATION SIMPLY CLICK ON THEIR NAME

HERE IS THE PROPOSED RULE CHANGE
https://www.federalregister.gov/public-inspection/2025-04083/patient-protection-and-affordable-care-act-marketplace-integrity-and-affordability

PLEASE MAKE YOUR VOICE HEARD, BECAUSE IT WILL NEGATIVELY AFFECT EVERYONE IF PASSED.

Patient Protection and Affordable Care Act; Marketplace Integrity and Affordability This proposed rule would revise standards relating to past-due premium payments; exclude Deferred Action for Childhood Arrivals recipients from the definition of "lawfully present"; the evidentiary standard HHS uses to assess an agent's, broker's, or web-broker's potential noncompliance; failure...

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My clients mean the world to me!

Voting begins July 1- September 22

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And thank you to everyone who mentions my name and services to those you know. Your kind words and appreciation are what makes this career path worth having, especially in these times we find ourselves in. You are so appreciated!!!!