The deadlines for Health Insurance are approaching fast. Get your plan by December 15th 2015 so that it is effective January 1st 2016. This will ensure you avoid paying any government penalties for not having health insurance in SC, NC and FL.

Important Deadline Dates

November 1st 2015 - Annual Enrollment Period begins December 15th 2015 - Enroll by this date to get a plan effective January 1st 2016 January 1st 2016 - Coverage can begin

Penalty for Missing the Deadline

The penalty for missing the deadline and not having health insurance in 2016 is calculated 2 ways.

Having Health Insurance is the law, and getting covered in SC, NC, FL and GA is more affordable than you think.

Sunday November 1st 2015 marked the first day of the Annual Enrollment Period for health insurance plans commencing January 1st 2016.

If you choose to go without Health Insurance in 2016, you may have to pay a penalty when you file your 2016 taxes. The penalties are increasing. You will risk having to pay $695 per person or more for the year.

You may have heard via the Charleston Business Regional Business Journal that the health insurance company Consumers Choice is closing. 

The best thing you can do is register at www.MyHealthInsuranceUSA.com for a new plan as soon as possible.

A slowdown in China, which generated anxiety over the outlook for global growth, combined with the Federal Reserve’s decision to postpone the first interest rate hike, while warning of global developments, led to uncertainty and significant equity market volatility during the third quarter. The S&P 500 Index declined -12.4% from its May high through August 25 and ended the quarter with a -6.4% decline—the worst quarter since the third quarter of 2011. U.S.

Dental and Vision Plans are generally low in cost, but are they actually worth purchasing? Usually the answer to these questions is that it completely depends on your personal circumstances. However, with the advent of Obamacare, which doesn't include dental and vision by the way, we decided to perform some math on this subject over a 12 month period from September 2014 to September 2015.

If you are self-employed in Charleston SC, Charlotte NC, Atlanta GA or Miami FL, then it's likely you are already comparing ACA Obamacare Health Insurance Plans. Mortgage Brokers and Real Estate Agents are a massive population of the self employed, as are Lawyers, CPAs and other Independent Consultants. All of these self-employed individuals are required by the Affordable Care Act (ACA) to purchase individual health insurance, unless covered by a group health insurance plan.

*Open Enrollment for Obamacare commences November 1st 2015

Choosing a health insurance plan in SC, NC, FL or GA isn’t a piece of cake. With the introduction of health care reforms in the shape of the Affordable Care Act, or Obamacare as it is commonly called, many things have changed, and for those who still won’t take interest can be left with the bad end of the deal.

Uncertainty over the start of the Federal Reserve’s rate hike campaign, the possibility of a default in Greece and Puerto Rico, and the drop in China shares each weighed on financial markets in June, resulting in a quarter of flat to negative performance across most asset classes. The increased volatility and higher level of dispersion across and within asset classes has benefited active management.

Sitters, nannies and childcare centers are all necessary at some point for families. The cost of these services can gradually add up throughout the year if using them regularly. So what help does the government give to assist families in offsetting these costs? Well, the good news is that there are a few options that can make a big difference...

Most people agree that two things are certain in life... death and taxes. If you live in the USA right now as a citizen or permanent resident, then you will have noticed that your tax liability has gradually been increasing on a yearly basis. We hear that some people live offshore and do not pay tax, or they are receiving income tax free e.g. municipal bond portfolios, or growing their investment portfolio in a tax deferred manner.
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