Obama care is essentially the Patient Protection and Affordable Care Act that was signed into law in the year 2010 by President Obama. The law was passed with an aim of providing American citizens with affordable health insurance, controlling the health industry and improving the state and quality of the health insurance and health care across the United States.

Purchasing coverage involves searching the online marketplace and choosing the plan that is right for you. If you can’t find your state’s marketplace, it is advisable that you use the Healtcare.gov website to find information about your state’s health marketplace. The Obamacare insurance is compulsory for all citizens, and if you go without insurance coverage , you are subjected to 1% fine of your earning or 95% whichever is greater.

The enrollment period occurs once annually and for the year 2016 will start on the first of November and end on January 31, 2016. There is also special enrollment that are meant for people with special lifetime events such as getting married, the birth of a baby, or whenever they have lost coverage for other coverages. So far about 15% of US citizens have not yet enrolled for the Obamacare, and this has lead to government intervention and hiring agencies to go advise people of the risks for failing to sign up.

There are several challenges that people face whenever they are trying to enroll in Obamacare. Some of these challenges are culture related and mostly affecting the Hispanic and Latin communities living in the United States. Lack of education is a major challenge to the Latino community living here in Miami, there are some them who cannot use a computer to sign up. The period of Obamacare open enrollment ends without most of the Latino community bothering to sign up.

Another issue that the Latino community people face is the fear of exposing their personal details to the federal government who may later deport them to their origin country. Most of these people are in the country illegally; they don’t have the necessary documents required for one to be considered a citizen of the United States.

If you need assistance enrolling in Obamacare, please contact our offices at (305) 220-0900. We have specialists waiting to assist you in the enrollment process.

Here are five tips for correctly setting up a condo unit owner’s policy. These tips can save you time and money when shopping for Miami condo insurance.

Determine exactly what must be insured

Determine from the association documents — usually the declaration — exactly what part of the structural interior of your unit you are required to insure. It’s most common for the owner to have to insure everything beyond the bare walls and bare floor. If the documents aren’t clear, assume you are responsible for everything structural inside your unit. (That would include carpeting, hardwood flooring, any floor and wall tile, bathroom fixtures, kitchen cabinets, countertops, built-in appliances, lighting fixtures, etc.)

Cost Estimates

Make a list of the structural items you must insure, and then estimate the labor and materials cost to replace each. Total up the values, and add a 20 percent cushion. That adjusted total is the amount of structural coverage to buy, often $100,000 or more.

Think outside the box

Broaden the kinds of loss that would be covered on both the building and contents from “perils” to “special perils,” so that the policy covers all losses (including, for example, water and mud damage from roof leaks) that aren’t specifically excluded.

Buy Loss Assessment Coverage

Buy at least $50,000 worth of “loss assessment coverage” to cover assessments made by the association for coverage shortfalls in the master policy. No matter how much you plan and double check paperwork, something will be forgotten and having loss assessment coverage will provide you with more protection.

Buy Deductible Assessment Coverage

Find out what the master policy deductible is (possibly $10,000), and buy deductible assessment coverage for that amount. Many associations make individual unit owners responsible for the entire master policy deductible if the loss is confined to their unit (for example, if a pipe breaks in a unit and floods that apartment).

Work with an agent with expertise in personal insurance who can help you design the condo insurance policy that best suits your unique situation and address other coverage needs, such as for sewer backup coverage, earthquake, flood, etc.

In a city like Miami, where natural disasters, thunderstorms, and proximity to water make insurance coverage necessary, make sure you have a partner by your side with your best interest in mind.

Contact All Nation Insurance today for a quote and to discuss your options.