Countdown to Health Reform

By Adrienne Hutchins, a Portland based insurance broker. Adrienne will present “Obamacare Clarified” on June 19th, 6:00PM – 7:30PM.

Understanding your health plan options is a very important part of your budgeting and planning.  Most people working for a business offering health insurance might spend an average of 30 minutes each year in deciding which health plan is best for them & their families.

The main provisions of the Affordable Care Act (ACA) will take effect on January 1, 2014.  Pre-existing condition limitations will be removed from health plans, and the Individual Mandate will take effect, imposing tax penalties on those going without health insurance.  Oregon’s Health Insurance Exchange will be up and running, offering a new array of plan options available to all Oregonians.  If enrolling on a plan through the Exchange you might be eligible to receive a subsidized premium which will be based on your income and family size.  Many questions will arise as to whether you can stay with your current plan or if you’ll need to enroll onto an ACA approved plan.  Most Individual Plans will be updated beginning January 1, 2014 taking into account the mandates of the Affordable Care Act.

It is important to understand your responsibilities and options before making your health plan decision.
Price is not everything; consider what your charges would be if hospitalized (your deductible) and what percentage of charges after your deductible you are responsible for (your coinsurance), until your maximum out of pocket is reached.

Learn what changes are coming soon in your existing health plan, and find out what options are available to you in 2014 through the Oregon Exchange, at Adrienne’s upcoming seminar: “Obamacare Clarified” on June 19th, 6:00PM – 7:30PM.


Adrienne Hutchins joined Greenberg & Associates Insurance in 2002 and became a partner in 2012.  She is licensed in both Oregon and Washington.  Adrienne specializes in the individual and small group markets, assisting clients with their health, life and disability insurance needs.

Adrienne earned her Disability Income Associate designation (DIA) in 2009, which encompasses detailed knowledge of the health insurance industry, the role of disability insurance within the healthcare continuum and recent disability trends.  She is a member of the Portland Association of Health Underwriters, the National Association of Health Underwriters and the National Association of Insurance & Financial Advisors.

Adrienne is a native Oregonian and enjoys hiking, gardening and other outdoor activities.  She lives in NE Portland with her family.  Free resources and other valuable insurance information and links can be found on her website at, or email her at [email protected].

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