Peter finished

Peter Trozan

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Over the years I’ve interacted with people every day that are worried and confused about their health insurance or Medicare options. I get great satisfaction when a worried frown is replaced with a broad smile of relief as, over and over, people tell me, “for the first time in my life I understand how insurance works!”

I love educating people about health insurance topics! These blog posts are based on my columns which appear in the Fort Collins Coloradoan every three weeks. My hope is that these posts will be informative to online readers as well. You will find practical tips and clarifying information about Health Care Reform, best Medicare products available, and a host of other relevant topics. If you find you have more questions or need our expertise to address your specific needs, please contact me or my staff. We look forward to serving you!



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My most recent blog posts:


Medicaid to Millionaires Must Stop

In a recent appearance at CSU, Senator Michael Bennet denounced Congress’ attempt to revamp and improve the failed Affordable Care Act (ACA), better known as Obamacare. Bennet appeared most unhappy that fewer people would qualify for Medicaid coverage. Voters might be better served if Bennet would explain why he voted for a law that allows millionaires to get Medicaid.
When the ACA was passed, it ushered in a sweeping new definition of “poverty.” Obamacare did away with the long-standing practice of … read more…


Final 2017 numbers for Social Security COLA and Medicare Premium Increases

The Centers for Medicare and Medicaid (CMS) — The agency that oversees Medicare and Social Security-recently announced the final figures on 2017 cost of living increases for Social Security and new Medicare premiums and deductibles.

Social Security recipients will receive a tiny 0.3% cost of living adjustment (COLA) increase for 2017. This would increase the average Social Security benefit of $1355 by about $4 per month in 2017. Most people, however, read more…


Social Security Benefits and Medicare Premiums may be going up in 2017

Social Security benefits are projected to increase by a tiny amount in 2017. The 0.2% COLA increase projected by the Social Security Trustees report released on June 22 of this year, would theoretically, increase the average Social Security benefit of  $1350 by $2.70 per month in 2017. But Social Security recipients won’t actually see that money in their pocket… read more…


Tax Returns get more complicated as result of Obamacare

As if tax forms weren’t complicated enough, here come two new forms concerning the new Affordable Care Act (ACA), popularly known as Obamacare. Form 8962 (Premium Tax Credit) and Form 1095-A (Health Insurance Marketplace Statement)…read more…


Think About Provider Network When Choosing a Health Policy

Most buyers of health insurance fall into two camps:

  • Those who want the least expensive plan possible. This group generally is mostly interested in the small stuff—getting their annual physical and lab work covered and maybe a visit or two to be treated for an infection. These tend to be the young, healthy invincibles. They’re not choosy about who their medical provider is and are often willing to have a doctor assigned to them, thus they gravitate to the more restrictive HMO plans.
  • Those who look for the finest doctors available no matter where they are located. They are selective not only about their primary care doctor, but also about the specialists that are available in their network. If they need surgery or get cancer, they want the ability to go to the best doctors and hospitals nationwide. These tend to be people that are getting older and realize that their odds of needing specialized, expensive care is increasing rapidly. They gravitate to the PPO plans…
    read more…

Medicare Choices Open up in October

Medicare open enrollment season is right around the corner. Beginning October 15th and ending December 7th, open enrollment provides Medicare beneficiaries with several choices. The two main decisions to make are whether to couple a Medicare Supplement with Original Medicare or opt for one of the newer Medicare Advantage Plans… read more…


Football and Health Insurance Have a Lot of Similarities

With the start of football season, I’m seeing some interesting parallels to health insurance. When a team loses a big game there can be a lot of finger pointing. While Kaiser has been the big winner in terms of number of people signed up in Northern Colorado due to their low premiums, their enrollment and billing process has been a disaster… read more…


Authorizing others to help with your insurance matters

Let’s say that Eleanor Rigby struggles to make sense of all her doctor bills and explanation of benefits from the insurance company. Something about those bills is not making sense and since she has no friends or relatives nearby, she asks her priest, Father McKenzie, to call her insurance company to help her make sense of her insurance claims. Unfortunately, Father McKenzie is stymied as the insurance company refuses to give him any information due to HIPAA confidentiality provisions… read more…

Obamacare premium subsidies go to millionaires

What were  they thinking?

When the Affordable Care Act (ACA), or Obamacare as it is most commonly called, was being debated,  we were told that it would provide premium subsidies to low and middle income people to help out with the high cost of health insurance.

But while helping the truly needy people is a worthwhile goal which I fully support, I was shocked this past open enrollment period to learn that the Obamacare subsidy is going not just to low and middle of the road folks—but also to millionaires… read more…


Sign-Ups still possible, though open enrollment has ended

Now that the first open enrollment period under Obamacare ended as of March 31st, those wanting to enroll will, generally, have to wait until the next open enrollment period at the end of 2014.  However, those experiencing certain “life change events” will be granted a Special Enrollment Period (SEP), which will allow them to enroll in a health plan…read more…


Health-care reform’s subsidy shuffle gets complicated

Health-care reform kicked into high gear with the rocky Oct. 1 opening of the state exchange, Connect for Health Colorado. Plagued with functionality problems, it continues to be only partially operational.

The main reason to use Connect for Health is because it’s the only way to get a federal subsidy to reduce your premium for individual health insurance.

So who qualifies for a health subsidy? Qualification depends on a combination of income, age, and number of people in the household… read more…

Visit my Archive for older blog posts.

Peter Trozan


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