Tune in this Friday February 7th to Fox 45 Evening News at 10:00 ~ when I will be discussing the issues of insuring your pregnant wife and children with or without a subsidy.

Let me be clear no subsidy- no Medicaid/Chip Issue NO PROBLEM

If you are not eligible for a subsidy for health insurance,

then there is no reason to use the Maryland Health Connection website.

By dealing directly with the insurance brokers like me where no subsidy is available, there is no issue about putting pregnant women or your children on your insurance plan. Identity theft has also not been a problem when we enroll clients directly with insurance companies.

On the other hand when eligible for a subsidy we have to use the government website and the following issues exist:

1)  Pregnant woman and children are forced onto Medicaid with no options to be on the plan with you

2)  Identity theft becomes an issue

I am trying to have the ACA Obamacare law changed to the extent that when applying for a subsidy and Medicaid/Chip is offered, the client has the option of having the children and/or pregnant woman on the insurance plan with their family and still receive a subsidy.


Additionally, I will be bringing this to the attention of the Board of Directors of the Md. Exchange at their meeting on the 18th of this month asking them to allow people to have the option mentioned above.

If you need assistance with your own or your company’s health insurance or know someone that does please feel free to call me or refer me, my office number is


Thank you,

Ed Kafes, R.H.U.


About insureabetterlife

Interstate Health Underwriters, Inc. specializes in individual health insurance, long term care insurance and group health insurance for businesses. We offer the most affordable and comprehensive health insurance plans in the Maryland market place for individuals and employer groups.
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