About the author

Colleen McGuire

Colleen McGuire is a freelance writer who has spent the last 20 years in the field of marketing and communications, primarily in the health insurance industry.


Posts by Colleen McGuire

Short Term Health Insurance Coverage Duration Rules In Every State

Neither the Trump administration or Congress have been able to disassemble the Affordable Care Act (ACA) as it stands today, so states have stepped forward to protect or dismantle elements of the ACA on behalf of residents within state lines. One way they are doing this is expanding or limiting coverage durations on short term […] Read more

What Happens When My Healthcare Plan Doesn’t Have a PPO Network

Open access networks that have no doctor restrictions are beginning to buzz in the news media right now. With traditional major medical plans and PPO networks continuing to fight rising costs, health plans and employers that offer health insurance benefits are trying to find new ways for their members to save on out-of-pocket costs and […] Read more

If the ACA Goes Away, What Health Insurance Benefits Will I Lose?

In late December 2018, Judge Reed O’Connor of the North District of Texas, ruled the Affordable Care Act (ACA) unconstitutional based on a change to the federal tax law that removed one of the health law’s major provisions of requiring all Americans to purchase health insurance or suffer a tax penalty. With the requirement to […] Read more

Growing Trend: Short Term Health Insurance

Every year health insurance costs increase, and many times insurance plan deductibles also rise at the same time, hitting consumers with a financial double-whammy on their annual health care expenses. But a growing trend in the health insurance space is purchasing alternative insurance like short term health insurance. How popular are short term health plans and […] Read more

Debunking Myths About Short Term Health Insurance

Last week the Trump administration announced it was proposing rolling back an Obamacare rule, allowing short term health insurance plans, also known as temporary plans, to extend coverage to 364 days instead of the current 90-day limitation on policies. Health and Human Services (HHS) Secretary Alex Azar lauded the move by the administration saying, “Americans […] Read more

Healthy Finance Guide For Women Who Retire Early

Some women may call leaving the workforce permanently “early retirement” when in reality they are pursuing a new career, like providing daycare for grandchildren or taking care of elderly parents full time. Others might have the financial freedom to explore their other interests outside of work. Whatever the reason for leaving the mainstream workforce before […] Read more

How The Government Shutdown Impacts Your Health Insurance Plan

Editor’s Note: This article reflects the January 2018 federal government shutdown. Now that the federal government has officially shut down due to an impasse in Congress to pass a budget, many federal services are not being offered and many more federal employees have been instructed not to come to work. Analysts predict 20%-65% of the […] Read more

Health Insurance and Pre-Existing Conditions in 2018

With the barrage of news reports coming out of Washington regarding the repeal of the Affordable Care Act (ACA), also known as Obamacare, two big unanswered questions are whether insurance companies will be able to charge high-risk individuals with pre-existing conditions more for coverage, and if monthly premiums will go up or go down once […] Read more

Donald Trump standing in front of a large American flag

How Will My Individual Health Insurance Change Under President-Elect Trump?

In one of the most embattled elections in recent history, Donald Trump beat out Hillary Clinton for the White House to become the future 45th president of the United States. Determined to stay committed to his campaign promises, president-elect Trump released a list of what he will attempt to accomplish during his first 100 days […] Read more

How Supplemental Health Insurance Works

As the cost of health insurance and medical deductibles continue to rise, more and more people are looking for alternative ways to save money on their health insurance plans. Choosing the lowest cost health insurance plan can be risky because the lower the cost, the less amount of coverage you have. What if the unexpected […] Read more

What You Need To Know Before Buying Health Insurance

Buying individual health insurance is an emotional experience. You might feel pressured to buy it. You could be afraid you can’t afford the monthly payments. You are definitely irritated by the terms and phrases that don’t make sense. Plus, it takes too many hours to search, compare and apply for coverage. Finding an affordable health […] Read more

How to Buy Health Insurance When You Retire Early

Whether you plan for early retirement or experience an unexpected and premature end to your work career, one of the must-haves in your new chapter of life is health insurance. If you retire before age 65, you are most likely not eligible for Medicare, and you will need to purchase health insurance on your own. […] Read more

Health Care Quiz: Do You Understand How Health Plans Work?

Think you know how your health insurance works? In 2013 the Urban Institute Policy Center studied public understanding of basic health insurance concepts in its Health Reform Monitoring Survey. It found that a majority of Americans (more than 50%) felt confident they understood typical insurance terms, such as “deductible” or “copayment.” Yet, overall, less than […] Read more

Beginner’s Guide to Buying Health Insurance

The open enrollment period for buying health insurance is just a few months away, and brushing up on the basics can help ease the pain of buying a health insurance plan for the first time, or shopping for a new plan that fits your needs better than existing coverage. The average American’s shopping confidence when […] Read more

What is Better For The Unemployed? Short Term Health Insurance or COBRA?

Suddenly losing your job can be alarming. One moment your life is humming along, and the next it is abruptly placed on hold. How will you pay your bills? Is there enough in your savings account to get by until you find another job? What happens when you lose your health insurance coverage? With the […] Read more

Why Buy Short Term Health Insurance?

Short term health insurance is a health insurance alternative that fits specific needs of individuals and families who either aren’t quite ready to buy an Obamacare plan or have an immediate need for health insurance coverage in the short term. Just like individual health insurance, short term medical insurance covers doctor visits, hospitalizations, emergency care, […] Read more

Cover Health Insurance Gap Before Obamacare Plan Begins

The uninsured rate has tumbled since the start of the Affordable Care Act (also known as Obamacare), but there are still 12 million uninsured Americans who are foregoing health insurance coverage. Life situations and finances are a large reason people ebb and flow on and off their state exchange or the federal marketplace every month. […] Read more

Keep Calm And Short Term Health Insurance On

Unemployment, divorce, sudden job loss, aging off a parent’s health insurance plan at 26 – life has a way of throwing curve balls once in a while, which can leave you without health insurance. The stress of finding health coverage, especially when reduced income is a factor, can be unsettling. What many do not realize […] Read more

When You Regret Buying That High Deductible Plan

Financial freedom to many means being able to afford a mortgage, a car payment, daycare, groceries, and health insurance for the family. But it doesn’t always include being able to afford healthcare or paying medical bills. When you have a high deductible, the first several thousand dollars is your responsibility before your health insurance plan […] Read more

Pairing Short Term Medical With Supplemental Insurance

If you are healthy and rarely see a doctor, paying for health insurance can seem like a waste of money each month. It’s a nice to have for emergencies, but it eats away your income, especially if you are trying to get ahead on student loan payments or other bills. A 29-year old male living […] Read more

Dollars and Sense Behind Supplemental Health Insurance

If you have health insurance, think about your deductible (that is how much you have to pay out of your own pocket before your health insurance company will begin paying claims on your medical bills). If you are like most individuals, you have at least a $2,000 deductible or possibly a $10,000 deductible for family […] Read more

Supplemental Insurance – Coverage That Pays Cash Benefits for Medical Bills

The Affordable Care Act promised low cost health insurance and cost assistance to millions of Americans who were uninsured. Today more than 12 million have signed up for an Obamacare plan through their state exchange or the federal marketplace, and the uninsured rate has hit an all-time low. But what are the side effects? During open […] Read more

Health Care Money Saver Alert: Telemedicine

Most individuals have been sick enough to know when they need medical attention to get relief. However, in many instances, they can feel too crummy to pick themselves off the couch, get dressed, drive to an urgent care clinic and wait for more than one hour to see a physician. Wouldn’t a house call from […] Read more

Short Term Health Insurance FAQ

Have questions about short term health insurance? This FAQ explains who is best suited for short term, and why the coverage is so affordable. Read more