About the author

Jeff Smedsrud

Jeff has built and grown health insurance marketing and business companies for over 20 years, and served as a healthcare reform advocate for much of his career. He is Co-Founder of Pivot Health and HealthValues, online supplemental benefit organizations, and Co-Founder of HealthCare.com, the nation’s leading unbiased search and comparison engine for individual health insurance plans. Previously, Jeff was Chief Marketing Strategy Officer and Senior Vice President of The IHC Group, a publicly traded insurance holding company, and President of American Independence Corp. He was also President of IHC’s fully insured division, which he helped grow from $0 to nearly $300 million in revenue in seven years.

Posts by Jeff Smedsrud

Predicting Future Health Insurance Trends

Last month’s election results will undoubtedly bring new opportunities to the individual health space. Voter turnout was at a record high which shows consumers are very engaged. Thirty-six percent of eligible voters voted in the 2014 mid-term election and 113 million voted in this mid-term election, that’s nearly 50% of all eligible voters. Health care was the […] Read more

The Penalty for Not Having Health Insurance Ends October 2 (Not for Everyone – Just Most People)

Officially, the Obama-era penalty for not having health insurance ends on December 31, 2018. The penalty is 2.5% of your household taxable income. For someone with $100,000 of taxable income, that would equal $2,500. But under the Affordable Care Act, an individual can go three months without having coverage and not pay the penalty. That […] Read more

Q&A About Short Term Medical Insurance Plans

In late 2018 Trump administration announced it had rolled-back an Obamacare-era rule that limited short term health insurance plans. In the coming months, short term medical (STM) plan coverage can be extended to 364 days and depending on individual state rules and the insurance company, extended up to 36 months in total. We spent time with […] Read more

What Is the Penalty for Not Having a Health Insurance Plan?

Do I have to pay a fine if I don’t have health insurance? The answer to the question is “maybe.” The Internal Revenue Service estimates that 8.1 million Americans paid a tax penalty for not having coverage in 2014, the last year that actual numbers are available. Not Buying an Individual Health Insurance Plan and […] Read more