Short Term Health Insurance

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

Does Your High Deductible Health Plan Make You ‘Functionally Uninsured’?

Between deductibles that can feel unmanageable and the hard-to-predict nature of medical bills, having health insurance can sometimes feel a bit like not having it.  You may consider yourself underinsured or “functionally uninsured” if you’ve got major medical insurance but still find it difficult to pay for healthcare. If this describes your situation, you’re not […] Read more

How Do Short Term and ACA Health Insurance Plans Differ?

There’s no shortage of options when it comes to buying health insurance in 2019. That doesn’t necessarily make your decision easier. Two common types of coverage include short term health insurance and major medical insurance. Both provide a range of healthcare benefits to help you reduce your out-of-pocket medical spending, and both are available for […] 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

How Does the Texas Ruling Impact ACA Health Insurance Right Now?

No stranger to a challenge, the Affordable Care Act (ACA) faced another blow when Texas federal court judge Reed O’Connor last month ruled it unconstitutional in light of Congress’ elimination of the individual mandate tax penalty. Judge O’Connor’s decision, which came the day before 2019 open enrollment ended, seemed poised to create confusion among consumers […] Read more

Predicting Future Health Insurance Trends

The November 2018 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 […] Read more

Improved Diagnosis for the 2019 Health Insurance Market

For many Americans, the news that 2019 may be a year of health insurance market stabilization comes as welcome relief. In contrast to the tumult of the past several years with skyrocketing premium increases, mandatory tax penalties for not purchasing Affordable Care Act (ACA)-compliant health insurance, tightened restrictions on non-ACA compliant insurance products, and a […] 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

Health Care Coverage Advantages: Obamacare vs Non-Obamacare Plans

More than one million Americans have already dropped the Obamacare plan that they purchased in 2018, according to a new study by the Centers for Medicare and Medicaid (CMS). Although nearly 12 million people signed up for a plan on the marketplace exchange, only 10.6 million actually paid their first premium payment and had an […] Read more

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