ACA

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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

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

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 Insurance Solutions for 60+ Year Olds Not Ready For Medicare

If you’re 60+ or approaching that age bracket, you probably already know that health insurance gets a lot more expensive as you get older (if it’s any consolation, that won’t be the case anymore once you turn 65 and go on Medicare, since regular Medicare rates aren’t based on your age). Under the Affordable Care […] Read more

When You Can’t Get Medicaid And Can’t Afford Obamacare

Caught in the middle? If you are like millions of other Americans, you do not qualify for Medicaid, but you also can’t afford Obamacare. With or without an individual mandate that requires you to purchase health insurance, you know that you and your family really should have insurance protection. You need it to protect your […] Read more

Man and woman taking a selfie with a smart phone

What’s Next for Health Insurance in 2017?

The 2016 presidential election illustrated how deeply divided Americans are on many economic, environmental, and social issues. Some of the most intense debates during the election season centered around health care in the United States, with presidential party nominees arguing over what, if anything, should be done about Obamacare. Short Term Health Insurance – An […] Read more

Mother and son smiling

Which Health Insurance Plan is Right for You?

Are you among the millions of Americans who are in the market for health insurance coverage? If you’ve already started researching your options, you’ve probably come across insurance terminology such as short term medical insurance, supplemental health insurance, fixed indemnity, major medical and private insurance plans. But what distinguishes these plans from one another? And […] 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

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