Short Term Medical

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

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

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

Short Term Health Plan Coverage in a Growing Gig Economy

These days, individuals are increasingly turning to self-employment, freelance jobs, consulting and contract employment opportunities, contributing to a gig economy that experts say is now growing at a faster pace than the traditional employment market. Prevalent among millennials and baby boomers, gig employment offers workers the freedom to pursue their passions and interests, the flexibility […] Read more

Insurance Options for Health Care Access in Rural Areas

It probably comes as no surprise that studies show rural areas of the United States have fewer health care providers. For the 20 percent of Americans living in these locations, this often means that they must travel substantial distances to access health care services, as well as often have long wait times when trying to […] Read more

College Students + Short Term Medical = Smart Insurance Option

The annual rite of packing for school is here for millions of college students. In addition to computers, calculators, notebooks and other treasures, one of the most valuable assets that a student can bring to school is health insurance coverage. If you’re like many parents, you probably assume that you should just keep your college […] Read more

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