Hal was a former staff writer at HealthCare.com, where he monitored the insurance industry and helped consumers make smart medical decisions. Prior to joining HealthCare.com, Hal worked to grow other startups and nonprofit groups. He drinks a ton of coffee and eats vegetables almost every day.

Latest Hal's Articles

What is a Health Insurance Copay?

You’ll know this question if you’ve ever finished a doctor’s appointment – “what’s your copay?” A doctor or receptionist has probably asked you about your copayment before you…..

ACA Eligibility Mistakes and Subsidy Repayment

One of the weird quirks about Affordable Care Act health plans (also called ACA or Obamacare) is that most people don’t pay the full sticker price. 87 percent…..

What is Health Insurance Coinsurance?

Health insurance usually pays for most — but not all — of a medical service. If you pay for a percentage of a covered medical bill, then your…..

What’s a Health Insurance Premium?

The amount you pay for your health insurance plan each month is called your “premium”. Think of your premium as a monthly subscription fee. You’ll only hear this…..

Hardship Exemptions for Health Insurance

If you’re having a tough time financially or emotionally, there are ways to bend certain health insurance rules. A hardship exemption is the key to getting help. From…..