Health Insurance

Health Insurance Plan Tips for Early Retirement

Retiring before the age of 65 is an American dream come true. You work hard your entire life, saving every extra nickel for the chance to retire sooner rather than later, and enjoy travel, volunteering or hitting the golf course more frequently.

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Health Insurance Plan Types: HMO, PPO, EPO and more

Shopping for insurance involves increasing health insurance literacy. This article will explore the meanings and implications of different health plan types, include HMOs, PPOs, EPOs and more. The primary health plan types for consumers to understand are HMOs and PPOs. HMOs are generally less costly than a PPO equivalent, but there is a trade-off in terms

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COBRA vs Obamacare Health Insurance Plans

Losing your job can be frightening. Leaving your job to start your own business can be exhilarating. In either case, your company health insurance plan ends on the last day of your employment. Whether you have time to plan for your loss in coverage or are suddenly scrambling to make new arrangements, it’s good to

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Getting a Health Insurance Plan After Your Divorce

It doesn’t matter if you are on the giving or receiving end of divorce papers; there can suddenly be a long list of priorities that need attention when a breakup is imminent. If you receive health insurance benefits through your spouse’s employer, your health insurance accessibility suddenly becomes limited. In a perfect world, your soon-to-be

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What is Affordable Health Care?

Affordable health care can describe two areas: medical healthcare and lower cost health insurance plans provided by health insurance companies. This overview will take a look at ways to access affordable health care in both areas. Health care costs continue to rise, and it is estimated medical expenses will increase 6.5% in 2017, according to

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2017 Health Insurance Open Enrollment and New Updates

The 2017 open enrollment dates for buying a new health insurance plan or switching to a different healthcare plan begin November 1st, 2016, and run through January 31, 2017. That gives consumers three full months to shop for new qualified coverage on the marketplace and in the private health insurance sector. Individuals who want coverage

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Give Your Health Insurance Plan a Checkup

If you’ve had your health insurance coverage for six months or more, you’ve most likely had the opportunity (fortunately or unfortunately) to use your health plan. How’s it going? Many individuals, especially those that recently went from being uninsured to gaining coverage, are shocked by the price of healthcare. You buy health insurance to help

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When Can I Buy a Healthcare Plan?

Before 2014, you could buy a healthcare plan whenever you wanted. This is no longer the case. Today (2017) there is a set health insurance open enrollment period that runs for several months at the end of the year. In 2016 the open enrollment period for 2017 coverage will run from November 1st, 2016 until

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Checklist for Choosing and Buying a Health Insurance Plan

Until a few years ago, buying health insurance was like buying a vacation package in the 1980s. In the 1980s, you went to a travel agent, talked about where you might like to visit, and,once you decided on a destination, the travel agent booked your trip.. Buying health insurance was similar. You called your health

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10 Health Insurance Terms You Must Know Before Choosing a Plan

Researching terminology and phrasing used to summarize a health insurance policy can be adverse, especially when shopping for health insurance for the first time. What is meant to be a simple outline of healthcare coverage is typically the opposite. Here are 10 essential health insurance terms you should understand before buying a health insurance plan:

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7 Family Planning Tips for Your Healthcare Finances

Family planning means financial planning, and financial planning includes healthcare. There’s a lot to consider, and first-time parents especially need a little help navigating this uncharted territory. Especially since the waters look a little ominous at first. On average, it will cost a middle-class American family nearly a quarter of a million dollars to raise

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Married? Here’s Why You Might Want Your Healthcare Plan to Stay Single

As they join households, a lot of couples combine health insurance coverage. Getting married is considered a qualifying life event that grants you access to a special enrollment period. That means you have 60 days after saying “I do,” to buy or switch healthcare plans. Time may be ticking, but that doesn’t mean you should

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Frequently Asked Health Insurance Questions, Answered

If you think health insurance is confusing, you are not alone. We receive many emails and phone calls from customers who have questions about how they should select a healthcare plan, what certain health insurance terms mean and why prices differ between plans. Here is a list of the top questions we get about buying

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Health Insurance Tips for Millennials

“Just when I think I have learned the way to live, life changes.” –Hugh Prather Changes in life happen every day. People get married, have a baby, lose their job, lose a loved one – the list goes on. Many times when these life events occur, an individual’s health insurance plan is the last thought

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Add Health Insurance to Your Moving Checklist

Moving to a new home, and especially a new neighborhood, is exciting. There are walls to paint, rooms to decorate and there could even be a new pool to finally enjoy. As you get ready to enjoy the home of your dreams, some of the items on your checklist that coincides with your move should

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What Mental Health and Substance Abuse Services Does Obamacare Cover?

An estimated 42.5 million Americans suffer from a mental health issue, and 19.7 million have a substance abuse problem.1 Several Affordable Care Act provisions, also known as Obamacare provisions, aim to expand and improve access to mental health and substance abuse services. One key way the healthcare reform law does so is the requirement that

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Health Insurance Deductions For The Self-Employed

Any entrepreneur knows how difficult it can be to navigate the tax code and comply with the required filings. Health insurance premiums, however, are remarkably simple and almost always deductible in the most advantageous way possible for the self-employed. The only changes under the Affordable Care Act (ACA) that the self-employed need to be aware

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Where to Find Certified Health Insurance Helpers

When it comes to shopping for, selecting and enrolling in a health insurance plan, you don’t have to go it alone. If you need help buying individual and family coverage through a state exchange or the federal marketplace, you have access to several trained and certified helpers—both in person and over the phone. Helpers located

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How to Prepare for Tax Time in the Age of Obamacare

In 2014 most Affordable Care Act provisions took effect and Americans who purchase their own health insurance entered an era of health insurance mandates, subsidies and penalties. As you prepare to file 2016 income taxes, this year will be the first in which you must take into consideration the healthcare reform law’s shared responsibility provision

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Should I Choose a High Deductible or Copay Health Insurance Plan?

When shopping for qualified health insurance coverage, you will notice that some plans have the word HSA or copay in their name. Plan types do not stop at the metal levels. Plan designs may include traditional copay health insurance or an HSA-compatible high-deductible health insurance plan—some plans are even a combination of the two. As

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6 Things to Do Before 2015 Open Enrollment—How You Can Prepare Now

Note: 2016 open enrollment runs November 1st, 2016 through January 31st, 2016. When open enrollment for health insurance coverage begins, will you be ready? Doing some legwork now can help you secure the best Obamacare qualified health plan for yourself and your family. Avoid scrambling to pick a plan at the last-minute and becoming frustrated

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How High Deductible Health Insurance Can Lower Your Monthly Costs

Look closely at the options for the deductible and premiums on health insurance and you’ll find a basic relationship. The deductible and premiums have a teeter-totter effect: If one goes up, the other goes down. The primary appeal of high deductible plans is simple – the higher the deductible, the more money you can save

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7 Reasons to Keep Shopping for Health Insurance, Even if You Have Coverage and Can Auto-Renew

Shopping for health insurance can feel like work—daunting, frustrating work. Even with Obamacare’s exchanges and metal tiers simplifying matters, it can be difficult to sift through the options and feel confident you are making the best choice. And when you finally find a plan that seems affordable enough and provides decent benefits, it is easy

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6 Things You Need to Know About Buying Health Insurance

In the age of Obamacare, buying health insurance means visiting your state’s exchange website, finding a plan at a price you can afford and filling out an application, right? Buying the right health insurance, however, may not be so simple. Health insurance under the Affordable Care Act may look the same at its core, but

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