Open enrollment is here. Starting November 1 through January 15, you have options when it comes to finding the best health insurance for an individual or health benefits for families. Under the Affordable Care Act (ACA), anyone who needs insurance for any reason can obtain health insurance coverage during this... read more →
Nov
10
Oct
19
One way you can determine the value of a medical healthcare plan is by the insurer’s medical loss ratio. The medical loss ratio is a measurement of how much money from each premium paid by customers is used toward customers’ medical claims and activities that improve the quality of care.... read more →
Oct
19
There are health insurance options that come with a $0 premium until September 30, 2121. Under the American Rescue Plan Act (ARP), people who were involuntarily terminated and offered COBRA may qualify for a $0 premium. This program began on April 1, 2021, and ends on September 30, 2021. People... read more →
Apr
06
Navigating health insurance can be tough. A 2019 survey found more than 85% of Americans don't know the basic benefits that health insurance plans must cover under the Affordable Care Act. Millions of Americans admit they don’t know the basic terminology of health insurance, like how to define copay or... read more →
Mar
27
Right now Americans have an opportunity to seek and enroll in more affordable health insurance plans even if you are already paying a very low premium or no premium for your health insurance coverage. The passage of the American Rescue Plan was an effort to make health insurance coverage more... read more →
Mar
15
As you approach the Medicare age, the option to enroll in the policies can be both exciting and daunting. Let’s face it, Medicare isn’t easy to navigate. Because there are so many options (like Medicare Part A, Part B, Part D, Medicare Advantage plans, and medigap plans) you will likely... read more →
Feb
26
While so many employees have shifted to working from home during the pandemic, research shows often the perk of working from home comes with its share of drawbacks. For some employees it’s the lack of human interaction. From others it’s managing children that are also at home. Some employees report... read more →
Feb
09
Americans will soon have another chance to enroll in health insurance offered through the state's health insurance marketplace, which is offered through the Affordable Care Act. Some commonly refer to the health insurance coverage as “Obamacare”. The window will open on February 15 and closes on May 15. You could... read more →
Jan
26
Open Enrollment for the Health Insurance Marketplace® is over, but for people with certain life-events, there are windows of time throughout the year in which you can still secure health insurance under the Affordable Care Act. These windows of time are called Special Enrollment Periods. This period takes into account... read more →
Dec
09
Many businesses want to offer benefits for employees, but cost can be a major barrier. Even if health benefits are not something a company is capable of offering, there are an array of other very valuable benefits that will attract and retain employees. And done right, you can offer discounted... read more →