If you’ve immigrated to the United States outside of proper legal channels or you’ve continued to live and work in the country beyond what your visa allows while you attempt to find a legal means of remaining, then you are probably aware of the fact that certain services available to citizens and legal visitors are […]
How Long Can You Stay on a Parent’s Health Insurance?
The recent changes in healthcare laws may have upset a lot of people, as any major change is bound to do, but these changes also provided new or continuing coverage for often underserved groups, such as those unable to otherwise afford coverage. And young adults were one group in particular that benefited from the expansion […]
Is Medicaid Considered Health Insurance?
Because Medicaid is free (or very low in cost), you might not think it qualifies as regular health insurance. And because of new laws that require every U.S. citizen to carry health insurance, you might be worried that you will have to pay penalties at the end of the year for failing to obtain appropriate […]
Best Health Insurance Companies
It is hard to distinguish one single company as THE BEST health insurance company. Health insurance prices, coverage and networks change on a regional basis and therefore one company may be the best in one part of the country but not offer coverage in other parts. The list below highlights some of the best and […]
Health Insurance for Students
While the Affordable Care Act (ACA) has created affordable health insurance for many Americans, students often find themselves ineligible for a tax credit. This would require a student to pay full price for health insurance, which can average around $200 per month for a 20 year old individual. Coupling this price with the fact that […]
What is a Health Insurance Deductible?
A health insurance deductible is a dollar amount that you must pay towards your medical bills before the insurance company begins paying a significant portion of the bills. Some health insurance companies make you pay the full deductible amount before offering any assistance and some offer benefits before the deductible. In either case, the deductible […]
What is Life Insurance?
Life insurance is a financial safety net for your loved ones when your time comes. Upon your passing the life insurance policy pays a benefit to someone who you have designated to receive the money; this person is called a beneficiary. Your beneficiary can use that money to pay your funeral costs, settle your outstanding […]
How to Get Obamacare in 2016
Throughout my blog I have explained many different aspects of health insurance reform under the Affordable Care Act (ACA), or Obamacare. Understanding how Obamacare affects your health insurance is very important but all the knowledge in the industry does nothing if you do not know how to sign up for Obamacare. Many of my clients […]
What Happens If I Do Not Sign Up For Obamacare?
Health insurance is extremely important and it provides a priceless peace of mind that allows people to carry on their lives without worrying about “what-if” scenarios. Coupled with the Obamacare mandate requiring everyone to get health insurance, more people are signed up for coverage now than there had been for years before healthcare reform. However, […]
How to Sign up for Obamacare
There are several different ways to sign up for Obamacare and all are subject to enrollment restrictions. Anyone can submit an application for health insurance during Open Enrollment, November 1st – January 31st. Outside of Open Enrollment an application for health insurance can only be submitted if you qualify for a special enrollment. There are […]
