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How Secure is Your Health Insurance Subsidy?

By on August 6th, 2014
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For four years, the Affordable Care Act  (ACA) has provided richer medical benefits to American health insurance consumers, Image via Flickr user 401 (K) 2013primarily through expanded benefits but also through federal subsidies to help people afford the coverage they need.

Subsidies may be available to you if your income falls below 400% of the federal poverty line (FPL). A lot of people have received these subsidies since the beginning of 2014. However, an unexpected increase in your household income or a legal challenge of the ACA could put those subsidy dollars at risk.

 What should consumers know? Read the rest of this entry »

How much does short-term health insurance cost?

By on August 25th, 2014
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So you need health insurance, but you’ve missed open enrollment and you don’t want to go uninsured. Unless you’ve had a qualifying life event, major medical health insurance might not be an option for you.

What are your insurance options?

Although they don’t meet the minimum coverage requirements of the Affordable Care Act, short-term health insurance plans are temporary plans which may meet your needs while you are waiting for coverage under an employer-based group health insurance plan to begin. Read the rest of this entry »

Back to School Health Insurance Tips for College Students

By on August 3rd, 2014
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Ring, ring goes the bell!

Chuck Berry’s right: if you haven’t noticed yet, it’s back-to-school season again. For college students and their parents, that means making certain everything’s in order for a life of semi-autonomy. Laptop? Check. Cell phone? Check. Hot plate? Check. Health insurance? …

Well, in case you haven’t checked off the health insurance box yet, here are eHealth’s top seven health insurance tips for college students in 2015:

1) Know your options, and don’t wait to get coverage. Since most colleges and universities require you to have health insurance before you can enroll in classes, going uninsured may complicate your enrollment.  It’s never a good idea to wait until you’re sick before you look for coverage; you may be too late to avoid serious financial consequences. So take a few minutes to get familiar with your options and compare costs and benefits. Your options may include:

  • Staying on Mom and Dad’s plan (until your 26th birthday)
  • Buying your own individual health insurance plan
  • Enrolling in a school-sponsored plan
  • Getting coverage through an employer
  • Enrolling in a government-sponsored coverage option

Read the rest of this entry »

5 Money Saving Tips for Back-To-School Shopping

By on July 31st, 2014
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It’s almost that time of year again: school will be back in session soon!Education

It’s hard for us to get back into the school mode, and even harder to budget for it. Whether you’re a working parent or a working college student, no one enjoys knowing their bank accounts will soon be wiped clean for the back to school essentials.

According to the National Retail Federation, back-to-school is the second biggest spending event of the year. Crazy, right?

Here are five tips to remember when back-to-school shopping: Read the rest of this entry »

What Does Deductible Mean?

By on July 28th, 2014

How does a health insurance Deductible workWhen reviewing your old health insurance plan or shopping for a new one, you should know the basic definitions of terms in order to properly compare your options. One of the most common questions I receive, as an agent is, “What does deductible mean?” Read the rest of this entry »