Tags: individual health insurance

What You Need to Know About the ABCD’s of Medicare Benefits

What You Need to Know About the ABCD's of Medicare

Medicare is the government medical program for seniors. Medicare was instituted in 1965 to ensure that older Americans would have access to the health they needed in their retirement years. You will become eligible for Medicare at 65 and may enroll for Medicare Benefits three months prior to the month of your 65th birthday, during the month of your 65th birthday, and three months after your 65th birthday. Medicare has four parts: A, B, C, D Part A is given to you by the government and covers 80% of your... Read More

Travel Safety: How to Avoid Being a Target When Traveling Abroad

How to Avoid Being a Target When Traveling

The summer travel season is here, and many are fortunate enough to have great adventures planned. Traveling can be stressful, and there are plenty of things to think about before leaving for a long trip, especially if it’s overseas. Amid the packing and the goodbyes, don’t forget to think about travel safety and how you can avoid becoming a target when traveling abroad. Whether your trip is short- or long-term, international or within the United States, follow these guidelines to ensure your time in an unfamiliar place is memorable, productive,... Read More

The “Tornado” of Single-Payer Healthcare

The “Tornado” of Single-Payer Healthcare

As the healthcare debate continues both in congress and in states throughout the country, many are touting a single-payer healthcare system as the answer to our country’s healthcare and health insurance challenges. A single-payer system is, in essence, government-run healthcare. Instead of choosing coverage from the insurer of your (or your employer’s) choice, you would pay for your health coverage to the government in the form of taxes. This is not a particularly new idea. It has been the norm in many parts of the world. And it was even... Read More

What You Need to Know About Travel Medical Insurance

What You Need to Know About Travel Medical Insurance

Does your health insurance cover you out of the country? If it does, you’re in the minority. Most US health plans do not offer health insurance coverage once you leave the United States. This means if you are injured or become ill while you’re traveling outside of the United States, your trip may suddenly become a lot more costly. But don’t cancel your dream trip around the world just yet. There is a solution. It’s called Travel Medical Insurance. Travel Medical Insurance is for those traveling outside their home country.... Read More

Final Regulations To Stabilize Individual Health Insurance Market Issued

Final Regulations To Stabilize Individual Health Market Issued

The Department of Health and Human Services (HHS) issued final regulations to help stabilize the individual and small group markets on April 13, 2017, These final regulations take effect June 19, 2017, and do not significantly differ from the proposed regulations issued February 16, 2017. They will not directly impact large group health plans. They are intended to help stabilize the Health Insurance marketplace, and provide more flexibility for states and insurers, as well as to give individual health plan consumers more coverage options. These rules will include the following policy changes:... Read More

Obamacare Replacement Bills Introduced in Congress

American Health Care Act Introduced in Congress

Republican leadership in the U.S. House of Representatives introduced two bills to repeal and replace the Affordable Care Act (ACA), also known as Obamacare, through the budget reconciliation process. These bills are collectively known as the American Health Care Act. To become law, these bills must go through the legislative process, although a budget reconciliation bill can be passed with a simple majority vote. Debate on the legislation is scheduled to begin on March 8, 2017. Impact On Employers This new act will not entirely repeal ACA, but will make... Read More

Change in Leadership May Signal Changes for Obamacare

Change in Leadership May Signal Changes for Obamacare

With new leadership on the horizon for our country, one thing we can be certain of is change. One of the most talked about and contested changes has been the possibility of changes for Obamacare, more formally known as the Affordable Care Act (ACA). Donald Trump has announced many times that he plans to repeal Obamacare and “replace it with something better.” Just last week Senate Republicans introduced a budget resolution that would allow it to be repealed with a simple Senate majority. There is increasing pressure to vote quickly... Read More

How to Choose the Right Individual Health Insurance

How to Choose the Right Individual Health Insurance

It’s time to buy your health insurance for 2017. Open enrollment for individual health insurance began November 1st and will continue through January 31, 2017. If you are new to purchasing individual health insurance, this is the time of year you must choose a plan for 2017. If you don’t choose a plan now, you will not be able to get individual health insurance again until 2018, unless you have a major “qualifying” event happen in your life, such as getting married or divorced, having a child, making an interstate... Read More

Protect Your Right to Choose Your Healthcare–Vote No On Amendment 69

Vote No on Colorado Amendment 69

Election time is just around the corner, and this election is critical not only to our country’s future, but to Colorado’s future as well. We’re not talking about just the presidential election, but there is a proposed constitutional amendment that Coloradoans must vote on this year that could impact our state forever. This is Amendment 69, also known as ColoradoCare. It proposes that we allow the state of Colorado to take over our healthcare and make it a government entity. If Amendment 69 passes Colorado’s state budget will increase by... Read More

2017 A Big Year for Individual Health Insurance Increases

individual health insurance increases

Are you still  experiencing sticker shock from your 2016 individual health insurance premiums? Well, hold on to your hats because Individual health insurance premiums will be increasing significantly for Colorado residents in 2017. The average increase for Colorado residents who buy their own health insurance will be about 20% for next year. Not only that, but in some areas, residents may have only one carrier to choose from. Two large carriers will not be offering individual plans at all for 2017. These are the largest increases since the ACA launched... Read More