Sending a child off to college is a significant milestone that represents the culmination of years of planning and hard work. As you prepare for the start of the semester, you should consider how your insurance needs may change with your son or daughter away at school. While rental insurance and auto insurance are certainly considerations, let’s look at the type of insurance that may have the most financial impact on your student’s college career. College students have a variety of health insurance options, and it is important to examine the... Read More
Tags: individual health insurance
According to the U.S. Centers for Disease Control and Prevention (CDC), 7 out of 10 Americans die each year from chronic diseases, many of which are preventable. When preventive care is used and illnesses and diseases are caught early enough, individuals can avoid or better control their health problems. What Is Preventive Health Care? Preventive care is a type of health care whose purpose is to shift the focus of health care from treating sickness to maintaining wellness and good health. Preventive care occurs before you feel sick or... Read More
Some of the nation’s largest health insurers have announced they may drop out of the healthcare exchanges for 2017 due to mounting costs in that portion of their business. Other large insurers have also suggested that they are re-evaluating their involvement, due to increasing costs that are outpacing premiums. In addition, more than half of the non-profit insurance cooperatives formed to provide exchange plans have also left the market. Insurance traditionally works by calculating the probability of a costly event. Looking at statistics, insurers are able to estimate the likelihood... Read More
College students have several health insurance choices. Which is right for you?
What would happen if you got hurt and couldn’t go to work—for a week, for a month, or even longer? How would your bills get paid? How would you pay for food and medical care? How many missed paychecks stand between you and financial disaster? Disability insurance can help you continue to pay your bills, keep a roof over your head and keep food on your table when you can’t work because of illness or injury. Traditional health insurance doesn’t pay for every expense related to an injury or illness.... Read More
Individual health insurance enrollment is open from November 15th to January 15th. It’s time to decide whether you’ll stick with last year’s plan or whether you want to switch plans or insurance companies. Whether you decide to stay put or whether you’re making a change this year, your health insurance enrollment will go much more smoothly, if you gather a few things before you get started. While you may not necessarily need every item on this list, you’ll need most of them—and if you have them all—you’ll definitely be prepared... Read More
Since the passage of the Affordable Care Act, also known as Obamacare, everyone needs to have health insurance. If your employer doesn’t provide health insurance, you will need to buy a policy for you and your family. There are many ways to buy insurance policies and there are many policies to choose from. How do you sort through all the health plans and know that you are getting the right one? Why not make it easy? This is where an insurance broker comes in. An insurance broker can act as... Read More