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According to health insurance experts, if you are looking for the highest value alternative to Obamacare, Health Insurance Exchange Alternative may be the best combination of insurance products available for total health protection. What was once considered a detriment -- that the policies onl...
It’s tough for families – and for many their healthcare costs more than their mortgage. What makes it worse: According to a new survey by the Kaiser Family Foundation and The New York Times the high deductibles necessary to make Obamacare affordable leaves one in five working-...
The IRS grants an exemption from the Shared Responsibility Payment (tax penalty for being uninsured with a MEC plan) if the lowest premium of an available Bronze plan exceeds 8% of a Household’s Income. The median household in the US is roughly $52,000, so for the average American individual o...
We get asked, on a daily basis, if there are ways to legally avoid the high cost, low value of the Obamacare insurance exchange products AND not pay a penalty for purchasing insurance that best fits the insured's needs. Here are the options that we share: 1) If the lowest-priced "Obamacare pla...
Living Benefits gives you the power to access a portion of your life insurance policy’s death benefit while you are still living. This benefit gives you access to the cash value and death benefit of your policy in the event of a Specified Medical Condition, Terminal Illness, or a Chronic Illne...
The Congressional Budget Office predicted rate increases for health insurance plans purchased through the Affordable Care Act marketplace to be 8 percent a year until 2018, then 5 to 6 percent a year until 2025 — that outstrips income gains by 6 percent a year. That would take average annual 2...
Insurers have asked for double-digit rate increases for nearly 1 out of every 3 Obamacare plans sold on HealthCare.gov for 2016. AgileHealthInsurance reports that 7 percent of the Obamacare plans sold on HealthCare.gov will increase by 30 percent, while 14 percent of the plans offere...
Although America indeed has some of the best cancer care in the world, there is no guarantee that any particular patient will receive it. Sharon Begley, currently the senior science writer at STAT, the life sciences publication of the Boston Globe, interviewed dozens of oncologists, pored over publi...
In a recent survey Deloitte found that 70 percent of Obamacare exchange enrollees were dissatisfied with their current plans. According to the Deloitte study, 35 percent of dissatisfied Obamacare enrollees felt that they were paying too much for their plans. Additionally, 40 percent of exchange...
Rules and regulations Obamacare imposes on insurance plans sold in the individual market make means narrower networks and drug formularies. The participating insurance companies are curtailing these coverage aspects to keep premiums lower. Narrow Provider Networks. An analysis ...