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According to The Department of Health and Human Services, returning customers to HealthCare.gov can save if they switch to the lowest-cost plan within their coverage level. But experts say the monthly premium is misleading. They say quality and coverage of health plans makes exchange-based hea...
For many Americans the Health Insurance Exchange Alternative has provided a better health insurance alternative than the government exchange. Most who purchased the insurance available through the Health Insurance Exchange Alternative have qualified for Exemptions from the Shared Responsibili...
Policy experts Sean Parnell and Timothy Jost have noted a loophole in the law that is attracting millions of young adults—and others as well—who seek inexpensive insurance. This loophole has been expanded by the ingenious combination of insurance products offered by Health Insurance Exch...
If you are like a lot of hard working Americans and have decided that paying $1,000 or more a month for family health and dental plans through your job has become an excessive burden – then listen up. You’ve probably searched for individual family plans on HealthCare.gov. These polices a...
Did you know that a living benefits life insurance policy could pay for the costs of Dementia care? People with dementia — especially those with Alzheimer's disease — often live for years after reaching the point where they need 24-hour care, leaving families in an emotional, f...
Ever wonder what it would feel like to survive a serious illness physically but end up financially devastated? How can you protect yourself, your family, your assets, and the quality of life that you have built for them if faced with a life threatening illness? What if your doctors recom...
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...