Should You Change Coverage During the Special Enrollment Period?
Last month, the House and Senate came together to pass the American Rescue Plan Act, a $1.9 trillion stimulus bill that was signed into law by President Biden days later. Featuring a wide range of spending initiatives ranging from the direct payments to Americans...
New Stimulus Bill Increases Premium Tax Credits for Middle Class
Are you ready for one of—if not the biggest change to the 2010 healthcare law since its passage? Set to increase subsidies for nearly every single person who has secured insurance on the individual market, the change comes as part of the latest COVID-related stimulus...
New Special Enrollment Period Announced for 2021
Whether you missed Open Enrollment, ignored it, or are feeling that the plan you picked during Open Enrollment 2021 isn’t working for you, you’re in luck. A new Special Enrollment Period just opened for everyone, allowing those left uninsured or underinsured the...
50 States, 50 Rulesets: How Essential Health Benefits Differ State to State
Health insurance is complicated. Whether it’s finding a doctor included in your network, understanding what everything costs, or finding out what’s covered, making sense of your coverage is known to cause a few headaches—just trying to make sense of the basics such as...
Health Insurance Basics: What Is a Drug Formulary?
Searching for health insurance is complex. During the time spent seeking out a health plan that’s right for you, you’re going to need to figure out if the health plan meets your preferred balance between monthly cost and out of pocket, provides access to the doctors...
Health Insurance Basics: Maximum Out of Pocket Expenses
The year has begun, insurance secured on the exchanges has started, and for those with calendar-year (marketplace) plans, the clock has reset on deductibles and out-of-pocket maximums. But what is an out-of-pocket maximum and how does your limit affect your healthcare...
Provision in Stimulus Bill Set to End Surprise Health Insurance Billing
Americans may have not gotten a $2,000 check in the latest COVID relief package, but they may have gotten something better—an end to surprise medical billing. A practice lamented for its lack of transparency, hospitals and providers will need to end the practice of...
What Are Your Options for Securing Health Insurance Outside of Open Enrollment?
Securing health insurance on your own is often a tricky proposition. Especially for those who have received coverage through an employer, understanding the terms, conditions, and other nuances in the insurance enrollment and use can leave people with more questions...
Should You Consider a Health Savings Account in Your Insurance?
Open Enrollment is coming to an end. In just under a week (December 15), consumers not eligible for a special enrollment period will be unable to enroll for health insurance through the Federal Marketplace. If you intended to apply for coverage on the Federal (and...
Understanding Your Off-Marketplace Options
Open Enrollment is upon us, and that means that millions of Americans will be securing health coverage for 2021 using the Federal and State Marketplaces. But with the ACA individual mandate reduced to zero in many states, you might have additional options that could...
