Useful articles about Health Insurance
One of the biggest obstacles to retiring before age 65 is finding affordable health insurance. It takes a considerable amount of effort and can be very expensive for early retirees to purchase health insurance. Here are several ways to maintain health coverage until you qualify for Medicare. Retiree medical insurance. Most workers won’t receive retiree [...]
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My post last week, on the budget plan offered by Representative Paul D. Ryan, Republican of Wisconsin and chairman of the House Budget Committee, ended with the observation that the plan did not propose measures to control overall health spending in the United States, “nor does that appear to have been Mr. Ryan’s objective.” To [...]
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When deciding on health insurance, one needs to be aware of his or her needs first and foremost. Many plans are similar but slight variations in coverage and expense. Most insurance companies offer similar deductibles and cover all the standard routine issues that arise in health. Some plans are more expensive and make the insured [...]
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Make sure when deciding on an individual health policy, you shop around and get many options to consider. Policies can range in what they cover and cost dramatically, so make sure you get the best plan that fits your needs for the best price. Don’t get suckered into all these extras that you don’t need [...]
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Health Savings Accounts (HSAs) are becoming more and more a need than a luxury. You must be enrolled in a health care plan to qualify for a Health Savings Account. Since they have been around, millions of people have qualified and gotten one of these accounts. The trend should continue to raise as more employers [...]
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Supplemental insurance benefits, like cancer insurance or heart/stroke insurance are paid directly to the insured, unless otherwise required by Medicare supplemental insurance. Hospital and major medical insurance benefits are paid directly to the provider, which you would only have to pay small co-pay, if anything. But if an emergency were to happen or you had [...]
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Most individuals can get really good group rates through their employers. As long as your place of business has more than 50 employees and actually offers a medical plan, you should get a pretty good deal. The overall cost is based on how many of the employees actually have the insurance plan. The more people [...]
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My hat is off to Max Baucus. He’s produced a credible plan to make health care both a right and a responsibility of all Americans while beginning to rein in health spending in a way that is politically acceptable to a majority of Americans. In many ways it is the most robust proposal so far [...]
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Soon you’ll get your employer’s open enrollment packet, and if the benefits experts are right, you could be facing a premium increase as high as 20 percent. If you’re young, healthy and barely use insurance, you might wonder if you are better off leaving your employer plan and finding a less expensive individual policy tailored [...]
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Nearly one-third of all health-insurance premiums increased to 30 percent or more. At that rate, the average cost of health insurance per employee will exceed $3,000. Seventy-three percent of senior executives believe health-care costs will continue to increase 20 percent or more each year for the next three years. The message here is clear: If [...]
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