Chances are that your health insurance costs are becoming an increasingly larger portion of your monthly household budget. So doing whatever you can to reduce those costs (without reducing the scope of coverage) is as important as ever.
For example, you probably already know that staying healthy and quitting smoking will help you keep your health insurance premiums low. Perhaps you’ve even raised your deductibles or your coinsurance ratio, knowing that these steps can help minimize your monthly out-of-pocket costs.
But you might also want to consider some of the surprising things that could raise your health insurance premiums, and... Articles Tagged ‘health insurance’
Surprising Things That Raise Your Health Insurance Premiums
Chances are that your health insurance costs are becoming an increasingly larger portion of your monthly household budget. So doing whatever you can to reduce those costs (without reducing the scope of coverage) is as important as ever.
For example, you probably already know that staying healthy and quitting smoking will help you keep your health insurance premiums low. Perhaps you’ve even raised your deductibles or your coinsurance ratio, knowing that these steps can help minimize your monthly out-of-pocket costs.
But you might also want to consider some of the surprising things that could raise your health insurance premiums, and...
Friday, January 30th, 2015
Chances are that your health insurance costs are becoming an increasingly larger portion of your monthly household budget. So doing whatever you can to reduce those costs (without reducing the scope of coverage) is as important as ever.
For example, you probably already know that staying healthy and quitting smoking will help you keep your health insurance premiums low. Perhaps you’ve even raised your deductibles or your coinsurance ratio, knowing that these steps can help minimize your monthly out-of-pocket costs.
But you might also want to consider some of the surprising things that could raise your health insurance premiums, and... The High Costs of Not Having Health Insurance
It would be virtually impossible not to notice how much the price of health insurance and medical care has exploded over the last two decades. The situation has gotten so significant for so many people that comprehensive health care reform (including access to health insurance, medical malpractice reform, and a host of related issues) has become one of the most pressing issues facing our nation.
On an individual level, it’s reached the point where some people have decided that health insurance is simply too expensive, and they forego coverage altogether.
Unfortunately, even though this might save on the monthly...
Thursday, September 26th, 2013
It would be virtually impossible not to notice how much the price of health insurance and medical care has exploded over the last two decades. The situation has gotten so significant for so many people that comprehensive health care reform (including access to health insurance, medical malpractice reform, and a host of related issues) has become one of the most pressing issues facing our nation.
On an individual level, it’s reached the point where some people have decided that health insurance is simply too expensive, and they forego coverage altogether.
Unfortunately, even though this might save on the monthly... Having a Baby? Here’s an Insurance Checklist
The birth of a child is certain to be one of the most significant events in your life. If it’s your first child, you’ll also face significant changes to your lifestyle. And as you might imagine for something so important, it involves a lot of planning. Many of the things to plan for, such as prenatal medical care, your child’s nursery, and childcare responsibilities, are certain to be on your planning checklist.
But what about insurance? As with any other significant change in your life, having a baby can significantly alter your insurance needs.
Here is a checklist of points...
Friday, October 26th, 2012
The birth of a child is certain to be one of the most significant events in your life. If it’s your first child, you’ll also face significant changes to your lifestyle. And as you might imagine for something so important, it involves a lot of planning. Many of the things to plan for, such as prenatal medical care, your child’s nursery, and childcare responsibilities, are certain to be on your planning checklist.
But what about insurance? As with any other significant change in your life, having a baby can significantly alter your insurance needs.
Here is a checklist of points... Little Known Health Care Reforms
Wednesday, June 20th, 2012
There are few things that have gotten as much press coverage and generated as much discussion over the past several years as the recent set of federal health care reforms. While you’re probably at least somewhat familiar with the biggest and broadest reaching provisions, there are also a number of other lesser known provisions that are also part of the broad package of health care reforms.
Keep in mind that while many of these reforms have been passed into law, the implementation rules and regulations have not yet been finalized. Furthermore, some of these new obligations have a delayed effective...
What is an HSA – Health Savings Account?
One interesting component of the new health care landscape that’s developed over the past decade is the level of choice individuals now have. Rather than simply take the comprehensive coverage insurance provided by our employers, as we would have done in years past, we can now choose from literally dozens of options.
But it might not always feel like having so many choices is a good thing; in fact, sometimes too many choices can feel a little overwhelming. One of these choices – the Health Savings Account – is sufficiently unique that it bears a closer look by many individuals....
Monday, March 12th, 2012
One interesting component of the new health care landscape that’s developed over the past decade is the level of choice individuals now have. Rather than simply take the comprehensive coverage insurance provided by our employers, as we would have done in years past, we can now choose from literally dozens of options.
But it might not always feel like having so many choices is a good thing; in fact, sometimes too many choices can feel a little overwhelming. One of these choices – the Health Savings Account – is sufficiently unique that it bears a closer look by many individuals.... Understanding the New Changes to Medical Insurance
In 2010, President Barack Obama signed two healthcare reform bills into law: the Patient Protection and Affordable Care Act and the Health Care and Education Reconciliation Act. These new laws require major changes in the United States healthcare system, especially when it comes to health insurance. As was expected, such sweeping reform has caused a great deal of confusion among those affected.
Some of the changes required by the healthcare reform laws have already taken effect. Others will become effective between now and 2014.
Here’s a summary and advice about what you need to know about how these changes could...
Wednesday, August 24th, 2011
In 2010, President Barack Obama signed two healthcare reform bills into law: the Patient Protection and Affordable Care Act and the Health Care and Education Reconciliation Act. These new laws require major changes in the United States healthcare system, especially when it comes to health insurance. As was expected, such sweeping reform has caused a great deal of confusion among those affected.
Some of the changes required by the healthcare reform laws have already taken effect. Others will become effective between now and 2014.
Here’s a summary and advice about what you need to know about how these changes could... Budget Right to Cover Health Insurance Costs
The cost of health insurance for a family can be overwhelming. Even if you participate in job-funded health programs, the cost of the co-pays can be hard to afford. But, there are ways to cut back on the cost of health insurance so that it can become more affordable.
Choosing the right insurance plan and then budgeting for the premiums, deductibles and co-pays will make it possible to make health insurance more cost effective. Waiting until payments are due will likely leave you in need.
Health insurance serves as a safety net to cover the costs of health care. However, the...
Monday, February 14th, 2011
The cost of health insurance for a family can be overwhelming. Even if you participate in job-funded health programs, the cost of the co-pays can be hard to afford. But, there are ways to cut back on the cost of health insurance so that it can become more affordable.
Choosing the right insurance plan and then budgeting for the premiums, deductibles and co-pays will make it possible to make health insurance more cost effective. Waiting until payments are due will likely leave you in need.
Health insurance serves as a safety net to cover the costs of health care. However, the... How Can You Get Health Insurance if You Are Self-Employed or Unemployed?
Health care costs have been rising faster than inflation for a number of years now. And even though the advances in medical technology and treatments continue to improve, these new treatments often come at a very high cost. A single accident or illness could completely wipe out your savings if you are not properly insured.
Many employers, especially larger companies, provide a health care insurance option to their employees. But what do you do if you’re self-employed or unemployed? How do you get yourself health care coverage in those situations? Given our current economic situation here is...
Thursday, November 4th, 2010
Health care costs have been rising faster than inflation for a number of years now. And even though the advances in medical technology and treatments continue to improve, these new treatments often come at a very high cost. A single accident or illness could completely wipe out your savings if you are not properly insured.
Many employers, especially larger companies, provide a health care insurance option to their employees. But what do you do if you’re self-employed or unemployed? How do you get yourself health care coverage in those situations? Given our current economic situation here is... 
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