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Articles in Health Insurance

Health Insurance protects individuals from the risk of high medical expenses. With a better understanding of what each policy entails, you will be able to make an informed decision about which health insurance policy is best for you.
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by Randy Brunson Level 18
Last week, we spoke briefly of the American Health Care Act, which has been passed by the House.  Following are additional details about the AHCA, as passed by the House.  The legislation would:    Do away with both ...(more)
Comment   |  May 17, 2017 from Suwanee, GA
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Medicare Part A

by Ryan Patrick Zacharczyk Level 20
Medicare: Part A Medicare Part A is the hospital insurance portion of Medicare. There is no premium for eligible beneficiaries. Part A should be not be considered as maintenance or ongoing care, but more emergency, ...(more)
Comment   |  Jun 24, 2016
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Medicare ABC(&D)s

by Kimberly L. Curtis, CFP®, ChFC, CLU, ... Level 20
As many of our clients reach retirement, they begin to have questions around Medicare coverage. Since the costs associated with health care are a large factor in a financial plan, it becomes increasingly important to ...(more)
Comment   |  Feb 18, 2016 from Denver, CO
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What is Medigap Insurance?

by Ryan Patrick Zacharczyk Level 20
A Medigap policy is a health insurance policy sold through a private insurance company to help fill in the “gap” in Medicare’s costs. Medigap policies help pay some of the costs that original Medicare does not cover. ...(more)
Comment   |  Jan 26, 2016
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Medicare Premiums and Other Costs for 2016

by Robert L. Riedl, CPA, CFP®, AWMA® Level 19
For more information on costs and benefits related to Social Security and Medicare, visit Socialsecurity.gov and Medicare.gov. During the past several weeks, you may have seen media reports announcing that Medicare ...(more)
Comment   |  Nov 12, 2015 from Milwaukee, WI
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Health Savings Account Or Flexible Spending Account?

by Theodore Michael Jenkin Level 19
Health Savings Account Or Flexible Spending Account? Ted Jenkin, CFP®, AAMS®, AWMA®, CRPC®, CMFC®, CRPS®   Co-CEO and Founder oXYGen Financial, Inc. Request a FREE no obligation consultation: www.oxygenfinancial.net ...(more)
Comment   |  Oct 30, 2015 from Alpharetta, GA
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Will You Have to Pay Back Health Insurance Credits

by Tim Hayes, AIF®, CRPS®, AWMA®, CFS® Level 20
  Millions of taxpayers may end up doing so in 2015. If you received a 2014 health insurance subsidy, you may get an unpleasant surprise. When the Health Insurance Marketplace (HIM) went online in late 2013, ...(more)
Comment   |  Feb 06, 2015 from Boston, MA
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Who has Health Care?

by Kimberly L. Curtis, CFP®, ChFC, CLU, ... Level 20
Health care costs are extremely important to take into consideration with your financial plan. As the baby boomer population is aging, these factors are becoming a higher priority in each family. Making sure the ...(more)
Comment   |  Sep 26, 2014 from Denver, CO
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Health Savings Accounts: Tax-Saving Super Power?

by Sheri Cupo, CFP® Level 20 Staff Pick
If you could choose any super power, what might it be? Invisibility? X-ray vision? We can’t help you shoot cobwebs out of your palm, but how about the triple- power to set up a savings account that is funded, invested ...(more)
Comment   |  Jul 19, 2014 from Morristown, NJ
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Detailing Medicare Basics

by Randy Neumann, CFP® Level 18
      Medicare is important to retirees because health care costs are a big chunk of expenses during retirement. Let’s begin with eligibility.       Who is eligible? Most individuals age 65 and older, as well as ...(more)
Comment   |  Mar 03, 2014 from Paramus, NJ
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Doctors Get Stuck In The Middle

by Randy Neumann, CFP® Level 18
       I have a fair amount of doctors who are friends as well as clients. They provide me with some insights into their world which these days is not a good place.      A rheumatologist was telling me a story about ...(more)
Comment   |  Sep 23, 2013 from Paramus, NJ
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How the Obamacare Subsidy Threshold Could Make You Pay a LOT More for Health Insurance

by Jason Hull Level 20
How you may feel if you get caught in this trap “The small businessman is smart; he realizes there’s no free lunch. On the other hand, he knows where to go to get a good inexpensive sandwich.”–Adam Osborne I once ...(more)
Comment   |  Aug 14, 2013 from Fort Worth, TX
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When to Pay for Health Costs Out of Pocket Rather Than With Your HSA

by Jason Hull Level 20
More lifting, less sickness. Health nuts are going to feel stupid someday, lying in hospitals dying of nothing.–Redd Foxx A health savings account (HSA) is a tax-sheltered account designed to allow you to use ...(more)
Comment   |  Jul 24, 2013 from Fort Worth, TX
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HDHP – Not a Medical Condition, But It May Reduce Your Medical Expenses

by Jason Hull Level 20
Don’t let health insurance costs drive you to use this instead. “Financial ruin from medical bills is almost exclusively an American disease.”–Roul Turley What if I told you that you could save up more money in a tax ...(more)
Comment   |  Jul 20, 2013 from Fort Worth, TX
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Bronze May Be the Most Precious Metal Under Obamacare

by Jason Hull Level 20
Bronze: Good for statues. Good for Obamacare? Up until now, health insurance has been an issue of great concern for people who looked to change their jobs or potentially retire before age 65, when they were eligible ...(more)
Comment   |  Jul 15, 2013 from Fort Worth, TX
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Prepare To Pay To Stay Healthy In Retirement

by Jason Hull Level 20
“My doctor gave me six months to live, but when I couldn’t pay the bill he gave me six months more.”– Walter Matthau A recent report showed that American couples who retired in 2012 can expect to pay 4% more in health ...(more)
Comment   |  Mar 25, 2013 from Fort Worth, TX
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5 Ways to Slash Healthcare Costs in Retirement

by Kimberly L. Curtis, CFP®, ChFC, CLU, ... Level 20
Millions of baby boomers born in 1948 will become eligible for Medicare this year and face the complexities of choosing Medicare plans.  Under the original Medicare plan, coverage consisted of two parts: Part A ...(more)
Comment   |  Mar 20, 2013 from Denver, CO
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Preventive Medicine Costs Less Than Reactive Medicine

by Jason Hull Level 20
“Exercise? I get it on the golf course. When I see my friends collapse, I run for the paramedics.”–Red Skelton With the passage of the Affordable Healthcare Act, otherwise known as Obamacare, the government set the ...(more)
Comment   |  Mar 12, 2013 from Fort Worth, TX
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Does Your Company Qualify For Employer Tax Credits?

by Greg Levin, CFP® Level 14
Group Health Insurance, Orange County, CA - August 24, 2012 -  If you are an employer with under 25 employees, you may qualify for a federal tax credit. Businesses have to meet several criteria to qualify for the new ...(more)
Comment   |  Aug 24, 2012 from Cowan Heights, CA
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Group Health Insurance – Creative ways to keep premiums low

by Greg Levin, CFP® Level 14
What are consumer-directed health plans? Group Health Insurance, Orange County, CA - June 26, 2012 - Consumer-directed health plans are high-deductible PPOs that offer the same network as traditional PPOs, but usually ...(more)
Comment   |  Jun 26, 2012 from Cowan Heights, CA
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