In 2010, proposed rules were issued and approved by the National Association of Insurance Commissioners (NAIC) for measuring the Medical Loss Ratio (MLR). The MLR is part of the Affordable Care Act (ACA), a law that puts into place comprehensive health insurance reforms that is intended to hold insurance companies more accountable, will lower health [...]

On June 1st of 2010, the decision was made to end the COBRA subsidy, which effectively increased the health insurance payments of all unemployed individuals by 65%.  This news, while unfortunate, was just another article I had written.   However, a recent development has shown me first hand, just how unaffordable COBRA health insurance is for [...]

On June 1st, COBRA subsidies expired, meaning newly unemployed individuals can no longer be eligible to receive a 65% deduction on their current health care plan if they chose to keep it after becoming unemployed.  For example, let’s say John Q was laid off on January 1st, 2010.  COBRA allows John to continue his health-care [...]

Good health is important to everyone and these days health insurance is a necessity that you can’t afford to be without. If you can’t afford to pay for health insurance right now, you might be eligible for Medicaid. Medicaid can make it possible for you to get the care you need to get healthy and [...]

Individual health insurance plans can be costly, complex and downright confusing. Navigating the world of co-insurance, co-pays and deductibles becomes a difficult task when it comes to choosing insurance plans that are not prepackaged and backed by an employer. Many self-employed individuals and those who work for employers that do not provide health insurance spend [...]

For those who purchase health insurance through an employer, the process involves selecting medical coverage from a few options. If your employer does not offer health insurance, you’re unemployed or your self-employed, finding quality, affordable health insurance can be overwhelming. Fortunately, there are resources available to help find individual health insurance. In this article, we’ll [...]