Your 60-Second Guide to Obamacare

Health Insurance

If you follow the news at all, you know that the ObamaCare-mandated healthcare exchanges open today, October 1, 2013. But even if you are an avid news-watcher or reader, you may not understand all the details of the Affordable Care Act (ACA). You’re certainly not alone! The ACA is a complex law, and it’s confusing […]

Published or Updated: September 30, 2013

[Video] How to Determine Your Cost of Health Insurance Under Obamacare

Obamacare Costs

Today the federal government released some data on the cost of premiums under Obamacare. I spent several hours this morning looking at government websites in an effort to determine just how much health insurance will cost. It turned out to be so convoluted that I decided to put together a video to walk through the […]

Published or Updated: September 25, 2013

4 COBRA Alternatives That Could Save You Money

Doctor

If you’ve ever been laid off or left your job voluntarily, you may have looked into COBRA — and found that it would cost you a small fortune to continue your health insurance, especially since the government no longer subsidizes COBRA costs. Luckily, there are alternatives in today’s insurance market. Here’s what you need to […]

Published or Updated: August 28, 2013

6 Things You May Not Know About Renters Insurance

Apartment for Rent

Photo: StevenM_61 According to a 2012 study by the Insurance Information Institute, 31 percent of renters had renters insurance. Many renters don’t have insurance because they don’t know what it is and why they need it, or because they think they can’t afford it. Renters insurance is just as necessary as homeowners insurance, even though […]

Published or Updated: June 21, 2013

How Much Life Insurance Does a Stay-at-Home Parent Need?

Photo: Leonid Mamchenkov Generally, financial gurus recommend that you get 5-20 times your annual income in life insurance coverage. But what if you have no income because you’re a full-time stay-at-home parent? Or what if you contribute a few hundred bucks a year to the family bank account with your side job while you mostly stay […]

Published or Updated: April 3, 2014

How Long Should Your Life Insurance Term Be?

Photo: SalFalko If you’re shopping for term life insurance, two important considerations are how much coverage you need and how long your term should be. While many people folks on the amount of coverage, the length of the policy is an incredibly important factor. After all, the term part is the reason you’re getting term […]

Published or Updated: April 4, 2013

What Type of Life Insurance is Best?

Photo: More Good Foundation

Search around the web for the best type of life insurance, and you’ll find lots of financial advisers who say, without hesitation, that term life insurance is best. While I generally agree and have term life insurance myself, the right answer for each individual is not always that easy. The truth is that with life insurance, as […]

Published or Updated: April 3, 2014

Do You Need Life Insurance after You Retire?

It’s hard to believe, but the 20-year term life insurance policies my wife and I have are about to expire. We bought them when we adopted our children, and my how time flies. And it has me wondering whether we need to have life insurance as our kids leave the house and we start looking […]

Published or Updated: March 24, 2013

How to Get Health Insurance if You’re Self-Employed

Shopping for health insurance if you’re self-employed is a lot like purchasing other types of insurance. There are many terms to understand, coverage types to compare, and options for where to buy a policy. But buying health insurance feels different than searching for auto insurance — after all, both your health and financial well-being depend […]

Published or Updated: April 3, 2014