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The Health Insurance Marketplace functions kind of like an online health insurance exchange, giving individuals and small businesses the opportunity to evaluate health insurance and make an informed decision about what to buy. Gone are the days of shopping around to multiple providers for health insurance quotes, being restricted to a single, cost-prohibitive plan, or being denied insurance because of a pre-existing condition. The Health Insurance Marketplace is your one-stop shop [...]

“Obamacare” is a term that generally refers to the Affordable Care Act that was signed into law in 2010. Some people refer to the Affordable Health Care Act as “Obamacare” because it was signed into law by President Barack Obama. The Obama care bill is the first substantial healthcare reform plan since 1965, and it’s aimed at making health care more affordable for American citizens through regulation and federal subsidies. [...]

Medicare and Medicaid, two of the most important government health care programs, have long been responsible for helping provide insurance coverage for low-income families and elderly people who are unable to pay for medical care without help. If your family qualifies as low-income under the Affordable Care Act, you may be eligible for health care coverage through Medicare or Medicaid. What is Medicare? Medicare is a government health care program [...]

Picking a health insurance provider has been simplified by the Affordable Care Act, but it’s still a good idea to be thorough when you’re shopping for your new health insurance policy. Use these tips to narrow down the best health insurance providers and pick your plan: 1.  Find out if you qualify for government aid. If you qualify for Medicaid or government subsidies, this may negate your need to select [...]

If you’re uninsured, health care coverage can seem like an impossible goal. Most people who have no insurance are uninsured because they can’t afford health care premiums. The Affordable Care Act aims to make health care for uninsured more affordable. It also mandates health insurance enrollment, so anyone who chooses to stay uninsured will face tax penalties. Visit Your State’s Health Insurance Marketplace Your state’s Health Insurance Marketplace is the [...]

Affordable health insurance is no longer a pipe dream; with the advent of the Affordable Care Act, millions of Americans have access to transparent, affordable health insurance plans. If you’re ready to compare health care plans and enroll in a new health insurance plan, all you have to do is visit your state’s insurance marketplace. Visit the Health Insurance Marketplace The ACA gives the responsibility of managing the Health Insurance [...]

Health insurance costs have been a huge focus in the past five years or so within the United States. The cost of health insurance has become a burden that more and more families have been unable to afford, thus denying basic health care to low-income families, or placing the burden of paying for the care on government-subsidized programs. With the Affordable Care Act, low cost health insurance will become more [...]

Understanding health care can be difficult when insurers and the medical industry use a lot of specialized language. These are a few of the most common terms you’ll encounter in health care and insurance: Claim: a claim is an application for benefits from the insurance company, typically to pay for services of a health care professional Co-Insurance: the amount that an individual is required to pay for health care services; [...]

Health insurance benefits aren’t always easy to quantify. Most people have a vague inkling that it’s good to have health insurance coverage if something goes wrong, but most people don’t expect to need it – or understand how much you could owe if you don’t have it. If you’ve never quite understood what all the fuss is about, here are a few key health insurance benefits: Save Money on Medical [...]

One of the biggest challenges that families face today is to save on health insurance. If you want to save money or reduce your health insurance costs, look into these low-cost health insurance options and tricks: 1.  Check Whether You Qualify for Federal Programs If your income is low enough, you may qualify for Medicare or Medicaid, which can help you save a ton on health insurance, or get health [...]

Getting quotes for health insurance, and figuring out which plan is best for your family, used to be an exercise in frustration. Health insurance coverage quotes were custom tailored based on gender, age, pre-existing conditions, current health and a variety of other factors. It was virtually impossible to compare plans because each plan obscured certain costs and deductibles, and touted great benefits that only applied in certain situations. With the [...]

Since lawmakers have passed the Affordable Care Act, it’s gotten easier to shop for individual health care insurance. Theoretically, all you need to do is visit your state’s Health Insurance Marketplace to compare plans, get quotes and enroll in coverage. But selecting a personal health care plan does require a certain level of contemplation – so make sure you take these factors into consideration when you’re shopping for health care [...]

Health insurance for families has been a tricky topic in the past. Many employers have declined to offer family coverage, or if they have offered it, the premiums have been difficult for a family to afford. When family coverage is available, it often fails to cover essential care, or insurers might deny coverage for children with disabilities or pre-existing conditions. Now that the government has passed the Affordable Care Act, [...]

The Affordable Care Act didn’t just make life easier for individuals; the ACA also includes provisions to simplify the health insurance process for small businesses. It’s now easier to shop for health insurance for companies, and small businesses also have access to a health care tax credit that makes health insurance more affordable. The Small Business Health Options Program (SHOP) The Small Business Health Options Program, or SHOP, is a [...]

The Affordable Care Act is the most substantial piece of health care reform since the passage of Medicare and Medicaid in 1965. The ACA is aimed at making health care more affordable for Americans, and reducing the overall cost of healthcare. This controversial piece of health care reform makes sweeping changes to health care insurance, and if you’re like most people, you’re wondering how these changes will impact you. Benefits [...]

The Patient Protection and Affordable Care Act is a health care reform bill that was signed into effect on March 23, 2010. The aim of the Affordable Care Act is to provide affordable health insurance for more Americans, which the ACA does through a series of regulations for the insurance industry, and expansion of federal health care programs and subsidies. This health care reform bill is a 955-page document that [...]