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My Health Insurance Costs Too Much

Health insurance costs are high in the U.S. compared to other countries. In the decades since WWII, health care costs have risen and sometimes in alarmingly large amounts. In the environment of rising health care costs, insurance companies have raised prices both to cover costs and to increase profits. Public health care programs had lower […]

What is a GAP health insurance plan?

The insurance industry offers products to fit situations when consumers need a coverage solution to avoid a gap in coverage. The industry offers plans called short-term or temporary insurance; it is insurance that consumers can customize to fill a gap before getting longer-term coverage. The Affordable Care Act set standards for qualified coverage, and short-term […]

What does “rider” mean in health insurance?

Insurance riders were a primary tool of the insurance industry for avoiding unwanted risks among the populations they covered. The practice involved separating out medical areas from coverage. For example, they might insure a woman of childbearing age but exclude pregnancy and maternity benefit. Comparison shopping is an excellent method for finding the best value […]

What is a stop-loss provision in health insurance?

In many cases, particularly with the advent of the Affordable Care Act, health insurers have implemented a policy to charge the insured for a certain percentage of many of the expenses associated with their medical care. Many refer to this as coinsurance, and that is a term that many readers might already be familiar with. […]

What is a CDHP health plan?

Consumer Directed Health Plans leave choices about health care spending to employees or insured persons. The typical structure of a consumer-directed health plan is a High Deductible Plan paired with a Health Savings Account or Health Reimbursement Arrangement. Comparison shopping is an excellent method for selecting a high-deductible policy and HSA on the Obamacare Marketplace. […]

What is a self-funded medical insurance plan?

According to, a self-funded, or self-insured plan is when the employer collects the premiums from enrollees and becomes responsible for paying the medical claims of employees and their dependents. These plans are either self-administered or the employer contracts with a third party for provider networks, processing claims, and enrollment. Instead of paying fixed premiums […]

What does a “lifetime maximum” mean in health insurance?

It used to be that health insurance providers could lump together all incurred medical expenses in arriving at the lifetime maximum benefit that they would pay out to an insured person. Once that limit was reached, the company would no longer be obligated to cover any medical expenses. The Affordable Care Act has changed this […]

What if I can’t afford health insurance?

Residents that cannot afford health insurance can qualify for no-cost coverage through Medicaid, Medicaid Expansion, and the Children’s Health Insurance Program. They may also qualify for exemptions from the individual mandate, but that does not add coverage that everyone needs. Some persons may be exempt because no available health insurance policy costs less than eight […]

What is an HRA medical plan?

A Health Reimbursement Account, or HSA, is an entirely employer-funded savings account that is used to offset and reimburse employees for approved medical costs incurred throughout the year. The establishment of an HRA is a way that employers can help employees control the high costs of needed medical care. They offer benefits to both employers […]

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