Washington I-1600 Summary of Sections

A universal healthcare initiative to the people was filed in Washington State on January 23, 2018. If supporters are able to gather valid voter signatures by July 6th, 2018 (about 260,000) I-1600 will appear on the 2018 general election ballot in November. I-1600 Brief Summary of Parts I, II, III Part I creates a new…

Provider Networks and Drug Formularies

Why do I Need to Know about Provider Networks and Drugs Formularies? We explore drug formularies and preferred providers. What are they and why do you need to know about them when choosing a  health insurance plan. Every insurance plan has a formulary or list of which drugs it will pay for and what it will…

Affordability Exemptions and the Cost of Healthcare

Can I get an Affordability Exemption on 2018 Medical Plans? The Affordability Exemption uses the cost of insurance rather than the cost of healthcare. Companies profit hugely from our healthcare system. People don’t.  Healthcare itself is becoming increasingly unaffordable. Affordability is based on a percentage of household income, either 8.05% 0r 9.56%, and affects both employer…

Should I Get an HMO, PPO, EPO, or POS?

What is the Difference Between a HMO, PPO, EPO, and POS? Which One Should I get HMO, PPO, EPO, and POS are all different types of health insurance provider networks offered by health plans. Of those HMO and PPO are the two most common. Below we help you understand HMOs, PPOs, EPOs, and POSs, each of…

What To Do If You Can’t Afford Health Insurance

The Issue We all need healthcare and health insurance, and the cost of medical care has exploded. We need to find a good way to manage the cost of insurance and care. The difficulty is compounded because wages and income have been stagnant for most of us. Even if you have a full-time job, you…

ObamaCare y las HSAs para el 2018

Cuentas de Ahorro para la Salud y ObamaCare en el 2018 Cubrimos todo lo que necesite saber acerca de las Cuentas de Ahorro para la Salud (HSAs por sus siglas en inglés) para el 2018, incluyendo cómo funcionan con los planes ObamaCare. TIP: La Ley de Cuidados de la Salud Asequibles también es llamada ObamaCare,…

Asistencia en Costos para los Planes ObamaCare 2018

Información Actualizada de Asistencia en Costos para el 2018 Para el 2018, los compradores pueden adquirir tres tipos de seguro médico bajo ACA: Créditos fiscales sobre primas, Subsidios de Reducción de Costos Compartidos, y Medicaid / CHIP. A continuación, se encuentra la información actualizada de asistencia en costos para los planes del 2018, incluyendo todos…

Medicare Part F (Medigap) vs. Medicare Advantage.

What is Plan F, Plan G, and Medigap? Once you have Medicare Part A and B, you can buy either Part D along with a Medigap Plan F or Plan G or a Medicare Advantage Plan. We discuss your options. A Medigap Plan F Covers the Part A hospital and Part B outpatient deductibles Covers…

Supplemental Medicare Helps With Costs and Coverage Gaps

Medicare Doesn’t Cover Everything; Supplemental Medicare Can Help Original Medicare doesn’t cover everything, and this can result in high costs and coverage gaps. Supplemental Medicare coverage like Part D, Medigap, or Medicare Advantage (Part C) can help. Understanding What Medicare Does and Doesn’t Cover and What You Can Do About It Medicare enrollees lack crucial…

Understanding Medicare Cost-Sharing

What is Medicare Cost-Sharing? When you use Medicare, you share the cost of your care by paying premiums, deductibles, copayments, co-insurance, and out-of-pocket maximums. If you receive a paycheck, part of your check will be set aside for Medicare. You pay for the program when you work and pay again when you use it. When you…

ObamaCare: Everything You Need to Know About the ACA

What is ObamaCare? Understanding The Affordable Care Act (ACA) “ObamaCare” is a nickname for the healthcare law known as the Patient Protection and Affordable Care Act of 2010 (PPACA). The law is often called the Affordable Care Act (ACA) for short. Many people are aware of the basics of the Affordable Care Act (ACA). They are aware…

How are Original Medicare and Medicare Advantage Different?

What is the Difference Between Original Medicare and Medicare Advantage Plans? We compare Original Medicare and Medicare Advantage to help you better understand the difference between Original Medicare and Medicare Advantage plans. Both Original Medicare and Medicare Advantage are Federally regulated and ACA-compliant, but the fact that aspects of Medicare are privatized means there are significant…

Why Networks and Drug Formularies in Medicare Plans are Important

Why do I Need to Know Which Drugs are Preferred in my Insurance Formulary or Which Physicians are In Network? We ask what drug formularies and preferred providers are and why you need to consider them when choosing a Medicare plan or any health insurance policy. Every insurance plan has a list of which drugs…

Short-Term and Major Medical Health Insurance

Short Term Coverage Vs. Major Medical Coverage Short term and major medical insurance plans both provide coverage in case of a medical catastrophe, but they have significant differences. Short-term plans are typically used to fill in the gaps between major medical coverage. They act as a temporary coverage and often offer lower premiums for less…

ObamaCare Facts Archive

The facts below are our original “ObamaCare facts” page. These ObamaCare facts will give you a sense of how things used to be and what has changed. See our up-to-date “ObamaCare” facts page here. It is easy to forget that time when women paid more than men for health insurance, or when you could be denied…