A TRUSTED INDEPENDENT HEALTH INSURANCE GUIDE SINCE 1999.
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Medicare & Medicaid

Medicare & Medicaid

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ACA open enrollment: what’s new for 2025
Open enrollment for 2025 ACA (Affordable Care Act)-compliant health insurance is just around the corner. Let’s take a look at the various changes that consumers should be aware of this fall.

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How does a health savings account (HSA) work?
A health savings account is a tax-advantaged savings account combined with a high-deductible health insurance policy to provide an investment and health coverage. Deposits to the HSA are tax-deductible and grow tax-free. Withdrawals are always tax-free if they're used for qualifying medical expenses, although they account can be used like a traditional IRA after age 65, with withdrawals subject to regular income tax.

Expert analysis of health reform issues

Health reform’s 10 essential benefits will help

December 21, 2011 – The fact that the Affordable Care Act defines ten mandatory categories of "essential benefits" provides a "floor" of coverage that can not…

Young adult coverage saves us all money

December 16, 2011 – Ensuring young adults are covered now saves us all money down the line and gives parents and their kids the peace of mind that they'll have…

Medical loss ratio is gift that keeps on giving

December 10, 2011 – It is heartening to know that the medical loss ratio rule will keep a lid on the amount of our premiums that can be spent on marketing,…

Mandated summary of benefits long overdue

August 18, 2011 – Starting in 2012, all health plans and plan issuers must provide a Summary of Benefits and Coverage that clearly spells out for buyers…

Vermont moves toward single-payer

May 12, 2011 – Vermont is a signature away from adopting an ambitious plan that would put the state on a path toward a single-payer system and ultimately,…