A TRUSTED INDEPENDENT HEALTH INSURANCE GUIDE SINCE 1999.
Speak with a licensed insurance agent 866-553-3223
Speak with a licensed insurance agent 866-553-3223
A TRUSTED INDEPENDENT HEALTH INSURANCE GUIDE SINCE 1999.
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Will you receive an ACA premium subsidy?
See if you're eligible for the Affordable Care Act's premium tax credits (premium subsidies), how subsidies are calculated, and why they are more robust through 2025.
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Federal poverty guidelines for 2025
The federal poverty level (FPL) - also referred to as the federal poverty guidelines – is used to determine eligibility for Medicaid and CHIP, and for premium subsidies and cost-sharing reductions in the health insurance marketplace.

long-term care insurance

infographic regarding long-term care insurance

What is long-term care insurance?

A long-term care insurance pays for long-term care, either in a nursing home or at the patient's home. Long-term care refers to custodial care as opposed to medical care (in other words, the patient may not be sick, but needs help with activities of daily living). Long-term care policies vary significantly in both their premiums and the coverage they provide.

It's important to note that Medicare does not cover most long-term care services. Medicaid does, for people who qualify based on their financial circumstances (generally a combination of low income and very low assets, with some variation by state). But for people with higher incomes or assets, a private long-term care policy is needed in addition to Medicare, if the person wants to avoid having to pay out-of-pocket for long-term care needs.

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