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Health Insurance (Private, Medicare, Medicaid, ACA)

Explains private as well as federal and state health insurance options, including enrollment deadlines, plan types, and what each program covers.

Health Insurance (Private, Medicare, Medicaid, ACA) Insurance and Benefits

Medicare Supplement Insurance: The Safety Net They Don’t Advertise

The Coverage Gap That Could Cost You Thousands You've probably heard plenty about Medicare Parts A and B, but here's what might surprise you: traditional Medicare only covers about 80% of your medical expenses. That remaining 20% can add up to thousands of dollars annually, especially when you're dealing with serious health conditions or frequent…

ByTaylor Williams1 day ago0Comments

Health Insurance (Private, Medicare, Medicaid, ACA) Insurance and Benefits

The Part-Time Worker’s Guide to Scoring Full-Time Benefits

Here's what most people don't realize about part-time work benefits: you might be missing out on thousands of dollars in perks just because no one told you what you're actually entitled to. Companies aren't always upfront about what they offer part-timers, but the landscape has changed dramatically in recent years. The 30-Hour Secret That Changes…

ByBob Kim1 day ago0Comments

Health Insurance (Private, Medicare, Medicaid, ACA) Insurance and Benefits

Preventive Care: The ‘Free’ Stuff Your Plan Actually Covers

You might be missing out on hundreds of dollars worth of healthcare services that your insurance plan covers at zero cost to you. Thanks to the Affordable Care Act, health plans must cover specific preventive services without charging deductibles, copayments, or coinsurance. Yet millions of Americans skip these benefits, often because they don't know what's…

ByTaylor Williams1 day ago0Comments

Health Insurance (Private, Medicare, Medicaid, ACA) Insurance and Benefits

The Self-Employed Person’s Health Insurance Tax Hack

Being self-employed means you're often paying for health insurance twice: once with after-tax dollars for premiums, then again through higher taxes. Most freelancers think they're stuck with this double expense. There's actually a better way. The Hidden 100% Write-Off Self-employed individuals can deduct up to 100% of health insurance premiums they pay for themselves, their…

ByBob Kim1 day ago0Comments

Health Insurance (Private, Medicare, Medicaid, ACA) Insurance and Benefits

Special Enrollment Periods: Life Events That Open Insurance Doors

Missing open enrollment doesn't mean you're stuck without health insurance for the rest of the year. Here's what insurers don't advertise: specific life changes create special windows where you can enroll in or switch coverage outside the typical November through January window. You might be missing out on opportunities to get better coverage or save…

ByTaylor Williams1 day ago0Comments

Health Insurance (Private, Medicare, Medicaid, ACA) Insurance and Benefits

Short-Term Health Plans: Bridge or Trap?

Short-term health insurance sounds like a reasonable solution when you're between jobs or waiting for employer coverage to kick in. But these plans can be financial quicksand for anyone who doesn't understand their massive limitations. Let's separate the facts from the marketing hype and figure out when these plans actually help versus when they'll leave…

ByBob Kim1 day ago0Comments

Health Insurance (Private, Medicare, Medicaid, ACA) Insurance and Benefits

The Working Spouse Dilemma: Dual Coverage Strategies

When both spouses work and have access to health insurance through their employers, the assumption is often that more coverage equals better protection. But dual health insurance coverage often creates more confusion and higher costs than benefits. Understanding coordination of benefits rules and making strategic choices about coverage can save your family thousands of dollars…

ByBob KimOctober 1, 20250Comments

Health Insurance (Private, Medicare, Medicaid, ACA) Insurance and Benefits

High-Deductible Plans: When ‘Cheaper’ Actually Costs More

High deductible health plans (HDHPs) promise lower monthly premiums, but they often create unexpected financial burdens that can make healthcare more expensive overall, especially for people who actually need medical care. Understanding these hidden costs can help you make better insurance decisions. Twenty-seven percent of covered workers are now enrolled in HDHPs, up from just…

ByTaylor WilliamsSeptember 21, 20250Comments

Health Insurance (Private, Medicare, Medicaid, ACA) Insurance and Benefits

How to Game Your HSA Like a Retirement Account (Legally)

Your Health Savings Account isn't just for medical bills: it's actually one of your most powerful retirement tools hiding in plain sight. While most people use their HSA like a checking account, draining it for every doctor visit and prescription, smart investors are treating it like a secret weapon that beats both 401(k)s and Roth…

ByTaylor WilliamsSeptember 17, 20250Comments

Health Insurance (Private, Medicare, Medicaid, ACA) Insurance and Benefits

The ‘Christmas Morning’ Strategy: Why January Health Plan Shopping Saves You Thousands

I'll never forget the morning my friend Sarah called me in tears. It was mid-January, and she'd just gotten a $3,400 bill for her husband's emergency room visit. "I thought we had good insurance," she sobbed. That's when I learned they'd been auto-enrolled in their employer's most expensive plan because they'd missed the December deadline.…

ByBob KimSeptember 11, 20250Comments