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Health Care and the Senate Tax Bill:

At the time of the writing of this newsletter, the Senate had not yet voted on the proposed tax bill, though it appears they have the votes and will vote shortly. Keep in mind that if the bill passes the Senate, it will need to reconciled with the bill that passed the House which has … Read more

No Good Deed Goes Unpunished: Auto Insurance

The logical assumption is that if you are a “good” driver, you will qualify for lower auto insurance rates. It turns out that there is also an exception to this rule if you are currently insurance by a smaller, “non-standard” insurance company and live in a lower-income community. The Consumer Federation of America reached this … Read more

Round and Round: The Senate Tax Bill and The Individual Health Insurance Mandate

The Senate has introduced into their proposed tax bill, a repeal of the individual health insurance mandate. Unfortunately, harming the ACA and individual American’s health insurance is still an agenda item for the GOP urged by Trump. From a numbers standpoint, it would increase federal revenues by $338 billion over 10 years. However, the cost … Read more

Learn more about term life insurance and guaranteed universal life insurance:

Term life insurance is a simple concept and is the only type of life insurance that functions as all other types of insurance by simply providing coverage for a risk at a certain premium. Guaranteed Universal life is the exception as it essentially functions as a term life insurance policy up age 120. Term life … Read more

Affordable Care Open Enrollment 2017 Open and free health insurance!

Open Enrollment for 2017 is now open for the Affordable Care Act.  It’s important to note changes to open enrollment including the limiting of the open enrollment period from 12 weeks to 6 weeks for those who purchase policies through the federal health insurance exchange at with Open Enrollment closing on December 15, 2017. … Read more

Here’s what you need to know about ACA Open Enrollment 2017:

Open enrollment for individual health insurance policies is coming up. It is important to be aware of significant changes that will impact those applying for new coverage or changing coverage. Being familiar with these changes, will help you successfully keep your health insurance and/or enroll. Since January, there have been multiple attempts to formally repeal … Read more

What You Need To Know About Medicare Open Enrollment?

Medicare Open Enrollment is from October 15th to December 7th. This is the only time of year when you can make changes. Here your options: Do nothing Move from Medicare Advantage to traditional medicare. Medicare allows you to see any doctor or hospital in the country that accepts Medicare. Good if you live part of … Read more

Why health care spending is the real issue

If health care spending is $10,000 per person a year, the annual health insurance outlay between insurance premiums, deductibles, co-pays, co-insurance and other out-of-pocket costs must exceed $10,000. That is a reality. As mentioned in A Health Insurance Roadmap, addressing costs should be a main topic of conversation.