What are your insurance gaps?

The recent earthquakes in Southern California are a good reminder that a financial service should match your needs and goals. This comes under the GET READY! Principle that You should receive customized service appropriate to your needs and goals. Your potential financial needs should be reviewed for each type of financial product under consideration and take … Read more

Medicare Open Enrollment 2018 FAQ’s:

Medicare Open Enrollment season started on October 15th and goes through December 7th.  If you have traditional Medicare (Parts A and B), this is your annual opportunity to change or switch your Part D Drug plan, sign up for a Medicare Supplement (MediGap) or switch to Medicare Advantage.  If you are on Medicare Advantage, you … Read more

Individual Health Care Open Enrollment for 2019

The open enrollment period for 2019 health insurance coverage through marketplaces and other individual plans has started.  Most consumers will access coverage through the federal marketplace at www.healthcare.gov. Open enrollment ends on December 15 except for a few states that operate their own marketplace such as California, Colorado, District of Columbia, Massachussetts, Minnesota, New York … Read more

Health Insurance Market Outlook for 2019:

The Department of Health and Human Services recently announced that premiums for the benchmark silver policy on the federal health insurance exchange will go down by 1.5% next year (here). This follows last year’s large premium increases, as insurance companies passed on the loss of revenue from cost-sharing subsidies cancelled by Trump.  This stabilization of … Read more

The ACA keeps rolling:

Despite the turbulent waters, the ACA continues to show resiliency and positive momentum. Per the Mid-Year 2018 Health Insurance Segment Profitability Insights by Mark Farrah Associates: In an era when healthcare is at the forefront of legislative debate and the only consistent aspect of the system is that there isn’t any consistency at all, health … Read more

Website Resource: Optimal Insurance Deductible Calculator

On the tonysteuer.com website, you will find the Optimal Deductible Calculator which is designed to help you select the insurance deductible that provides the most value for you.  The Optimal Deductible Calculator can be used for any insurance policy that has a deductible including auto insurance, health insurance and homeowner’s insurance. The general rule is the … Read more