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

The New Republican Senator’s Health Care Hoax

In what I thought was a huge announcement for a new Health Care Bill titled “Ensuring Coverage for Patients with Pre-Existing Conditions Act’’, that might mean Republican Senators actually cared about the estimated 50% of Americans who have pre-existing conditions that would make them uninsurable without the ACA, turned out to a world-class hoax worthy … Read more

Impact of the Tax Bill: ACA Individual Mandate and Insurance Overall

Should An Insurance Company Be Required to Tell You If You’re Underinsured? Well, this is a challenging one. Many homeowner’s have found out that they were not covered for damage from floods under their traditional homeowner’s insurance policy and would only be covered if they had a flood policy. For those homeowner’s who live in … Read more