Clients of mine who have major pre-existing conditions like cancer, heart disease, diabetes, COPD, etc. have only one option for healthcare insurance and that’s Obamacare. Obamacare is guaranteed issue for anyone with major pre-existing conditions. Now why do some people get a lower premium? If an individual or family is receiving a lower premium it […]
Which Healthcare Insurance Plan is Right for You?
“Do I need to be on an Obamacare plan (Affordable Care Act),” this is a comment I hear about 50% all the time when I first speak to a new client. The fact is if you have NO major pre-existing conditions, you do not have to be on an Obamacare plan. Also, the good news […]
Should I Go With a High or Low Deductible?
As I help clients customize a healthcare insurance plan, I remind them that there are more costs to consider when deciding between a high or low deductible. It’s important to understand what the terms premium, deductible, out-of-pocket limit, co-insurance, and co-payment mean and how they all work together. Understanding these basic healthcare insurance vocabulary insurance […]