Health Insurance Articles

The details about what health insurance policies do and do not cover has consistently made the news during the early weeks of February thanks to an ongoing public discussion about the availability of contraceptive care for women. ObamaCare, the president’s landmark health care legislation, will require many employers across the nation to purchase policies for [...]

Due to ObamaCare, the landmark health insurance law passed early in Obama’s presidency, many Americans are accustomed to thinking of health insurance as a national matter. In fact, however, states can also set and implement their own policies with regard to insurance for those residing within their borders. This is the case with Massachusetts, which [...]

President Obama’s landmark health insurance legislation was designed to allow Americans to purchase affordable policies that would deliver quality medical care. New research, however, suggests that at least 75% of Americans who are currently uninsured live in areas of the nation that have not yet developed adequate plans to implement the law. This is a [...]

The United States Department of Health and Human Services estimates that nearly three-fourths of Americans over the age of 65 will at some point during their lifetime require long-term medical care in one form or another. In the same group, more than 40% will need that care to come in the form of a nursing [...]

There is perhaps no more important time for consumers to have a good health insurance policy than during an economic downturn. It is when times are tough that Americans may be most unable to pay for their health care needs out of their own pockets. At the current time, however, spending on health care in [...]

Small business owners are concerned about higher health insurance premiums in the year to come. While this concern is nothing new – health insurance costs have been rising faster than the rate of inflation for many years at this point – today’s concern has a new dimension: uncertainty over the future due to the passage [...]

In a move intended to make The Affordable Care Act, also known as ObamaCare, acceptable to a greater percentage of the population, the Obama administration has announced that major health care decisions will be under the control of the individual states. The landmark health care legislation puts forth a system in which all Americans must [...]

Daily life can be busy. So busy, in fact, that many people do not do a lot of thinking about the distant future. While this is understandable in a time when more and more of our fellow Americans are working two and even three jobs just to make ends meet, it is still a mistake [...]

A new study whose results have just been released by the Obama administration has indicated that more than 2.5 million young adults have been able to take advantage of the provisions of The Affordable Care Act in order to stay on their parents’ health insurance policies. The report, which was published by the Department of [...]

President Barack Obama’s landmark health insurance legislation received a potential boost from a strange source this week: one of its fiercest opponents. Obamacare, which includes both the Patient Protection and Affordable Care Act and the Health Care and Education Reconciliation Act, is currently undergoing a series of legal challenges concerning the constitutionality of several of [...]

The federal government has rejected a request from the state of Indiana for an exemption from certain rules governing health care. The decision, undertaken by the U.S. Department of Health and Human Services this week, will likely mean that Indiana residents who choose to purchase their own health insurance coverage in the private market should [...]

The state of Indiana has been implementing consumer-driven health care insurance policies for several years for its state workers. In this model of health care coverage, policies feature low costs in terms of premiums, but high out-of-pocket costs. The rationale for this arrangement is the belief that if consumers must pay more immediately for their [...]

The major health insurance reform law known as ObamaCare included tax credits intended to make it easier for small businesses to purchase such insurance for their employees. This week, however, the Ways and Means Oversight Committee of the U.S. House of Representatives will hear testimony about whether or not those tax credits are accomplishing their [...]

The controversy surrounding elements of President Obama’s health care insurance policies had their day in court this week, with the U.S. Court of Appeals upholding a lower court ruling that upheld the individual mandate. Although several provisions of the Affordable Care Act have been subject to dispute, The Individual Mandate, widely considered a core element [...]

Many Americans are keenly aware of the need for basic or even comprehensive health insurance and understand that adequate coverage can play a key role in safeguarding the stability of family finances. Unfortunately, fewer people in the nation have just as clear an understanding regarding the importance of long-term care insurance, a special form of [...]

The State of Massachusetts has long been a leader in trying innovative approaches in an effort to lower health insurance premiums for its residents. It was this state that provided the model for the health care insurance approach embedded in the Affordable Care Act passed during the presidency of Barack Obama and now known more [...]

In the U.S. system of health insurance, states usually have the responsibility for regulation and oversight of the industry. It has long been a point of interest to consumers and economists alike that rate increases for health insurance plans tend to increase at a rate that is significantly higher than the general rate of inflation. [...]

Ever since the passage of Obama Care, officially known as the Affordable Care Act, States have been charged with several responsibilities. One of these is to establish systems by which the State can protect consumers by exercising ‘prior approval’ over health insurance rate increases that are deemed unreasonable. Although the California Department of Insurance has [...]

A new survey has demonstrated that health insurance rates, though still increasing, are now doing so at a slower rate than at any time since 1997. The survey focused on group policies offered by companies and revealed that the average rate hike in 2012 is forecast to be slightly less than 5.5%. The average increase [...]

Health insurance coverage provided by CIGNA ® is available in a variety of different packages that are made to suit all types of families and individual circumstances. A trusted dentist is an important aspect of your health and that of your family. Dentists do not only check for cavities. Diseases related to the mouth such [...]

One of the most heated issues in American politics today is the debate over health care reform legislation. There are a plethora arguments and motives on both sides of the debate but the one truth is that the American healthcare system as it stands cannot sustain itself without bankrupting the federal government. With over 40 [...]

Dental health is a must, but the cost can be hefty if you’re without coverage. Finding out how to be covered is definitely an easier-said -than-done process. A trouble-free solution is available for you. The majority of people when asked do not associate Dental insurance with their current health insurance plan. Are you one of [...]

A very good question all persons should ask themselves “Is my family properly covered & insured?” Evidence shows that most believe in having a solid healthcare policy. But truly are unaware that they are not properly covered for certain situations that may occur in the event of a serious medical condition or emergency. The Reality [...]