Insurance

Obama Health Care Reform Rules and TimeLines, Medicare Rebates, FSA/HSA Changes, Family Coverage and Lifetime Caps

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[Update Sep 2010] Several New Health Care Rules Effective Now With the passage of health care reform a major political achievement for the Obama administration, Americans will finally start seeing the actual impacts of many of these new laws. The main changes are discussed in the previous updates below, but here are the key new [...]

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Life Insurance Reality Check – Do you have enough?

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Life insurance should be an important component of your financial planning. If you have a young family, it could actually be the most important element of their security. Surprisingly though a lot of people do not have affordable life insurance. Among those who already have life insurance, a vast majority does not have enough coverage. [...]

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Getting Low-Cost Auto Insurance Rates – Five Things To Look For

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Low cost auto insurance rates are available everywhere, as companies cater to people trying to cut costs wherever they can. Unfortunately, not all insurance companies are equal, and low insurance rates can turn into a big future hike if you do not know what to look for or what to avoid. It is a good [...]

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Open Enrollment and Employer Health Insurance – Making the Most Despite Fewer Benefits and More Expensive Premiums, Deductibles and Co-pays

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It’s that time of year again when workers have to review and are able to modify their employer sponsored health care insurance and other “fringe” benefits. Unfortunately as I reviewed my health care benefits it seems that my employer is providing less (like excluding Chiropractic benefits) but raising premiums, co-pays and deductibles – which was [...]

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Life Insurance – Whole versus Term and choosing the right option

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As I get older and my family grows, one question that comes to mind is, “will they manage if something happens to me? Particularly from a financial aspect.” I can’t do much to prevent the emotional impact, but I want to ensure that my family will not suffer financially if something should happen to me. [...]

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Health Care Plans: 10 Tips on Choosing the Right Option

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It’s that time of the year again when your choice of health care insurance plans comes to the fore – Open Enrollment (OE). During OE you can change your health care coverage and flexible spending allowances for the year ahead without penalty or a qualifying”life-event”. With health insurance premiums on the rise (8% this year), [...]

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