health insurance

My Employer Once Again Hikes Health Insurance Premiums During Open Enrollment

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It’s that time of the year again. Open enrollment. It’s also fall, but as this is a personal finance blog, weather is not the focus. My current employer, a Fortune 500 firm, recently released their 2013 contribution rates (i.e health insurance premium) for it’s employees and once again rates are rising. Their justification is that [...]

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Snapshot – American’s Who Don’t Have Health Insurance

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Here is my picture of the week from the Economist that shows the state-by-state heat map of American’s who don’t have health insurance. Much more than I thought. I found this graphic when I was recently browsing for private health insurance quotes to see if I could save money relative to what I pay through my standard company plan.  [...]

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2012 Medicare Part B Monthly Premiums By Income Levels And Tax Filing Status

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2012 Medicare Part B monthly premium rates that cover hospitals plus physician and outpatient expenses, are shown in the following table (by individual and joint filers) and reflect the 2012 COLA increase. The standard Medicare Part B monthly premium ($99.90) for existing beneficiaries reflects a $3.50 increase over the 2011 “harmless” premium of $96.40. New [...]

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Best Open Enrollment Choices as Health Care Insurance Continues to Rise

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According to preliminary results from their annual survey of 1,600 employers, Mercer expects employee health care benefit costs to increase by 5.4% next year. You will likely see these costs via higher monthly premiums during your organization’s open enrollment period. Fortunately, there are some things you can do to to mitigate the impact of rising [...]

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Comparing and Signing Up For the Most Cost Effective Private Health Insurance Plan

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The rising cost of health care coupled with many employers cutting back on benefits has led to a large number of people having to go out into the market place and find their own private health insurance plans to meet their coverage needs. In addition to being more costly than standard employer sponsored plans, the [...]

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Being Laid Off? Negotiate That Severance Package

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Just about anything involving money is a source for negotiation, but many people don’t think about the fact that their severance package is as well. Although we don’t want to think about that day when we may be laid off, it’s important to be prepared to negotiate our compensation package. Especially if you’re in a [...]

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Hope For the Best Prepare for the Worst – Smart Money Moves

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Have you heard of a double dip recession or a Black Swan? If either of these takes place, which is not out of the realm of possibly given current economic conditions, your financial future may be at serious risk. In order to avoid the effects of these two events, you must have your finances protected [...]

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2011 Medicare Premiums, Deductibles and Coinsurance Rates For Part B (Medical Insurance) and Part A (Hospital Insurance)

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Medicare, the federal health-insurance program for people 65 and older and their caregivers,  is going to see some changes in 2011 thanks to the implementation of new health care laws and there are some changes participants should be aware of during annual enrollment (to Dec 31st) and into next year. The following is a listing [...]

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2013 vs 2012 Flexible Spending Accounts (FSA) Changes and Limits

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[Updated for 2012 and 2013 limits] Flexible Spending Accounts (FSA) have been around for a while now and many families use them as a tax advantaged way to save for health care related costs. However, FSA have and are about to undergo some relatively significant changes due to provisions in President Obama’s health care reform. If [...]

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Buying Long-Term Care Insurance To Save For The High Cost of Assisted Living

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There’s a great deal of talk today about the “graying of America.” Thanks to advances in medical technology, many people are now living 20 or more years beyond normal retirement age. However, quite a few of these people must deal with poor health during those years. And, the increased longevity, coupled with expanded health care [...]

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