health insurance

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

3 comments

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 […]

Read the full article →

2016 and 2017 Flexible and Dependent Care Spending Accounts (FSA) Contribution Limits

18 comments

[Updated with 2017 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 and dependent care related costs. However every year various limits associated with FSA accounts are reviewed by the IRS and adjusted as needed. The table below summarizes the […]

Read the full article →

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

5 comments

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 […]

Read the full article →

2010 Obama Health Care Rules Effective Now – Under 26 Dependent and Pre-existing Conditions Coverage

5 comments

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. These changes will only initially impact people who buy new policies or are in plans where the coverage year is about to expire. But by 2011 most […]

Read the full article →

2018 HSA Contribution Limits and Tax Rules For High deductible Health Insurance Plans and Health Savings Accounts

10 comments

[Updated with latest HSA limits following new tax laws] Based on IRS figures and tax law changes, here are the latest HSA limits.  HSAs have risen in popularity thanks to health-care and tax law changes and the increasing use of high-deductible health plans (see earlier updates below). HSA plans and their equivalents have grown from just […]

Read the full article →

How Individuals can Control and Cut Health Insurance Costs

7 comments

There has been a lot of debate over health care reform the past year and how to control rising health care costs.  While many experts are unsure whether the passed health care legislation will actually control costs, Americans can still work to control their own medical costs by shopping around for the most cost effective […]

Read the full article →

How Will Health Care Reform Affect My Employer or Company Sponsored Benefits?

7 comments

Even though President Obama and Congress have signed into law sweeping health care reform many employees are still in the dark about how their employer sponsored health care benefits will be affected and wondering when new provisions in the approved health care bills will go into effect. Rather than reading through thousands of pages of […]

Read the full article →

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

10 comments

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 […]

Read the full article →