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2016 Marketplace Health Insurance Plans & Prices Rising Under Obamacare (Affordable Care Act)

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[2016 updates] 2016 health insurance premiums under the state and federal health care system (Affordable Care Act) are rising. No doubt about that. The question is by how much. Recent reports and have a broad range (from 6% to 15%) as health insurance companies have started submitting requests to the regulator (insurance commissions) for big price increases in […]

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Health Care Premium Tax Credit (PTC) To Lower Monthly Health Insurance Premiums in 2015-2016

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[Updated for 2016] Under new health care laws (a.k.a Obamacare) a new tax credit has been made available to millions of Americans who purchase insurance via the new health insurance exchanges or marketplaces. The so called Premium Tax Credit (PTC) credit allows you offset the monthly premium costs of health care if your income is below certain […]

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2014 Subsidies and Tax Credits Under Obamacare Health Insurance

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With the roll-out of Health Insurance Marketplaces/Exchanges later this year (for plans effective in 2014) there is considerable uncertainty around the various tax credits and subsidies on premiums, deductibles, co-payments, and coinsurance. The value of these credits and subsidies are dependent on your income and family size and can significantly impact and alleviate your insurance […]

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2014 Obama Health Care Reform Changes – Mandatory Coverage Penalties, Health Care Exchanges, Tax Credits and Subsidies

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President Obama’s signature health care legislation, the Affordable Care Act, is very much in place now and in the next few months a number of Americans are going to see a lot more of the regulations and laws come into place. This includes: Penalties for No Health Insurance. Beginning in 2014, uninsured individuals must buy […]

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Call For Cheaper Auto Insurance With Your Current Provider By Getting Free Competitor Comparison Quotes

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The NY times had a great piece on the benefits of calling your auto insurance provider for a better rate on your current car insurance policy. In particular, if you can get cheaper auto insurance quotes from competitors, there is a good chance you can save a significant amount with your current provider; if they […]

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Top 4 Ways to Slash Your Auto Insurance Premium Payments

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Paying that auto insurance bill can be painful especially if you have never had to file a claim. Mistakenly, this prompts many consumers pick the cheapest insurance by dropping their coverage to levels that will leave them seriously exposed if they have an accident or suffer the theft of their car. However, you can actually cut […]

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Health Insurance Tax Credits to Help Millions of Middle-Class Families in Affordable Insurance Exchanges

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As part of new regulations under Obama’s health care legislation the U.S. Department of the Treasury and the Department of Health and Human Services (HHS) today took the next steps to establish Affordable Insurance Exchanges – one-stop marketplaces where consumers can choose a private health insurance plan that fits their health needs and have the […]

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Life Insurance: Why It’s Important and How to Choose the Right Policy

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Few people enjoy the idea of discussing how much life insurance they need and what the ideal policy is for them. However, the truth is that having a good life insurance policy in place is very important. In fact, it can make the difference between your loved ones being able to move on, or simply […]

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Options for Term Life Insurance Death Benefit Payouts

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There are pages written about how to buy term life insurance, but very few devoted to death benefit claims and payouts. Sadly, this topic is so neglected, that awareness levels on this matter are very low. Term life insurance is the best kind of life insurance available today, and it would be a shame if […]

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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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