Understanding Your Health Insurance Card
Your health insurance card contains essential plan details and coverage information. After enrollment, ensure you receive one or two cards and verify all information is correct, including plan type, network, cost-sharing, and primary care provider. Keep your card with you for medical visits and communications. If you lose it or find errors, contact your health […]
Maximize USA Health Insurance Benefits
Review plan details before renewing; options and terms may change yearly. Preventative care benefits are free, including adult vaccinations and screenings for those over 50. Know your plan’s formulary to avoid unexpected medication costs; consult your doctor for affordable options. Use HSA or FSA accounts to save tax-free dollars for health expenses like eyeglasses and […]
Medicare IRMAA Trap 2026: How to Avoid Higher Premiums
IRMAA is an extra Medicare Part B and D surcharge for high-income retirees, based on Modified Adjusted Gross Income from two years prior. In 2026, standard Part B premiums are $202.90, but higher earners pay 35%-85% more. Even $1 over the threshold triggers IRMAA, though appeals are possible after life changes. Planning, like Roth IRA […]
Gym Accident Coverage: Hurt While Getting Fit?
Getting active is great for your health, but injuries can still happen at the gym. Many people assume their health insurance automatically covers everything, yet some policies treat gym accidents differently or apply limits. In this guide, we explain what may be covered, when extra protection could help, and why it’s worth reviewing your policy […]
The pros and cons of Medicare Advantage: Should you switch to a private plan?
Medicare Advantage (MA) plans, heavily advertised and chosen by over half of Medicare enrollees, offer more coverage types and lower premiums than Original Medicare but come with trade-offs like limited provider networks, prior authorization requirements, and potential care delays. MA plans face criticism for misleading marketing, denied care approvals, and inconsistent quality. Switching between MA […]
California 2026: Could Your Prescriptions Drop 50%?
Californians on Medicare could pay roughly half for 10 high-cost drugs. Monthly costs for seven drugs may drop below $100 each. Medications include treatments for heart disease, diabetes, cancer, and autoimmune disorders. New prices take effect January 1, 2026, thanks to federal negotiations. Seniors could see substantial yearly savings, easing pressure on fixed incomes.
The average family is now spending $27,000 a year on health insurance, report finds
Family premiums for employer-sponsored health insurance rose 6% in 2025 to nearly $27,000, with workers paying about $6,850 on average. Rising costs are driven by higher healthcare spending, including expensive new treatments like GLP-1 weight-loss drugs. Employers may respond by reducing coverage or increasing employee cost-sharing, impacting wages and benefits. Small businesses face steep increases, […]
How to Save Money on Monthly Health Insurance Premiums
You might be eligible for a "premium tax credit" to reduce your monthly insurance premium when applying for Marketplace coverage. This credit depends on your estimated household income, and changes in income or household size can affect it. It's important to report these changes promptly to avoid owing money back at tax time. You may […]
ACA Health Plan Enrollment
The Affordable Care Act (ACA) enrollment period is the time when individuals and families can sign up for new health plans or update their current coverage. Many households qualify for premium subsidies based on income, which can make ACA plans far more affordable than expected. All marketplace plans cover essential health benefits such as preventive […]
Health Insurance Costs Rising 2026
If enhanced federal subsidies expire, premiums for 1.9M Californians could nearly double in 2026. Enhanced Premium Tax Credits capped premiums at 8.5% of income; set to expire end of year. Latino Californians may see ↑122% in premiums; Black Californians ↑106% if subsidies end. Up to 400K Californians could drop coverage; uninsured could rise by 10.9M […]