What is the “Marketplace”?

Most people are covered with health insurance from their employer. If you do not have health insurance through your employer you can visit healthcare.gov to use the government insurance exchanges. Through this website, you are able to select your state, and then be...

PPO vs HMO

When picking health insurance you need to find out what type of plan fits you the best. There are 2 different types of plans Health Maintenance Organization (HMO) and a Preferred Provider Organization (PPO). The main differences between the types of plans are your...

Surviving a High-Deductible Health Plan

High-deductible health plans have lower monthly premiums but can cost you more when you go to a doctor, specialist, clinic or the hospital. Because of this many people are skipping or postponing routine or other medical care because they cannot afford to pay upfront....

Health Insurance Options When You Lose a Job

There are 2 main options when you lose a job; either COBRA or Marketplace.    When you leave a job outside of the normal enrollment period you have 60 days to enroll on the marketplace or you can choose COBRA (The Consolidated Omnibus Reconciliation Act) which is to...