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Will you owe a penalty under Obamacare?
If you decide not to purchase coverage and remain uninsured, you can use the calculator on this page to determine the size of the penalty you would pay. But here's the good news: many uninsured Americans are exempt from the penalty, and premium subsidies are making health insurance affordable — often for the first time — for millions of people.

POSTED MAY 18, 2018 1:30 PM
The ACA’s cost-sharing subsidies
While the Affordable Care Act's premium subsidies help pay the cost of the health insurance itself, cost-sharing subsidies help to reduce out-of-pocket spending for eligible enrollees when they select Silver plans. The Trump Administration eliminated federal funding for cost-sharing reductions, but the benefits are still available to eligible enrollees. And because the cost of cost-sharing reductions has been added to premiums, premium subsidies are much larger in 2018 than they've been in previous years.

POSTED APRIL 29, 2018 7:34 AM
Self-employed health insurance deduction
It's important for the self-employed to know all the ways they can save a few dollars here and there. One obvious place to look is on their tax forms, but one look isn't enough: federal deductions for health insurance change regularly, so keep up with code changes.

POSTED APRIL 27, 2018 12:42 PM
5 ways to stay insured after college graduation
Here's a quick primer on the most logical and obvious coverage options that will help ensure recent college graduates can avoid a health insurance coverage gap.

POSTED APRIL 24, 2018 6:41 AM
Student health insurance: required reading
Clearly, students have a lot more coverage options as a result of the ACA. But how do you decide which option is best?

POSTED APRIL 12, 2018 3:20 PM
Obamacare penalty exemptions
According to the IRS, 7.9 million tax filers were subject to the penalty for being uninsured in 2014, but 12.4 million were able to claim an exemption from the penalty, despite being uninsured in 2014. Again in 2015, the number of exemptions surpassed the number of people who owed the penalty by a wide margin. And the Trump Administration has made it easier than ever for people to obtain hardship exemptions from the mandate.

POSTED APRIL 10, 2018 4:33 PM
Miss open enrollment? You’ve got options.
Open enrollment for 2018 ran from November 1, 2017 to December 15, 2017 in most states. Outside of those dates, enrollment on and off the exchange is only available if you experience a qualifying event, but for 2018, there are extensions and special enrollment periods available to millions of people. Short-term coverage is the closest thing you can get to "real" health insurance if you find yourself needing to purchase a policy outside of open enrollment without a qualifying event. Short-term plans are now limited to less than three months in duration, but that's expected to change in 2018.

POSTED FEBRUARY 20, 2018 6:05 AM
Healthcare insurance doesn’t have to break the bank
The answer is that affordable health coverage is out there and is possible – if you don't overlook some obvious strategies that will decrease your insurance costs.

POSTED JANUARY 18, 2018 9:16 PM
Billions in ACA rebates show 80/20 Rule’s impact
Ever since 2012, millions of Americans have received rebates from their health insurers each fall, refunding portions of prior-year premiums that were essentially too high.

POSTED JANUARY 15, 2018 7:34 AM
2018 Obamacare subsidy calculator
An impressive 85 percent of Americans shopping in the exchanges receive subsidies. If you're worried about the cost of premiums, use our subsidy calculator to see how much you'd save.

POSTED DECEMBER 20, 2017 9:44 PM

The Medicare Blog

Protect yourself from hepatitis with Medicare
Did you know that hepatitis, an inflammation of the liver caused by a virus, kills nearly 1.4 million people worldwide every year? Hepatitis is contagious. The Hepatitis B virus spreads through contact with the blood or other body fluids of an infected person. People can also get infected by coming in contact with a contaminated […]

POSTED MAY 07, 2018 4:02 AM
Stroke recovery—Medicare can help
Did you know that more than half a million people over the age of 65 suffer a stroke each year? If you’re recovering from a stroke and suffering major side effects, like problems with hearing or vision, paralysis, balance problems, or difficulty walking or moving around in daily life, Medicare covers rehabilitation services to help […]

POSTED MAY 07, 2018 4:01 AM
Look out for your new Medicare card!
Keep an eye on your mailbox—Medicare is sending new cards with new Medicare numbers to people with Medicare. Mailing has started in certain states and will continue over the next few months nationwide. Your new Medicare card will include a new number unique to you, instead of your Social Security Number. This will help to […]

POSTED MAY 02, 2018 1:55 PM
Have you checked your pressure?
About 1 in 3 U.S. adults have high blood pressure—and you could be one of them. If you haven’t checked your blood pressure lately, now’s the time to take a quick and easy test. High blood pressure usually has no signs or symptoms, but it can lead to a higher risk of heart disease, stroke, […]

POSTED MAY 01, 2018 4:03 AM
Protect your bones, protect your life
Brittle bones could shatter your life. Every year, more Americans are diagnosed with osteoporosis—a disease that causes bones to weaken and become more likely to break. You may not know that you have this “silent” disease until your bones are so weak that a sudden strain, bump, or fall causes your wrist to break or […]

POSTED MAY 01, 2018 4:02 AM
Too old? No such thing!
You can never be too old to improve your physical, mental, and emotional wellbeing. May is Older Americans Month, and it’s the perfect time to celebrate the many ways in which older adults can make a big difference. When we come together to celebrate this year’s theme of “Engage at Every Age,” people of all […]

POSTED MAY 01, 2018 4:01 AM
Our new Privacy Manager puts privacy choices at your fingertips
Your privacy is very important. That’s why we have important safeguards in place to protect the information you give us when you visit We’ve added a tool that lets you easily control some of the information we may collect from you. When you visit, we use common web tools to collect information—things like: […]

POSTED APRIL 26, 2018 4:01 AM
Celebrate Earth Day—Think globally, act locally!
Nearly 200 countries celebrate Earth Day on April 22—a day for encouraging awareness and action for the environment. How can you make your voice heard this year? Let Medicare help! Medicare has several electronic resources to help you manage your health care better. One great way is to sign up to get your “Medicare & […]

POSTED APRIL 22, 2018 4:01 AM
Rethink drinking
As you get older, alcohol may start to effect you differently. You may become more sensitive to it, and your regular drinking habits could become a problem. Drinking too much alcohol can cause falls and fractures. Alcohol can also cause dangerous interactions when mixed with prescription or over-the-counter medications. Over a long time, it can […]

POSTED APRIL 09, 2018 1:09 PM
New Medicare cards have started to mail!
Medicare has started sending new cards with new Medicare Numbers to people with Medicare. Your new Medicare card will include a new number unique to you, instead of your current Social Security-based number. This will help to protect you against fraud. Starting this month, people who are enrolling in Medicare for the first time will […]

POSTED APRIL 02, 2018 6:00 PM

NOTICE: The links and articles found on or within this news center are simply for informational purposes that we believe may be of benefit to our clients and/or website visitors. By providing these links on our website, we are not recommending or endorsing the use of the particular products or services these third parties offer. Nor does Laughlin Insurance, Inc. confirm, corroborate or agree to the statistics or opinions on these links and articles. We urge you to review each website’s Privacy Policy, Disclaimers, and develop an independent opinion of the service or product for any link pursued.