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Articles – healthinsurance.org

Individual health insurance under Obamacare
If you are self employed, or if your employer does not offer health insurance, you'll likely turn to the private market to purchase an individual health insurance plan.

POSTED AUGUST 01, 2018 12:10 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. 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 will change in late 2018.

POSTED AUGUST 01, 2018 5:05 AM
CO-OP health plans: patients’ interests first
As of July 2018, only four of the original 23 CO-OPs were still operational. The other CO-OPs have failed for a variety of reasons, including premiums that were too low and the unexpected loss of federal funding that was retroactively eliminated.

POSTED JULY 25, 2018 1:49 PM
How Obamacare improved mental health coverage
Without the ACA, we'd still have 45 million people without health insurance, including a significant number of people with behavioral health problems. And health plans would still be able to deny applications based on medical history, and sell plans that didn't cover behavioral health treatment at all.

POSTED JULY 05, 2018 8:43 PM
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 JULY 01, 2018 1:30 PM
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 JUNE 29, 2018 8:44 PM
Will you receive an Obamacare premium subsidy?
The ACA's premium subsidies are still available, and will be larger than ever in 2019. But many Americans may still be wondering, "Am I eligible to receive a premium subsidy – and if so, what should I expect?"

POSTED JUNE 29, 2018 12:45 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 JUNE 27, 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

The Medicare Blog

Preventing pneumonia is easy
Did you know that about 1 million Americans go to the hospital with pneumonia every year? Pneumonia is a lung infection caused by pneumococcal disease, which can also cause blood infections and meningitis. The bacteria that causes pneumococcal disease spreads by direct person-to-person contact. There’s a vaccine to help prevent pneumonia, but only 67% of […]

POSTED AUGUST 01, 2018 4:01 AM
Protect yourself from hepatitis
Did you know viral hepatitis, an inflammation of the liver, causes more than one million deaths per year worldwide? It’s about as many deaths as caused by tuberculosis and HIV combined. Fortunately, Medicare can help keep you protected from Hepatitis B and Hepatitis C, the most common types of viral hepatitis in the United States. […]

POSTED JULY 28, 2018 4:01 AM
Take charge, get tested for HIV
Did you know that 1 in 7 of the more than 1.1 million Americans living with Human Immunodeficiency Virus (HIV) don’t know they have it? Getting medical care, support, and maintaining safe behaviors can help improve the health and lives of people living with HIV. Medicare can help. Medicare covers HIV screenings for people with […]

POSTED JUNE 27, 2018 4:01 AM
Travelling abroad? Check your health coverage first!
If you’re travelling abroad, there’s a lot to do before you leave. There are suitcases to pack, an itinerary to plan, and perhaps a passport to renew. We want you to have a fun, relaxing trip—so don’t forget to include health coverage on your to-do list. If you have Original Medicare, Medicare covers your health […]

POSTED JUNE 12, 2018 4:01 AM
Even “healthy” guys need health screenings
Are you the type of guy who puts off doing a task and later wishes he’d just done it? Do you think that if you don’t feel ill, then everything must be fine? If you’re a man with Medicare, now’s the time to talk with your doctor about whether you should get screened for prostate […]

POSTED JUNE 01, 2018 4:01 AM
Choose health, not tobacco
Are you or a loved one hooked on tobacco? Make May 31—named by the World Health Organization as World “No Tobacco” Day—your starting point to kick the habit. Tobacco use is the second leading cause of death worldwide, responsible for 1 in every 10 adult deaths. Join the millions who’ve found a good reason to […]

POSTED MAY 31, 2018 4:01 AM
Not getting quality care? We want to know.
If you don’t think you’re getting high-quality care, you have the right to file a complaint. When you’re unhappy with the quality of your health care, it’s often useful to talk about your concerns with whoever gave you the care. But, if you don’t want to talk to that person or need more help, you […]

POSTED MAY 23, 2018 4:01 AM
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

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