Author: Ben Vasquez

Navigating Medical Debt: A Personal Story Navigating the complexities of medical expenses can be daunting, especially for those without health insurance. This is illustrated by the powerful story shared in a recent post. In this post, an individual spent two weeks in the hospital for appendicitis, bowel complications, and abscesses. Despite lacking health insurance, they…

Are you thinking about moving out on your own? Calculating if you have the financial means to live independently is essential. In this blog, we’ll delve into this topic using a recent post and provide valuable insights to help you make an informed decision. Calculating Your Expenses To determine if you can afford to live…

It’s understandable to be concerned about the availability of doctors when considering a switch to an Obamacare plan. Let’s explore this issue and provide valuable insights to help you make an informed decision. What is PHCS? PHCS (Provider Health Choice) is a network that connects doctors and hospitals to insurance companies. Some doctors and hospitals…

Facing Job Loss During Pregnancy: Options for Health Insurance Coverage Losing a job while pregnant can create a stressful financial situation. Finding affordable health insurance coverage is crucial for ensuring the health of the mother and the baby. In this blog, we will discuss some options available to those who face job loss during pregnancy…

Living independently as an individual with a disability can bring forth multifaceted challenges. One of the most pressing concerns is ensuring access to affordable healthcare coverage. The Affordable Care Act (ACA) has transformed the landscape of healthcare by expanding coverage options and providing financial assistance to millions of Americans, including individuals with disabilities. Medicaid and…

Divorce can bring about several changes in life, including adjustments to health insurance coverage. In the case of military members, their former spouses might be eligible for continued Tricare coverage for up to a year after the divorce finalizes. However, recent research has raised questions about eligibility timelines, leaving many concerned about potential healthcare debts….

If you’re like many individuals in the state of Texas, you may be facing challenges in finding affordable health insurance coverage. This blog post will provide guidance on how to navigate the healthcare system in Texas and explore the options available to you if you have low income. We will also cover essential information about…

Is it true that no one accepts the plans on Healthcare.gov? The short answer is: no. Millions of people have purchased health insurance through Healthcare.gov, and the vast majority of them have been able to find doctors who accept their plans. In fact, many of the plans offered on Healthcare.gov are from major insurance companies,…

The debate over traditional health insurance versus alternative options has been ongoing since the Affordable Care Act (ACA) was passed in 2010. While the ACA has provided coverage for millions of Americans, it has also left many others facing high premiums and unaffordable deductibles. As a result, some individuals have begun exploring alternative options, such…

What is a Pre-Existing Condition? A pre-existing condition is any health problem that you have before you enroll in a new health insurance plan. This can include conditions that have been diagnosed, treated, or even just symptoms that you have had. Why is it Important to Disclose Pre-Existing Conditions? When you apply for a new…

The Affordable Care Act (ACA) has made it easier for people to get health insurance, even if they have a pre-existing condition. The ACA also prohibits insurers from denying coverage to people with pre-existing conditions. If you don’t have health insurance, you may be eligible for financial assistance to help you pay for coverage. You…

If you have health insurance through the marketplace, you may have ticked a box stating that you cannot be claimed as a dependent on your tax return. However, there sometimes occurs a dilemma where parents, who do not have health insurance coverage, insist on claiming their children as dependents. This raises the question: Can they…

Introduction Retirement is a significant life event that can bring both challenges and opportunities. One key aspect of retirement planning is healthcare. The Affordable Care Act (ACA), commonly known as Obamacare, has significantly impacted the healthcare landscape, offering various options for individuals navigating healthcare expenses during retirement. This blog delves into specific topics related to…

When purchasing an ACA health insurance plan, understanding the deductible is crucial. A deductible is the amount you must pay out-of-pocket before your health insurance starts covering your medical expenses. Deductible Options in ACA Plans ACA plans offer a range of deductible options, typically ranging from $1,000 to $7,000. The higher the deductible, the lower…

The Affordable Care Act (ACA) has made health insurance more affordable for many people. If you’re not sure if you qualify for ACA subsidies, it’s worth checking out the HealthCare.gov website. You may be surprised at how much you can save. Who is eligible for ACA subsidies? To be eligible for ACA subsidies, you must…

The recent experiences of a Chicago resident having difficulty finding insurance coverage for Northwestern Hospital on an individual plan highlight the importance of understanding insurance options and how to navigate the healthcare market. While the Affordable Care Act (ACA) has expanded access to health insurance, it’s crucial to be aware of potential limitations and gaps…

When you contribute to a Health Savings Account (HSA) through payroll deductions, it’s important to understand how those contributions are reported on your W-2. Let’s explore this sub-topic of ACA insurance based on a recent inquiry. The W-2 Box 12 Mystery A recent query highlighted a concern: HSA contributions made by an employer were not…

The question of obtaining affordable health insurance is one that many individuals face, especially those who don’t have access to coverage through their employer or who don’t qualify for Medicaid due to income restrictions. This blog post will delve into the intricacies of ACA health insurance, providing valuable insights to help you understand your options…

Introduction Navigating health insurance options can be daunting, especially when it comes to choosing between a high deductible health plan (HDHP) and regular insurance. In this blog post, we will delve into the key differences between these two health insurance plans, providing you with the information you need to make an informed decision. Understanding High…

As an executive, your company’s health insurance plan may not be as comprehensive as your previous employer’s plan. In this case, you may want to consider purchasing supplemental health insurance to cover any gaps in coverage. There are many different types of supplemental health insurance plans available, so it’s important to shop around and compare…

ACA Health Insurance: Comprehensive Coverage for Women’s Health The Affordable Care Act (ACA) has transformed health insurance, expanding coverage and access to essential health services, including cancer screenings for women. In this blog, we’ll explore the ACA’s impact on women’s cancer screenings and provide valuable information to help you understand and navigate your coverage. The…

When it comes to health insurance, understanding your deductible is crucial. A deductible is a specific amount you must pay out-of-pocket before your insurance starts covering the cost of your medical expenses. It’s like a safety net to protect you from high medical expenses, but also means you’re financially responsible for smaller medical expenses. High…

Insurance can be a complex and confusing topic, especially when it comes to understanding how copays, deductibles, and assistance programs work together. A recent post highlighted a common issue faced by many individuals: being billed for medication after using a copay assistance program. This blog post aims to provide a comprehensive explanation of these concepts…

Your health is your most important asset, so it’s important to make decisions that will protect it. If you’re considering playing basketball, it’s important to be aware of the risks of injury and to weigh those risks against the benefits of playing. Benefits of Playing Basketball Basketball is a great way to get exercise, improve…

The Affordable Care Act (ACA) has significantly impacted the lives of many Americans, including young adults. This comprehensive law has expanded access to affordable health insurance, making it easier for people to get the health care they need. Key Features of the ACA for Young Adults: Expanded Medicaid: The ACA expanded Medicaid eligibility to include…

Losing health insurance can be a stressful experience, especially if you’re unsure of your options. However, there are various resources available to help you navigate this situation. In this blog, we’ll explore some of the options available, including COBRA and ACA plans, and provide guidance on how to find the best coverage for your needs….

With the advancement of medical technology, we now have access to a wide range of diagnostic tests that can provide valuable insights into our health. For individuals who prioritize their well-being, a full medical diagnostic can offer a comprehensive evaluation of their overall physical condition. What Does a Full Medical Diagnostic Involve? A full medical…

Millions of Americans rely on the Affordable Care Act (ACA) for their health insurance coverage. The ACA has made it easier for people with pre-existing conditions to get coverage, and it has also expanded Medicaid to cover more low-income Americans. One of the most important provisions of the ACA is the dependent coverage mandate. This…

If you are turning 26 soon and have been considering joining your mother’s Obamacare plan, there are several factors to consider. While it may seem like a good way to save money on health insurance, it’s important to weigh the potential costs and benefits carefully. Increased Premiums for Your Mother One of the primary concerns…

Introduction Healthcare expenses can be a significant financial burden for many individuals and families. Fortunately, the Affordable Care Act (ACA) has made health insurance more accessible and affordable for millions of Americans. In this comprehensive guide, we will delve into the nuances of ACA health insurance, specifically addressing frequently asked questions related to bronze plans,…