The year 2023 marks the tenth year of operations for the US health insurance exchanges since they launched as part of the Affordable Care Act in 2014. The individual market has remained fluid during this time, with insurer participation, pricing, and plans changing from year to year.
Consumer participation increased by 25 percent to approximately 16 million from 2020 to 2022, coincident with extended enrollment periods and enhanced subsidies implemented under the American Rescue Plan Act of 2021 and extended through 2025 by the Inflation Reduction Act of 2022.
We have collected and analyzed data from every health insurance exchange…
individual health insurance
Legal and Financial Planning for People with Dementia
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Many people are unprepared to deal with the legal and financial consequences of a serious illness such as Alzheimer’s disease or a related dementia. Legal and medical experts encourage people recently diagnosed with a serious illness — particularly one that is expected to cause declining mental and physical health — to examine and update their financial and health care arrangements as soon as possible. Basic legal and financial documents, such as a will, a living trust, and advance directives, are available to ensure that the person’s late-stage or end-of-life health care and financial decisions are carried out.
A complication…
Does Divorce Change My Estate Plan?
Yes! Even if you don’t have a written estate plan, you have an estate plan per the laws of your state. If you get divorced, the nature of your estate plan will change.
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If you have a written estate plan and get divorced, once your divorce is final, you need to update your plan.
It is likely your divorce may change things such as your:
legal name,
Trustees,
beneficiaries,
Power of…
EHR Threats? – Rickard & Associates
A recent warning highlights that electronic health records (EHRs) are a top target of cybercriminals.
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The Health Sector Cybersecurity Coordination Center (HC3) issued a warning to healthcare entities regarding EHR vulnerabilities and protections.
Protected health information (PHI) continues to hold its value on the dark web and is a constant target of cybercriminals.
With the recent growth of telehealth and healthcare technology, we have seen a large increase in cybercrime and…
Ending medical coverage for the uninsured harms vulnerable people: OMA
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Published March 31, 2023 • Last updated 6 days ago • 3 minute read
Rose Zacharias, president of the Ontario Medical Association, poses for a photo in Ottawa Friday. Zacharias said the organization is in talks with the government about extending a program to provide care to uninsured Ontarians. Photo by Tony Caldwell /POSTMEDIA
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The Ontario Medical Association will continue to press the provincial government to reinstate a program that extends health coverage to people without insurance, its president Dr. Rose Zacharias has said.
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Best Travel Insurance Companies Of April 2023 – Forbes Advisor
Comprehensive travel insurance policies package together a number of valuable benefits. You can also buy policies that cover only trip cancellations or only medical expenses. With the wide variety of travel insurance plans available, you can find coverage levels that will fit your budget and trip needs.
Look for these top coverage options in a comprehensive travel insurance plan.
Trip cancellation insurance
You don’t book a trip with the intention of canceling it, but unexpected illness, injury, family member sickness, jury duty and more could disrupt plans. Trip cancellation insurance reimburses you 100% for the money you lost in prepaid,…
Sources of financial aid and insurance for hearing aids
When you’re ready to purchase hearing aids, you don’t want to waste time finding out if you qualify for monetary assistance. Based on the way most people are provided with financial support, we have put together a prioritized list below to help uncover your options.
Does health insurance cover hearing aids?
Hearing aids are generally not covered by medical insurance, although insurers sometimes offer optional hearing/vision/dental plans that may include coverage for hearing tests and hearing aid fittings.
Other options for paying for your hearing aids may include financing offered by your hearing care professional, credit from a third party…
Financially preparing for a baby
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For many, having a child is a milestone and an exciting time for expectant parents. However, the delivery in and of itself — especially at a hospital — can be extremely expensive and can potentially derail future financial goals.
To avoid being caught off-guard due to a hefty medical bill, here are all of the costs involved with giving birth, the average cost of delivering a child in the US and what you can do to financially prepare.
Family Planning
Key childbirth statistics
August is the month with the highest average birth rate in the US
Due dates…