Key TakeawaysFrozen and burst pipes are often covered by homeowners insurance, but only when the home is properly heated and maintained. It’s important to understand what is and isn’t covered – especially when it comes to neglect, gradual leaks, or damage that occurs outside the home. With the right preventive steps and a quick response […]
Does Homeowners Insurance Cover Frozen Pipes? Read More »
The Affordable Care Act (ACA) has faced numerous legal challenges, but has been upheld three times by the Supreme Court1 and the ACA’s preventive care mandate was separately upheld by the Supreme Court.2 And while there have also been legislative efforts to repeal or replace the ACA, they have not been successful.3 Over the years,
50 populations whose lives are better thanks to the ACA Read More »
Budget-conscious drivers are always searching for the cheapest possible car insurance—ideally with nothing due upfront. While many insurers now advertise “$0 down” or “low down payment” options, the truth is that real no-deposit car insurance still doesn’t exist. To legally begin an insurance policy, you Read More… The post How to Get Very Cheap Car
How to Get Very Cheap Car Insurance with No Deposit Read More »
If you are injured in a car accident that is not your fault, the at-fault driver (through their insurance company) is ultimately responsible for your medical bills. However, the at-fault driver’s insurer does not pay your medical bills as they occur. They will not reimburse Read More… The post Will Insurance Pay for Medical Bills
Will Insurance Pay for Medical Bills After an Accident? Read More »
In this article Who’s experiencing Marketplace sticker shock? Review the available plans. (Those won’t change.) Understand your income as a percentage of the federal poverty level Understand how HSA contributions can affect your MAGI Update your Marketplace account Remember the Dec. 15 deadline (in most states) and stay tuned for updates If you’ve looked at
What can you do if you’re feeling Marketplace sticker shock? Read More »
In this article How much is a dental cleaning cost without insurance? Do I need insurance to get my teeth cleaned? What factors can impact the cost of a dental cleaning? How much does the COVID vaccine cost without insurance? How much is a dental cleaning cost without insurance? Without dental insurance, the average price
How much do dental cleanings cost without insurance? Read More »
In this article Higher premiums coupled with expiration of subsidy enhancements Changes to state-funded subsidy programs in some states Higher limit for maximum out-of-pocket costs No cap on excess APTC (subsidy) repayment No Marketplace subsidies for low-income recent immigrants Bronze and Catastrophic plans: HSA eligibility and increased access Marketplace insurer entries and exits Illinois residents
2026 ACA open enrollment period preview Read More »
In this article Many older Marketplace buyers face drastic premium hikes ‘Subsidy cliff’ affects households with incomes above 400% of federal poverty level American Rescue Plan and Inflation Reduction Act temporarily eliminate ‘subsidy cliff’ Why it’s called a ‘cliff’ Areas with higher average premiums will be hit hardest by the ‘cliff’ If Congress doesn’t extend
‘Subsidy cliff’ will return in 2026 if Congress doesn’t act Read More »
In this article ACA Marketplace individual and family health insurance COBRA continuation of group coverage Medicaid Insurance through a spouse’s health plan Short-term health insurance Frequently asked questions In the United States, nearly half of the people under the age of 65 get their health insurance from an employer.1 But the downside of having health
Health insurance for the unemployed Read More »
In this article What is the OBBBA? Medicaid applications and renewal will get more complex Planned Parenthood no longer eligible for Medicaid reimbursements Low-income immigrants will lose subsidy eligibility Subsidy recipients face full repayment of excess APTC More Marketplace plans can be used with health savings accounts (HSAs) Why does HSA access matter? The One
One Big Beautiful Bill Act brings sweeping changes to health coverage Read More »
