If you’re a small-business owner and you’d like to reimburse your employees, pre-tax, for the cost of health insurance that they buy on their own, you have two options: An ICHRA (Individual Coverage Health Reimbursement Arrangement) or a QSEHRA (Qualified Small Employer Health Reimbursement Arrangement).1 As long as you have fewer than 50 full-time equivalent […]
ICHRA vs QSEHRA: Which is right for your small business? Read More »
In this article How is mental health treatment covered by health insurance? How did the Affordable Care Act expand coverage of mental health care? Do ACA mental health coverage requirements apply to all health insurance? Does mental health parity mean health plans must cover mental health? Does most health insurance cover therapy and medication? Do
9 mental health insurance questions consumers should ask Read More »
In this article Why we think Medicaid cuts are likely What Medicaid cuts are being considered? Medicaid work requirements Remove the current floor on the federal Medicaid matching rate Reduce the federal matching rate for Medicaid expansion Implement per-enrollee caps on federal funding Rescind some Biden administration rules Medicaid cuts would result in reduced benefits
The most likely targets for Medicaid cuts Read More »
In this article Your kids might be eligible for Medicaid even if you’re not. Your children can enroll in Medicaid at any time. Medicaid might help pay for employer-sponsored coverage for your children. A child’s disability may make them eligible for Medicaid. In most states, you’ll need to renew your kids’ coverage each year. If
Medicaid for children: 6 facts every parent should know Read More »
Key takeaways What is managed care? And why do health plans have managed care designations? Four types of managed care What’s the difference between an HMO and a PPO (and other types of managed care)? What might you consider when buying an HMO, EPO, PPO or POS plan. Confusion over what is and isn’t managed
HMO vs PPO vs POS vs EPO: What’s the difference? Read More »
In this article How can a President start making changes on ‘Day One?’ How quickly can a President make policy changes through federal rulemaking? What types of policy changes are possible via rulemaking? Is it possible to overturn a predecessor’s rule quickly? How can one-party control of the White House and Congress speed policy changes?
Can a new President make health policy changes on ‘Day One?’ Read More »
Reasons to enroll in an ACA health plan by December 15? Delaying your enrollment might mean no coverage in January Delayed enrollment might mean missing out on free money If you’re auto-renewing your 2024 plan, you could be surprised on January 1 January out-of-pocket expenses won’t transfer to a plan that starts in February Open
Four reasons to not wait until January to enroll in an ACA health plan Read More »
In this article What’s next for Marketplace health insurance subsidies after 2025? How have ARP’s subsidy enhancements affected eligibility for Marketplace premiums? What are the enhanced subsidies now, and how might subsidies work in 2026? Who will feel the change the most? ACA subsidy rules prior to ARP Temporary subsidy enhancements under the ARP and
How sunsetting ARP’s subsidy enhancements would affect ACA subsidy amounts Read More »
In this article DACA recipients will be eligible to use the Marketplace Georgia switches to state-run Marketplace platform State-funded health insurance subsidies change in several states Some Oregon enrollees may switch to Basic Health Program Individual and family premium increases average 6-7% At least 19 states will see carrier entries or exits New short-term health
ACA open enrollment: what’s new for 2025 Read More »
A finalized federal rule announced by the Departments of Treasury, Health and Human Services, and Labor in March 2024, has imposed new nationwide duration limits on short-term limited duration insurance (STLDI) plans. The rule – which applies to plans sold or issued on or after September 1, 2024 – limits new STLDI plans to three-month
Finalized federal rule reduces total duration of short-term health plans to 4 months Read More »
