By Jeremy Vohwinkle If you worked for an employer that offered health benefits, when you decide to retire early or lose your job, it becomes quickly apparent how valuable that benefit was. Generally, when an employer offers health insurance coverage, the premium costs are split between you and the employer. Whether it is $20 or $300 per paycheck, you’re generally only paying a portion of the... 

By American Public Health Association Far too many U.S. children and adults are going without vaccinations because their health insurance does not fully cover the immunizations they need, according to a recent report from the Institute of Medicine. To address the problem, the report recommends that the nation’s private and public health plans be required by law to provide insurance coverage... 

By Kelly Montgomery This question would be much easier to answer if our health insurance marketplace were not so complex. Unfortunately, the average health insurance premium depends on a variety of factors: Insurance type: There are several different types of health insurance, including job-based coverage, individual policies, and government-funded plans like Medicare. The premium costs associated... 

You probably relied on insurance when you were working. It was a way to make sure that your family would be able to maintain the lifestyle you worked hard to establish if you died too soon. When you retire, it’s still important to think about your family’s needs and protecting those assets that you intend to pass along after your death. There are several types of insurance you can consider. Health... 

When investing in a disability insurance policy, the disability insurance rates that you pay are a major concern. There are several factors that affect the disability insurance rates. Let us take a look at some of them. Disability is not a thing that anyone would want for sure. But nevertheless, there are always chances of you incurring some kind of disability or illness. Thus, it is advised that... 

Typical Insurance Limitations and Exclusions Polices will vary quite a bit on their limitations and exclusions so it’s always very important to read the actual policy (not the marketing information) carefully before making a selection. Here are some limitations and exclusions common for many health insurance policies: * Pre-existing conditions Most health plans will have waiting periods of six... 

What is cancer insurance? Cancer insurance conceptually is very simple. Benefits are paid directly to you regardless of any other insurance you may have. You can then use the benefits to help pay for all of the extra costs associated with your cancer treatment. Cancer insurance policies supplement existing health insurance policies or income. Why purchase cancer insurance? The National Institute of...