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Tag Archives: health insurance financing

What is a CDHP medical plan?

The goal of a CDHP is to expose you to the financial effects of medical-related expenses, which in turn gives you greater control over your health insurance costs. CDHPs include Health Savings Accounts, Health Reimbursement Arrangements, and High-Deductible Health Plans. In order to enroll in a CDHP health savings account, known as an HSA, you […]

What are self-funded health insurance plans?

Choosing to initiate a health insurance plan that is self-funded can seem risky for a small business, but it can make sense if you have employees that are younger and in overall good health. Providing health insurance for your employees might be required, but saving money on mandated coverage is possible, with a little knowledge […]

Why does Obamacare cost more money?

Obamacare may cost more than insurance did before the fundamental reforms. However, one must add in the same breath that the extent of coverage and depth of protection more than compensate for any added costs. Insurance that does not protect policyholders is not worth a price, even a lower one, to those in need. Before […]

HSA Accounts Under Obamacare

A Health Savings Account (HSA) is designed to be a tax savings mechanism to promote individuals saving for necessary medical expenses by giving them a tax break at the time that a contribution is made. Individuals contributing to an HSA are able to use that money to pay for certain medical expenses on a tax-free […]

Are premiums higher under Obamacare for smokers?

How does the Affordable Care Act affect smokers? The Affordable Care Act does allow insurance companies to charge higher monthly premiums to those who are considered smokers. Insurers can charge smokers up to 50 percent more because of the tobacco surcharge. When you apply for health insurance, you have to report on your application whether […]

What counts as income under Obamacare?

The Affordable Care Act provides certain levels of financial assistance for individuals who are trying to obtain health insurance for themselves and their families. To determine eligibility for any of these cost-assistance programs, government agencies will need to take a close look at your income. They’ll need information regarding the income of everyone in your […]

Can you buy health insurance for one month?

Health insurance is quite a complex topic. There are many laws, rules, and regulations surrounding what insurance companies can do and what insurance policyholders are allowed to do. These laws are also subject to change, making the topic even more complex as you must update your information to the new laws and regulations as they […]

Is reimbursement for my health insurance taxable?

Generally speaking, reimbursements for health insurance are taxable if they were made in excess and contributed to the amount of income generated during the year. In addition, Health Reimbursement Accounts, often referred toHealth Reimbursement Arrangements, or HRAs, are tax-free. In order to determine which health insurance reimbursements are taxable, taxpayers need to understand a little […]

How often do I pay health insurance?

What is a health insurance premium and how often do I have to pay it? A health insurance premium is the monthly amount that you pay to your health insurance company to continue coverage. In addition to your premium, you may have to pay a deductible and copayment, which are not due monthly. If you […]

Is health insurance based on my income?

One can purchase health insurance outside of the Obamacare system without regard to income. Only the basic eligibility for qualified health insurance through the federal Marketplace or state exchanges depends on annual income. The Marketplace entry level is essentially the minimum needed to have a taxable income. The Marketplace moves applicants to Medicaid when they […]

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