The Affordable Care Act (ACA) led to the establishment of the Health Insurance Marketplace where anyone could buy their own health insurance plan. The tax credits created by the ACA meant that Obamacare could be an affordable way to get coverage if you didn’t have...
Across the generations, there have been reasons to find alternatives to the biological imperative to breastfeed. Modern science has provided ever safer options for mothers for whom breastfeeding is not medically possible or who choose not to do so. The first and most...
Due to the Supreme Court ruling legalizing same-sex marriage nationwide in 2015, same-sex married couples qualify for the same benefits under the Affordable Care Act (ACA) as heterosexual couples in all 50 states. But despite that fact, many same-sex partners remain...
Nearly 4 million women in the United States will give birth annually and in 2020 alone, approximately one in nine U.S. women of childbearing age was uninsured. If you are insured, the cost of having a baby will require you to first meet your insurance’s deductible,...
Due to the recent leak of a draft supreme court ruling with the potential to overturn Roe V. Wade, many Americans have questions regarding current and future abortion protections in the United States. One such common question is whether insurance even covers the cost...
According to NAMI, the National Alliance on Mental Illness, an estimated one out of five U.S. adults experience a mental health issue every year. However, many of those afflicted do not seek help for their problems due to a litany of reasons, such as the stigma...
Most people in America consume alcohol periodically, more than 85 percent in fact. Occasional use of alcohol is not necessarily harmful. Some doctors claim that small quantities of alcohol add to the beneficial effect of a good diet in reducing the incidence of heart...
The Biden administration recently announced a proposal from the U.S. Treasury Department to fix an issue that has existed in the Affordable Care Act (ACA) since its inception, the so-called “family glitch.” Under the original ACA, a person or family is...
For many, the pop-culture debate regarding the slap heard round the world at this weekend’s Academy Awards ceremony has resulted in more questions than answers. Today we will get down to the root of one of those questions; just what is alopecia anyway? Alopecia is the...
Anyone considering starting a family, expecting a child currently, or just watching their current children grow will at some point worry about any possible developmental disabilities present in their child. But just what are developmental disabilities? This is...
March is National Kidney Month, but one should be aware of kidney disease year-round. But just what is chronic kidney disease? Thirty-seven million Americans suffer from chronic kidney disease, and millions more are at risk to join them, so the problem is more common...
Due to the COVID-19 public health emergency, the Families First Coronavirus Response Act was passed in March 2020. This bill required states to halt their standard eligibility checks on current and new Medicaid and CHIP users, which could often result in denials of...
Did you know that approximately 20 million Americans are affected by some type of thyroid disease? But just what is the thyroid, and why does it matter? The thyroid is a butterfly-shaped endocrine gland in your neck just above your collarbone, wrapped around your...
We are going to look at the impact COVID-19 is having on employer-sponsored (group) health insurance, and more widely on small business insurance in general. But first, we need to understand how it concerns us, the ‘average American’. For most of us our...
The ACA encourages employers to give their employees the opportunity to benefit from the lower costs that group health insurance plans offer. In addition to the many ACA exemptions, certain small group employers may also be eligible for Tax Credits to offset health...
On-Exchange On-Exchange refers the Health Insurance plans that are available to EMPLOYERS on health insurance marketplaces – be it the, Federal Exchange State Exchange or Private Exchange (such asTrueCoverage). You can compare various plans and benefits...
The SHOP (Small Business Health Options Program) Marketplace was designed by the Affordable Care Act to encourage and help employers with 1-50 employees to offer health insurance coverage to its staff. Just as with the Individual Marketplaces, SHOP enables employers...