Do you worry about paying for your family’s health care? Are you unsatisfied with the cost and coverage of your current health insurance plan? A Christian health plan, available through a Christian healthcare ministry, could be an affordable faith-based solution for your family. The monthly cost of membership in a Christian health plan is generally lower than the cost of monthly premiums for traditional health insurance.
The rising cost of healthcare is leading a growing number of consumers today to consider this alternative to traditional health insurance. A Christian healthcare ministry is not an insurance company. Ministries do not “insure” individuals […]
At Health Choice One, we want you to know that you have more options than you probably realize when it comes to protecting your family’s heath. One alternative to traditional health insurance that you may not know about: Christian health plans. These plans are not traditional health insurance coverage. They are health plans offered by organizations called Christian healthcare ministries. These nonprofit organizations facilitate the sharing of medical expenses among groups of individuals and families who have united to share each other’s medical bills. There are several varieties of these health plans available, depending on your budget and how much […]
Have you received a notice that you are no longer eligible for health insurance coverage through your parent’s plan? Young adults generally can remain covered by a parent’s health insurance policy, but only until they turn 26. Each year, many young adults find themselves in the situation of reaching that age but not having access to employer-sponsored health coverage. Getting a health insurance plan on your own can seem overwhelming and costly. Plus, you’re young, healthy and don’t go to the doctor all that often. Do you really need health insurance? The answer is a resounding YES. Here’s why:
Illness or […]
Did you know that there’s a more affordable alternative to health insurance for keeping your family healthy? Faith-based health plans, open to people of any faith and/or who believe in a higher power, are becoming increasingly popular due to their convenience and affordability. If you’re looking for a solution to the rising cost and complexity of health insurance, you owe it to yourself to learn more about this innovative alternative.
Faith-based health plans are offered by organizations called health care sharing ministries. Members of these nonprofit organizations, who share common religious or ethical beliefs, pool their money to pay each other’s […]
Since the morning after Election Day, we’ve received calls from clients wondering what they should do about their health insurance and how health insurance may change with a new president on the horizon.
The soundest advice we can offer at this time is to keep your health insurance if you have it, and continue to enroll as usual if you haven’t yet done so for the coming year. At this point in time, the Affordable Care Act is still in effect, which means that having health insurance is still a requirement. Because we do not know what changes will be […]
Open Enrollment Period is the three months at the end of the year when individuals have the opportunity to shop for new health insurance plans. Below are some of the most important dates to mark on your calendar, including when Open Enrollment starts and ends, and dates when coverage will be effective. We suggest writing them down now, so you don’t miss your chance to get the health coverage you need!
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Years ago, when the Affordable Care Act was first implemented, our country saw high numbers of uninsured individuals, reaching around 42 million in 2013.6 The new health care reform law aimed to make health insurance more affordable and more accessible, and to hopefully lower that number. Several years into the Affordable Care Act, we have seen that astonishingly high number drop. However, there are still multiple reasons people don’t get health insurance. For some of those people, the reason is that they simply can’t.
One initial provision of the ACA was that every state would expand Medicaid to nearly all […]
If I asked, “what is COBRA?” how would you answer? Hint: the answer is not snake or car… not in this context, anyway. In the world of health insurance, COBRA stands for Consolidated Omnibus Budget Reconciliation Act. If that means absolutely nothing to you, I promise to explain it in a way that makes much more sense.
You’ve probably actually heard of it before, but maybe it never applied to you, or you just didn’t have a desire to learn what it was. The idea is pretty simple, though- COBRA is a federal law that may temporarily let you keep your […]
As time goes on, some flaws in the Affordable Care Act have become more and more apparent. The Department of Health and Human Services has finalized three changes that will occur next year in the 38 states who use the federal exchange to purchase health insurance. These Obamacare changes coming next year are intended to alleviate some common problems people seem to have when selecting and even using their health insurance plans.
Size of Insurance Networks
The first change relates to the sizes of insurance networks. When a health care provider is removed from an insurance network, the insurance company will […]
I spend my days sifting through articles and research surrounding the health insurance world. Recently I’ve noticed that a lot of writers write as if they’re only trying to speak to those who understand health insurance in its entirety. Clearly, those who completely understand health insurance are not the majority. Quite the opposite actually.
That said, I think it’s important to clarify some common terms that are frequently used to explain health insurance. Specifically, I’d like to explain what “ACA-compliant” means. I know that I’ve read countless articles with this term thrown around, with little to no explanation on what […]
As a health insurance brokerage, the majority of information we provide is geared toward, you guessed it- health insurance! However, the Affordable Care Act actually spans beyond just health insurance and attempts to improve all things health care. You’ll be surprised to learn that the ACA does more than you know.
I stumbled upon an article that was posted on Twitter yesterday that provides a comprehensive overview of all the ACA has actually done. The article from the White House details a few things most people already know- insurers cannot deny coverage based on pre-existing conditions, children can stay on their […]
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When you enroll in a Marketplace plan, you’re asked to provide your expected income for the coming year to determine your subsidy eligibility. After you enroll, you’re then strongly encouraged to report any changes in your income in the coming year. As it turns out, there’s a reason you’re told to do this- so that you don’t let Obamacare ruin your tax return.
Do I speak from experience? Yes. Am I bitter? You bet I am. Do I want to help you avoid the same situation? Of course I do. So how did Obamacare affect my […]
We talk quite a bit about the benefits of Obamacare- from the subsidies available to make it more affordable to no longer allowing insurance companies to deny someone coverage because of pre-existing conditions. However, as a female myself, I feel that one HUGE benefit of Obamacare is not mentioned enough, and that’s preventive care for women.
There is a long, long list (really, about 25 services) of free preventive care services that are available to women under the Affordable Care Act. I’m not going to discuss every single one, but I would like to highlight a few that I have […]
The Open Enrollment Period for Obamacare has officially ended. If you missed the deadline to sign up for a health plan, you may have questions, like “what are my options?” and even “do I have any options at all?” Our answer? There’s always an option!
If you missed Open Enrollment and don’t qualify for a special enrollment period, short-term health insurance is a great coverage option that may be available to you, even outside of the national Open Enrollment Period for Obamacare health plans. When searching for a short-term plan, you’ll see plans that feature different deductibles, coinsurance, and other […]
I don’t believe in keeping good information all to myself- I believe useful, quality articles should be shared so that everyone can benefit. This one particular piece of info comes from what has been one of my favorite magazines since I was in high school- Cosmopolitan. Written in 2015, this article is a little outdated. Besides the tax penalty amount and poverty level (which have since increased), all of the details are pure gold as far as health insurance explanations are concerned.
I enjoyed reading this article for a few reasons:
The article focuses on people in their 20s, who maybe don’t […]
We know that health insurance is a pretty heavy subject, so we are among the many who can appreciate a good health insurance joke. We stumbled upon a Buzzfeed article that asked people to define some of the most basic terms. We also took the liberty of adding a few of our own. Give them a read and then check out Buzzfeed’s. Seriously hilarious.
Marketplace (n.)- Where you buy your groceries
Drug List (n.)- what you give your dealer
COBRA (n.)- A terrifying, venomous snake
Metal Tiers (n.)- Seating arrangements at a Metallica concert
Premium (adj.)- Sold a million […]
Okay, health insurance carriers aren’t dropping as rapidly as the title may imply, but many of our favorite providers have either considered leaving the health exchanges or have already done so. If you’re someone like me who gets unhealthily (no pun intended) attached to your insurance company, you may be curious to know why your favorite insurance carrier may no longer be an option for your health coverage.
Goodbye to Co-ops
Many of us are familiar with big name private health insurance companies- United Healthcare, Anthem, Humana. In addition to those well-known carriers are health insurance cooperatives- alternative health insurers that […]
Several articles on our site point to the many benefits of health insurance, but sometimes a simple, visual representation makes ideas a bit more clear. This infographic just touches on what we consider to be three of the biggest benefits of major medical health plans for people of any age- less debt, free preventive care, and overall better health now and in the future. Let us know what you think of the infographic and of the information. What other benefits does health insurance offer you?
Do I have to have health insurance?
-Under Obamacare, almost everyone is required to have health insurance, unless they qualify for an exemption. You can learn more about this and several other changes about health insurance here.
Does it cost me anything to use a licensed agent at Health Choice One to enroll in a health plan?
-It does not cost you a dime to work with us. Our services are completely free to you.
What is the benefit to using Health Choice One to enroll in a health plan?
-The biggest benefit is that you have someone who can help you understand health […]
Buying health insurance is kind of a catch 22. On one hand, you shell out money every month for something you may never use. On the other hand, though, who actually wants to have a reason to use their health insurance? Never have I heard someone say “gee, I wish I would get sick so I could use this health insurance I pay for.” Regardless of your sentiments towards it, everyone is required to have health insurance now.
If you’ve already spent some time on our site, you may have crossed paths with some ways that you can save money on […]