health insurance premiums


The Kaiser Family Foundation (KFF) has recently released a study that shows that the ACA market might be stabilizing. The study compares previous marketplace years to the 2017 1st quarter numbers. In this article, I would like to look at the report from the KFF and break down its findings. Loss Ratio Decline […]

The Kaiser Foundation Claims the ACA Market May Be Stabilizing


There’s no denying that healthcare costs are high and continually growing. The average an American citizen spends around $10,345 on healthcare. According to a government study, about 5% of the population accounts for nearly half the spending in a given year. For the most part, the sick and disabled make up […]

The Three Reasons Why Healthcare Costs Are So High


Do you have life insurance or disability income insurance through your employer? If so, it’s important to make sure that the payment – if deducted from payroll – uses after-tax dollars. Likewise, if you’re self-employed or a small business owner, you should not pay for the policy through the company. Instead, you should […]

Be Sure to Use After-Tax Dollars to Pay for Disability ...



As part of the new stabilization ruling, the Centers for Medicare and Medicaid Services (CMS) have given insurers flexibility in terms of plan design. They’re not restricted to the metal tiers: bronze, silver, gold, platinum. Now, they can create different plans with lower premiums that are still considered qualified health […]

CMS Allows Insurers Plan Flexibility to Lower Premiums