Your Trusted Advisor When It Comes To Health / Life Insurance

Individual/Family Health Insurance

The majority of insured Americans have health insurance coverage from one of the three different categories of health coverage. They are: Employer Based Coverage Individual Health Insurance Medicare Employer Based Health Insurance is how the majority of American and American families receive their health insurance. Companies purchase, administer, and subsidize health benefits for employees in many different ways. The employer and the insurance carrier have to provide the benefits while navigating tax, privacy and equal opportunity laws. Individual Health Insurance: About 10% of insured Americans carry individual coverage. It’s often purchased by independent contractors or the self-employed. However, some people like to carry individual health insurance when it offers a less expensive rate than their employers plan. Also, Individual Health Insurance is portable so you can change jobs without losing coverage or having to go on COBRA. With new federal laws being phased in, Individual Health Coverage may be an increasingly popular choice. Medicare: is a health care program that is partially covered by Americans income tax. Medicare health benefits are for Americans in or close to retirement as well as for...

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Employer Sponsored Health Insurance

Employer Based Health Insurance is how the majority of American and American families receive their health insurance. Companies purchase, administer, and subsidize health benefits for employees in many different ways. The employer and the insurance carrier have to provide the benefits while navigating tax, privacy and equal opportunity laws.   Get Started on a Group Health Insurance...

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H.S.A.

Health Savings Accounts are great ways for individuals and employers to use tax free money to pay for medical expenses including doctor visits, hospitalizations and medications. If Fact, HSA dollars can be used for almost any medical expense including dental and vision or even acupuncture. How it works is you have to have a H.S.A compatible health Insurance plan than you can open up a H.S.A account and contribute money to it. The great thing about your contribution is that whether you use that money or not its tax deductible the moment you deposit it in the account. H.S.A dollars have more features that just paying medical bills tax free. You can invest that tax free money in stocks, bonds or mutual funds. Also, you can pay Long Term Care Insurance Premiums with H.S.A dollars. In May 2012 the IRS released the new HSA Contribution Limits for 2013. These rules go into affect January 1, 2013 and contributions can be made until April 15, 2013. There will a slightly larger increase in 2013 for both individuals and families than...

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