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How Does the Government Subsidy for Heal...

The Affordable Care Act (ACA), also known as Obamacare, came into force in 2010 to provide affordable health insurance for Americans. As part of this Act, Medicaid and some government subsidies were created to help people pay their health insurance premiums. How do these subsidies work? If you qualify, these subsidies will work to limit the amount of premiums you pay to a percentage of your annual income.  The actual amount you get varies based on the cost of the benchmark healthcare plans in your area. If your benchmark plan costs more than a certain percentage of your...

What are Preexisting Conditions in Trump...

What is Trumpcare? Trumpcare is formally known as the American Health Care Act (AHCA.) It was purposed to replace Obamacare. It was first launched on March 6, 2017, by Paul Ryan, who was the Speaker of the House of the Republican Party. Immediately after its launch, President Trump backed it and urged the Republican parliamentarians to vote for it. Trumpcare Bill Explained Trumpcare abolished the individual mandate. It is also in favor of the same “preexisting condition” clause under the ACA, but possibly at a price increase. However, this plan is also calling for...

What Type of Health Plan is Kaiser?

There are two kinds of health insurance plans, health maintenance organizations (HMO) and preferred provider organization (PPO). With an HMO plan, your primary care provider (PCP) coordinates your medical services. Often, your PCP will need to make a referral for you to see a specialist or for you to have any kinds of medical testing. If you choose to see a provider outside the HMO network, you will be responsible for the entire cost of the medical care. Usually, an HMO doesn’t have a deductible and premiums are lower. Kaiser offers a variety of HMO plans that are...

Do Small Businesses Have to Offer Health...

As the costs of health insurance continue to rise, it not only affects individuals, but the businesses that make their employee health care a priority. Small companies don’t have the cash flow that larger corporations do, often find themselves in a difficult situation when it comes to health insurance. With the cost of covering one employee under group health rising nearly 200 percent over the last fifteen years, many small businesses are left wondering if they have to provide health insurance to their employees. Providing Benefits to Employees While small...
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