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Introduction to Health Insurance
Health insurance can be confusing, so it may be helpful to decode the process and some common health insurance terms. This video explains the basics of health insurance. Your browser does not support HTML5 video. Premium The premium is an a...
Understanding Health Insurance Terms
Advance Premium Tax Credit  – A new tax credit provided by the Affordable Care Act to help you afford health coverage purchased through the Marketplace. Advance payments of the tax credit can be used right away to lower your monthly premium cost...
Types of Medical Plans
Health Maintenance Organization (HMO) Features : Requires members to use healthcare providers within a specified network. Referrals from a primary care physician (PCP) are needed to see specialists. Advantages : Lower premiums and out-of-pock...
Embedded and Nonembedded Deductibles
Embedded and Nonembedded Deductibles In the complex health insurance landscape, employers are continually seeking ways to optimize coverage while managing costs. Two crucial concepts that play a pivotal role in this pursuit are embedded and nonem...
Qualifying Life Events
While you are generally only allowed to change your benefits elections during the open enrollment period each year, certain life events provide an exception. Those life events allow you to change your benefits elections in the middle of the plan y...

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