Turning 26? Health Insurance Options

Typically, before the Affordable Care Act (ACA), carriers could remove adult children from the policyowner’s coverage based on their age, regardless of their student status. Upon the implementation of the ACA, singed into law March 23, 2010, which requires plans and...

The Status of Children Health Insurance in Texas

Coverage for children in Texas has been dramatically altered since passage of the Affordable Care Act (ACA) on March 23, 2010.  Availability of coverage, benefits, and premiums have been dramatically altered by the ACA.  Until the passage of the ACA, long-term...

Community Rating

What does the term community rating mean as it applies to health insurance?Health insurance carriers have different methods for determining the cost of a health insurance policy.  The amount paid for health insurance coverage is referred to as a “premium.”  If a...

Why do health insurance policies rely on drug formularies?

Drug formularies are probably the least understood component of a health insurance policy.  Texas consumers rarely discuss the prescription formulary and how a formulary functions before securing coverage.  All Texas health insurance carriers rely on drug formularies...