Dental Insurance

There are pros and cons to purchasing a dental policy, either from your employer or as an individual from a private insurance carrier. In some cases, dental coverage will not save you money at all, even if you are needing dental care.Dental plans emphasize preventive...

Cost-Sharing Reduction

The Health Insurance Marketplace (www.healthcare.gov), also called exchanges, is the source for people to buy health coverage with a subsidy that can be used to reduce monthly premium.  In addition to the subsidy, known as the Advance Premium Tax Credit (APTC), In...

Silver vs Bronze: Who takes the medal?

Key Topics: Metallic tiers were simplifiedCost-sharing was discontinued which resulted in “Silver Loading”Four major plan differences: deductible, out-of-pocket maximum, office copay and prescription benefitsPurchase decision justification When the Affordable Care Act...