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...

Essential Health Benefits

The U.S. Department of Health and Human Services (HHS) issued a list of frequently asked questions (FAQ) in order to clarify the rules pertaining to the essential health benefits.  The requirements for essential health benefits were included in the Patient Protection...

Health Protector Guard

The Affordable Care Act (ACA) has created instability in the individual market, which has resulted in a dramatic escalation of premiums and an exodus of carriers providing coverage.  The lack of carrier competition has reduced plan options and limited provider network...

The Benefit of Negotiated Rates

Texas health insurance policy holders receive a benefit every time they file a claim but are probably not aware that they are receiving the benefit.  The most common type of health insurance for individuals and families is classified as a HMO  or Health Maintenance...

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...