Healthinsurance.org

What is health insurance

Health insurance – also referred to as medical insurance or healthcare insurance – refers to insurance that covers a portion of the cost of a policyholder’s medical costs. How much the insurance covers – and how much the policyholder pays via copays, deductibles, and coinsurance – depends on the details of the policy itself, with

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URL: https://www.healthinsurance.org/glossary/health-insurance/

healthinsurance.org in the news

healthinsurance.org in the news. People who care about health reform are buzzing about our coverage in media reports and on social media. Here some recent examples. Our coverage and analysis of health reform and is routinely cited by the media tracking provisions of the Affordable Care Act. facebook2.

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What is the health insurance marketplace

What is a health insurance marketplace? A health insurance marketplace, also known as a health insurance exchange, is a place (both online and in-person) where consumers in the United States can purchase private individual/family health insurance plans and receive income-based subsidies to make coverage and care more affordable. As of early 2021, there were about …

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What is private health insurance

Private health insurance is referred to as “private” because it’s offered by privately-run health insurance companies – as opposed to government-run programs like Medicare and Medicaid. But as noted above, most types of private health insurance have to comply with a variety of state and federal regulations, despite the fact that the

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Small-group health insurance healthinsurance.org

The healthinsurance.org website is operated on behalf of IHC Specialty Benefits, Inc., a licensed insurance agency. IHC Specialty Benefits is an independent insurance agency and is a licensed and certified representative of a variety of organizations offering insurance plans.

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Health insurance in Florida: find affordable coverage

During the open enrollment period for 2021 coverage, 2,120,350 people enrolled in individual market plans through the Florida health insurance marketplace. This was a record high, and the first time that Florida’s marketplace enrollment had surpassed 2 million people.. During the first 2.5 months of the COVID/American Rescue Plan enrollment window in 2021, another 264,088 …

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What is an electronic health record

An electronic health record is a long-term aggregate of a patient's health information and may be a record of a variety of providers and types of medical care. This record is sometimes confused with an electronic medical record, which is a record of a patient's health maintained by a physician as a record primarily of the physician's care of the patient.

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Health insurance in New Jersey: find affordable coverage

Open enrollment for 2022 health coverage in New Jersey runs from November 1, 2021 through January 31, 2022.This is a couple weeks longer than the open enrollment period in most states; New Jersey has the ability to extend open enrollment because the state runs its own exchange.

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Medicare in Idaho

Louise Norris is an individual health insurance broker who has been writing about health insurance and health reform since 2006. She has written dozens of opinions and educational pieces about the Affordable Care Act for healthinsurance.org.

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What is healthcare rationing

In addition, health insurers and government health care programs (Medicare and Medicaid) already ration care to some extent, via pre-authorization requirements, limited networks, limited formularies, and rules like step therapy for prescription …

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What is healthcare

A health care provider is a person or facility that provides medical or wellness care to a person or population. This does not include health insurance carriers, which are payers rather than providers. Health insurers facilitate payments for health care providers, but they are not health care providers themselves unless the insurance plan also

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What is a pre-existing condition

Before 2014, health insurers in the individual market (ie, coverage that people buy themselves, as opposed to obtaining from an employer) used medical underwriting in nearly every state. That meant they could reject applications altogether, charge higher rates, or apply a waiting period if an applicant had a pre-existing condition.

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Obamacare and the Affordable Care Act (ACA)

ACA’s health insurance marketplaces. Health insurance marketplaces – also referred to as health insurance exchanges – were established to help American consumers easily compare coverage details and costs across a wide range of qualified health plans.These policies, which are all ACA-compliant, must meet standards established and enforced by the federal …

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Medicare in Pennsylvania

You can contact APPRISE, Pennsylvania’s State Health Insurance Assistance Program (SHIP), with questions related to Medicare coverage in Pennsylvania. Visit the APPRISE website or call 1-800-783-7067. For Medicare beneficiaries with limited income and assets, Pennsylvania Medicaid might be available to help make coverage and care more affordable.

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What health insurance benefits are available to refugees

Q: What health insurance benefits are available to refugees and asylees arriving in the United States? A: For refugees and people who have been granted asylum in the United States, there are fairly robust health coverage benefits available. Depending on the person’s circumstances, the benefits may be provided via Medicaid or the Children’s Health Insurance …

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Media Alpha Landing

Health insurance in , If you click on the following listings, you are leaving healthinsurance.org*. *DISCLAIMER: These are paid advertisements. If you click on one, you will leave healthinsurance.org. Be a smart consumer and check the advertiser’s privacy policy before providing your personal information. An outside agency, MediaAlpha

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Amid record health insurance enrollment, experts urge

Healthinsurance.org is a free online source of consumer health resources, including information about individual health insurance, major medical insurance and affordable medical insurance. Contact: Amy Fletcher Faircloth, (720) 460-0276 [email protected] Find affordable health plans.

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Will ACA-compliant health plans cover the cost of at-home

As of January 15, 2022, your ACA-compliant health insurance plan will cover the cost of up to eight at-home COVID tests for each person on your plan. The Biden administration announced in December 2021 that this rule would soon be in place, and the official guidance was issued on January 10.

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New Mexico health insurance marketplace: history and news

New Mexico will have six insurers in the exchange for 2022, with Presbyterian Health Plan rejoining after five years of only offering off-exchange plans. Overall average rates are increasing for 2022, but the state's new rating guidance will result in higher prices for Silver plans, and thus larger subsidies. New Mexico residents will use bewellNM, instead of …

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What is the Affordable Care Act (ACA)

The Patient Protection and Affordable Care Act (PPACA) – also known as the Affordable Care Act or ACA, and generally referred to as Obamacare – is the landmark health reform legislation passed by the 111th Congress and signed into law by President Barack Obama in March 2010.

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Short Term Health Insurance Quote

Be sure to check your policy carefully to make sure you are aware of any exclusions or limitations regarding coverage of preexisting conditions or health benefits (such as hospitalization, emergency services, maternity care, preventive care, prescription drugs, and mental health and substance use disorder services).

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Why you should care about the August 15 special enrollment

This spring and summer, more than 2 million Americans have already flocked to the health insurance marketplaces in their states, enticed by larger health insurance subsidies during a one-time special enrollment period (SEP). This SEP was created to address the COVID-19 pandemic and allow people to take advantage of the extra subsidies created by the …

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How to avoid the surprise of health plan 'mapping

Louise Norris is an individual health insurance broker who has been writing about health insurance and health reform since 2006. She has written dozens of opinions and educational pieces about the Affordable Care Act for healthinsurance.org. Her state health exchange updates are regularly cited by media who cover health reform and by other health

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What is Medicare

Medicare is the federal health insurance program created to provide health coverage for Americans aged 65 and older and later expanded to cover younger people who have permanent disabilities or who have been diagnosed with end-stage renal disease or amyotrophic lateral sclerosis (ALS).

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What is a Navigator

The Navigator position was created by the Affordable Care Act to provide helpers for people to enroll in coverage through the health insurance exchange, and refer or assist with Medicaid enrollment.. Navigators are not licensed health insurance brokers, so they cannot recommend one plan over another or direct consumers towards a particular policy.

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What are health insurance cooperatives

What are health insurance cooperatives? Cooperatives or insurance cooperatives were proposed in the Senate as an alternative to a proposed government plan or public option. The cooperatives, which would have been structured as non-profits and owned by their members, would offer a network of health care providers or contract out for medical

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How the Build Back Better legislation might affect your

Build Back Better Act would improve insulin coverage. The BBBA would require individual and group health plans to cover certain insulins before the deductible is met, starting in 2023. Enrollees would pay no more than $35 for a 30-day supply of insulin (or 25% of the cost of the insulin, if that’s a smaller amount).

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Definitions Archive

The healthinsurance.org website is operated on behalf of IHC Specialty Benefits, Inc., a licensed insurance agency. IHC Specialty Benefits is an independent insurance agency and is a licensed and certified representative of a variety of organizations offering insurance plans.

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Short-term health insurance in Mississippi

Short-term health plans in Mississippi. Mississippi defaults to the federal rules for short-term plans.; Short-term health insurance in Mississippi can have initial terms of up to 364 days, and total duration, including renewals, of up to 36 months.; Short-term plans must be approved by the Mississippi Insurance Department.

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What is a medical discount plan

Medical discount plans are much less expensive than health insurance, but they do not provide any of the protections of a health insurance policy. Instead, they simply give members a discount on medical services. The discounts are not guaranteed and can vary significantly depending on the provider and the treatment involved.

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Medicare in New Mexico

About our health insurance quote forms and phone lines We do not sell insurance products, but this form will connect you with partners of healthinsurance.org who do sell insurance products. You may submit your information through this form, or call (844) 309-3504 to speak directly with licensed enrollers who will provide advice specific to your

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Why your ACA premium might be going up for 2022

Louise Norris is an individual health insurance broker who has been writing about health insurance and health reform since 2006. She has written dozens of opinions and educational pieces about the Affordable Care Act for healthinsurance.org.

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Health insurance in Maryland: find affordable coverage

The Consumer Operated and Oriented Plan (CO-OP) Program was created through the ACA to spur the creation of nonprofit, consumer-run health insurance companies. Evergreen Health Cooperative in Maryland was one of 24 CO-OPs to receive a federal loan. But as was the case with most of the CO-OPs, Evergreen is no longer offering coverage.

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What is a copayment

Copayment is a predetermined (flat) fee that an individual pays for health care services, in addition to what the insurance covers. For example, some HMOs require a $10 copayment for each office visit, regardless of the type or level of services provided during the visit. Copayments are not usually specified by percentages.

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What is coinsurance

What is coinsurance? Coinsurance is the percentage of costs a patient pays for medical expenses – such as a hospital stay, office visit, medical device, or prescription drug. With many health insurance plans, a patient pays 100 percent of costs out-of-pocket until they have met their deductible. After meeting the deductible, a patient pays a

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Medicare in Indiana

The Indiana Department of Insurance (IDOI) website is good resource for eligibility, enrollment, and other general Medicare information. The Indiana State Health Insurance Assistance Program offers free assistance for Medicare beneficiaries. Call their central office at 1-800-452-4800 or find a local office.

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What is a health insurance premium

A health insurance premium is the amount – typically billed monthly – that policyholders pay for health coverage. Policyholders must pay their premiums each month regardless of whether they visit a doctor or use any other healthcare service. Health insurance through Medicare, the health insurance marketplace, or an employer will almost

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Health insurance in Maine: find affordable coverage

Average premiums in Maine’s individual health insurance marketplace increased by about 1% in 2019, decreased by about 1.6% in 2020, and decreased fairly significantly in 2021, with an overall average rate decrease of 13%.. For 2022, insurers have mostly proposed another round of rate decreases, ranging from an overall average decrease of 5.4% for Maine Community Health

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What is an exclusion

An exclusion is a provision within an insurance policy that eliminates coverage for certain acts, property, types of damage or locations. Things that are excluded are not covered by the plan, and excluded costs don’t count towards the plan’s total out-of-pocket maximum.. In the past, individual health insurance policies frequently contained exclusions for pre-existing medical conditions.

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Jennifer Chumbley Hogue healthinsurance.org

Jenny Chumbley Hogue brings over 30 years of health industry experience to her role as a contributor for healthinsurance.org. Her specialties include the individual health insurance market, Medicare, and small-group insurance. She takes great pride in not only understanding the details and laws regarding individual-market health Insurance and Medicare, but more …

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What is the employer mandate

What is the employer mandate? The Affordable Care Act requires employers with 50 or more full-time equivalent employees to provide health coverage to at least 95% of full-time employees and sets a minimum baseline of coverage and affordability. Employers who do not comply face annual penalties if any of their employees end up qualifying for premium tax credits in the marketplace.

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Millennial coverage challenges are

The survey found Millennials were the generation most aware of healthcare policy in Washington (30%), and the most concerned (57%) about any potential changes. “Usually younger folks of any generation tend to be less engaged,” observed De La Torre. “The fact they were the group that was the most attuned and had the highest percentage of

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North Carolina health insurance marketplace: history and

What type of health insurance exchange does North Carolina have? North Carolina uses the federally run exchange (HealthCare.gov), and has not yet expanded Medicaid under the ACA. 535,803 people enrolled in qualified health plans (QHPs) through North Carolina’s exchange during the open enrollment period for 2021. Only California, Florida, and …

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What is a dependent

A dependent is a person who is eligible for coverage under a policyholder’s health insurance coverage. The policyholder is the individual who has primary eligibility for coverage – for example, an employee whose employer offers health insurance benefits. A dependent may be a spouse, domestic partner, or child. You can cover your biological

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Medicare in Wyoming

About our health insurance quote forms and phone lines We do not sell insurance products, but this form will connect you with partners of healthinsurance.org who do sell insurance products. You may submit your information through this form, or call (844) 309-3504 to speak directly with licensed enrollers who will provide advice specific to your

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Find short-term health insurance in Wyoming

In Wyoming, federal regulations regarding short-term health insurance apply, which means consumers can buy short-term health insurance plans – and can get policies with initial terms up to 364 days with the option to renew for a total duration up to 36 months. As of 2022, there were at least five insurers selling short-term health insurance plans in Wyoming.

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