Jeff Janosick - Health Insurance Blog

Since the inception of the Affordable Care Act (ACA), consumers have seen increasing deductibles, higher out of pocket maximums and extremely high premiums. They are calling “uncle” and are looking for alternatives to the ACA. But what alternatives are available that will not cause an individual to pay a penalty for not having minimal essential coverage? The answer is Health Share Ministry Plans.   So what are Health Share Ministries and how do their plans compare to other health insurance plans?  A Health Share Ministry is an organization that facilitates sharing of healthcare costs between individual members who have common ethi...

Will your health insurance company offer health insurance in 2017? Many health insurance companies are choosing not to offer health insurance in many markets in 2017**.  To get a quote for all plans in your area, click this link.     Which company's will still offer coverage in 2017?  Get a quote! Anthem Blue Cross and Blue Shield (Ohio, Kentucky, Indiana, Missouri, select areas of Wisconsin) Molina (Ohio, Wisconsin, Florida) Cigna (Select areas of Missouri) Humana HMOx (on exchange via Marketplace) in very few select markets of Kentucky, Florida, and Ohio Humana PPO (off-exchange/off-Marketplace) in ...

For many of us, health insurance premiums may seem like they are too much to handle.  Purchasing a short-term plan for catastrophic coverage while paying the fee for not having a qualified ACA plan, could be your solution.      A short-term health insurance plan may be significantly cheaper than a qualified ACA plan, even if you have to pay the fine. Click here to get a quote for a short-term health insurance plan.  Please note, short-term plans do not meet all of the requirements of the Affordable Care Act (ACA).  As a result, short-term plans will result in you paying a fine for not having health insura...

The question comes up at least once a day – which is the better plan?  You are going to have to make a decision on which Medicare option is best for your needs, so you need to first understand the basics of Medicare Supplement (Medigap) and the Medicare Advantage plans. These are very different insurance plans with distinct benefits. The answer to the question “Is one better than the other?” depends on your circumstances and needs. Medicare Supplement Insurance, also called Medigap, is an insurance policy designed to pay for out-of-pocket costs and health-care expenses not covered by Original Medicare Part A and Part B.  In Te...