December, 2018
Archive

By In Health Insurance, Individual Health Insurance

Why You Need -Good- Health Coverage

Over the past month, I’ve had a ton of conversations with people who work in and around the health insurance and benefits businesses about what it means to have insurance. A lot of them are surprisingly candid about what’s good about coverage and what’s not, and we look forward to having a lot of them share those thoughts with you to help you plan for a hopefully-early-retirement future.

I’ve also had conversations through social media about whether people who are responsible for finding their own health coverage — self-employed, freelancers, gig workers — should get an expensive ACA plan or get a short-term health plan. I’ll tell you now that, as a 40-something with a wife and kids, short-term coverage is out of the question for me. But the bottom line is that it should, in almost all circumstances, be out of the question for you, too.

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By In Do the Math, Health Insurance, Money-Saving Tips

Get Paid to Get Your Flu Shot! Srsly

We’re well into flu season but it’s never too late (well, if you’ve already gotten the flu, then it’s too late!) to get your flu shot. It occurred to me that some people, possibly even most people, don’t know that flu shots are typically free if you have health insurance. There’s this thing called “essential health benefits” (EHBs) that are provided under the Affordable Care Act, which essentially set a minimum of benefits and services covered by your health insurance. Plus, lots places have started providing extra incentives to get your flu shot, so you could actually come out ahead on taking care of yourself and the public health populi!

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