Health Insurance and Affordability for AmericansIt is a fact that health insurance premiums are increasing. However, one positive aspect is that some insurance companies are trying to counteract this trend, by introducing more easily affordable services to their customers. A critical economic factor is that the average American cannot afford payment of the balances on various medical bills, when added to their regular health insurance premiums....more
When looking into health insurance of any kind the rules, regulations and stipulations often make it so that every word on the policy seems foreign and a bit sketchy. The policy is never laid on it terms that one without industry knowledge would completely understand. Words such as co-payment, deductible, family allowance, preventative vs. routine care often times add confusion in really understanding what is being offered. Health Insurance in...more
Some people in politics want everything to be black and white. "Big government bad, small government good" and similar slogans have become rallying cries during town hall meetings and elections. Sound bites are convenient ways of getting a message across, but unhelpful when it comes to more complicated issues. On the face of it, we seem on the cusp of slipping back into recession. To try avoid this double dip, the Fed has announced plans to buy $400 billion in long-term Treasury Bonds. It's trying to drive down longer term interest rates. While the Fed tries action, this September sees Washington politics try inaction (again). This time, the House rejected funding for government through mid-November. If this measure does not pass by September 30, government will shut down. As if we did not need further proof of political dysfunction. . .Hanging this "business as usual" shingle outside Capitol Hill should not distract us from the day-to-day reality of trying to keep life together in business. Yes, the Fed may be trying to keep longer term interest rates down but, with many banks undercapitalized, there's little or no money to lend, even to those businesses with good collateral. All...more
The total number of uninsured people in the US grew from 43.0 million in 2005 to 49.9 million in 2010 at a 5 year CAGR of 3.0%. The private insurance coverage is mainly employer sponsored. This negative change in the employment status led to decreased earnings and resulted into a decline in the number of people under the employer insurance...more
The choice between different kinds of health insurance plans can be very tough to make. You want to find the best plan for your family, but a lot of people are not very well informed about this subject. Take a moment to review some of the most popular kinds of health plans so you can make a good decision for you and your family.You may have a hard...more
Regardless of the time of year, the dead of winter or the heights of summer, our immune system has to work constantly to fight off all manner of diseases. Whether from the cold and flu viruses of winter to various illnesses and viruses of summer, the immune system is under constant attack and has to have all the help it can get. Preserving family health can seem overwhelming to cope with as you are dealing with your own health and theirs as well. With all of the negative media attention so many drugs are getting, it's hard not to be a little paranoid about you or your loved ones getting sick and what the ultimate effects will be. Instead of letting the fear take over, boosting you and your family's immune systems by taking positive steps makes a lot more sense. One of these steps would be the use of Probiotics.Probiotics: What Are We Considering?Common sense approaches including getting enough sleep, reducing stress and limiting the amount of sugars that our bodies consume have a major effect on how our body deals with infections and other diseases. However, experts recommend adding probiotics to your diet to boost your immune system as probiotics are good bacteria that balance the...more
As the economy continues to fluctuate and many people find that affording even basic things such as health insurance becomes more difficult to do, more people are tightening up their budgets in order to survive. It is important to budget...more
There are almost 35 million people are in the young adult age group. The number of young adults without health insurance is decreasing significantly in this age group. The latest survey, released yesterday, finds that during the second quarter of...more
HMOs, or Health Management Organizations, had their heyday in recent decades, after President Richard Nixon signed into effect the HMO Act in 1973. This act legally permitted health insurance companies and organizations to offer services in the form...more
Whether you are an individual seeking a health plan for yourself and your family, a woman looking for maternity or preventive care cover, or self-employed and looking to manage health risks, being aware and prepared is important. A lot is happening...more
There cannot be a more painful emotion in the world than watching someone you love suffer through an illness. Long term health problems within our family could make us feel ineffective because we can't really help them. Getting power over our...more
If you do not have adequate health insurance, you are playing with your life, and not only your own, but that of your family. Health insurance is brutally important today and certainly makes it easy to sleep at night knowing that your family is...more