Archive for the ‘Individual Health Insurance’ Category

HSA 2012 Limits

The IRS has published the new limits for Health Saving Accounts for 2012. The IRS makes annual adjustments to the minimum deductible, maximum out-of-pocket (OOP) limits, and HSA contribution maximums based on inflation. These changes affect Health Saving Accounts (HSA) and High Deductible Health Plans (HDHP). The minimum deductible for 2012 is the same as [...]

No doctor office visit copayment

Some companies have  plans that do not have a doctor office visit copayment. Is that good? Like most things, it depends. Let us say you are the average person who goes to the doctor twice per year. Since you have insurance, you are entitled to the discounted rates the doctor has agreed to offer to [...]

Can I get insurance just for my children?

Yes, most health insurance companies write child-only policies at very affordable rates. That used to be the correct answer. Now the correct answer is, “No, you cannot!” Wha(t happened? One of the much touted provisions of the new health care law was a regulation that prohibited insurance companies from denying coverage to any child under [...]