Selecting a health insurance plan in the US is a little like going through a maze, or solving an impossibly difficult crossword puzzle. It can be a morass of hard-to-figure-out terms — HMO, PPO, deductible, premium, coinsurance — and plans. Under another Donald Trump presidency, understanding Affordable Care Act insurance plans may get even more […]

If you’re signing up for Medicare benefits this open enrollment, odds are you aren’t actually enrolling in the traditional government program that people may envision. More than half of Medicare beneficiaries are now choosing an alternative version of the program administered by private companies. Medicare, the paragon of America’s welfare state, is undergoing a subtle […]

Fed up by unaffordable costs and insurance denials, more Americans are fleeing the conventional health care system. Many are seeking to cut out the government and insurers entirely by pooling their money together to cover their own bills, turning to what are called health cost-sharing ministries. Originally a faith-based alternative for those with religious objections […]

One in three Americans resolved to make 2025 the year they get therapy. If you were one of them, you may have discovered: Figuring out how to get your insurance benefits to cover therapy can take some legwork.  The drudgery of figuring out whether and how your insurance plan covers therapy — or choosing between […]

Many Americans are going to have sticker shock when they sign up for health insurance this year.  For the roughly half of Americans who get insurance through their work, premiums are set to grow by another 6 percent on average, up to roughly $27,000 per year for family coverage. That is a 26 percent increase […]