Health Insurance

The Australian  Oct 2  Comment 
HBF has called on the government to meet its commitment to remove the means test on the health insurance rebate.
New York Times  Oct 2  Comment 
The levy on expensive, employer-provided health care plans is a way to reduce overuse of services. Without it, other taxes will have to go up.
The Economic Times  Oct 1  Comment 
The leading healthcare group has dominant presence in Middle East in the form of its hospitals, pharmacies and clinics.
Benzinga  Sep 30  Comment 
Below are the top mid-cap health care plans stocks on the NYSE and the NASDAQ in terms of return on investment. The trailing-twelve-month return on investment at Centene Corp (NYSE: CNC) is 10.20 percent. Centene's PEG ratio is 1.24. The...
Insurance Journal  Sep 30  Comment 
In an opinion filed on Sept. 24, the Illinois Supreme Court upheld the decisions of two lower courts that an Illinois municipality must pay health insurance premiums for a policeman and his family after the police officer was “catastrophically...
Forbes  Sep 29  Comment 
In trading on Tuesday, life & health insurance shares were relative leaders, up on the day by about 5.1%. Leading the group were shares of The Phoenix Companies (PNX), up about 151%.
Forbes  Sep 29  Comment 
Paychex is scheduled to announce its fiscal first quarter earnings on Wednesday, September 30, before the market opens. The company had a strong end to its fiscal 2015 which ended in May, with its Human Resource Services segment driving much of...
The Australian  Sep 28  Comment 
Bupa’s Australian health insurance head, Dwayne Crombie, wants the government to show strategic leadership.
MedPage Today  Sep 28  Comment 
(MedPage Today) -- Also, check out this year's rankings of U.S. healthcare plans
The Hindu Business Line  Sep 27  Comment 
Traditionally, factors like your age, overall health history, lifestyle and the sum insured that you opted for decided your health insurance premiums. Health insurance companies are now taking int...


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Types of Coverage

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Private Coverage

Job-Based Coverage

Individual Policies

Association Health Plans

Consumer Driven Health Plans

Government-Funded Coverage


Medicare is a federal health insurance program for: a) individuals aged 65 years and above; b) individuals under the age of 65 with certain disabilities; or c) or individuals with end-stage renal disease. There are three types of Medicare plans:

  • Original Medicare Plan, which consists of two parts:
    • Hospital Insurance (Part A): This part pays for inpatient care at public hospitals, critical access hospitals (small facilities that give limited inpatient and outpatient services to people in rural areas), skilled nursing facilities (not custodial or long-term care) as well as hospice care and some home health care. All individuals eligible for Medicare are enrolled automatically and free of charge in Part A.
    • Medical Insurance (Part B): This part pays for doctor visits, outpatient hospital care and other necessary medical services not covered by Part A, such as physical and occupational therapy, and some home health care. Part B is optional and, in 2008, most beneficiaries paid monthly insurance premiums of $96.40. Beneficiaries must also pay an annual deductible before Part B coverage kicks in.
2008 Part B Monthly Insurance Premiums Yearly Income (Single Individual) Yearly Income (Married Couple) Yearly Income (Married Individual)
$96.40$82,000 or less$164,000 or less$82,000 or less
$122.20$82,001 - $102,000$164,001 - $204,000NA
$160.90 $102,001 - $153,000$204,001 - $306,000NA
$199.70$153,001 - $205,000$306,001 - $410,000$82,001 - $123,000
$238.40above $205,000above $410,000above $123,000
  • Medicare Advantage Plans (Part C), formerly known as Medicare+Choice, are private health insurance plans under the Medicare program. These plans pay for more medical services than the Original Medicare Plan by packaging Part A, Part B and additional coverage into one convenient bundle. Part C is optional and beneficiaries often pay higher monthly insurances premiums, but lower deductibles, than those required for Part B. Medicare Advantage is only offered in certain parts of the country and includes HMO Plans, PPO Plans, Medicare Private FFS Plans, Medicare MSA Plans or Medicare Special Needs Plans.
  • Medicare Prescription Drug Plans (Part D) add prescription drug coverage to the Original Medicare Plan, Medicare MSA Plans, some Medicare Cost Plans and some Medicare Private FFS Plans. Each plan is run by a private company and, hence, varies slightly from other plans that fall under Part D. However, all such plans conform to standards set by the federal goverment. Part D is optional and beneficiaries pay monthly insurance premiums and an annual deductible in exchange for a large degree of flexibility in choosing what drugs need to be covered by these plans.


State High Risk Pools


Number Uninsured and Uninsured Rate (1987-2007)

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Difference in 2-Year-Average Uninsured Rates by State (2006-2007)

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