Health Insurance

The Hindu Business Line  1 hr ago  Comment 
Cuts exposure to loss-making group health insurance, steps up claims processing
Motley Fool  Jun 30  Comment 
More and more health insurance companies have been pulling out of the state Exchanges. Is Obamacare doomed?
Clusterstock  Jun 30  Comment 
Business Insider global editor-in-chief Henry Blodget questions why health insurance in America is tied to employment. Blodget goes through the interesting history of how these two got tied together. Join the conversation about this story »
New York Times  Jun 29  Comment 
It’s hard to persuade insurers to operate in rural America, and the Republican health bill could make things worse.
MarketWatch  Jun 28  Comment 
Repealing Obamacare could redefine what kinds of services health insurers must cover.
Motley Fool  Jun 27  Comment 
Following the release of scoring by the Congressional Budget Office, the Senate will delay a vote on the Better Care Reconciliation Act of 2017.
Wall Street Journal  Jun 27  Comment 
Health-industry officials say it isn’t clear how much an added provision they sought for the Senate health bill will go toward helping insurance plans draw in the young, healthy enrollees insurers crave.
Clusterstock  Jun 27  Comment 
The Congressional Budget Office on Monday released its report on the Senate Republican healthcare bill. The CBO estimated that the bill, Better Care Reconciliation Act (BCRA), would result in the 22 million fewer people with health insurance...
Forbes  Jun 26  Comment 
Rhe big news about the CBO's report is not that headline number. It is that the report paint the health insurance market created by the BCRA as an unstable dystopia that replicates most of the problems of the Affordable Care Act, while covering...
Forbes  Jun 26  Comment 
GOP Senate health bill is only a slight improvement on the projections for the House version of ‘repeal and replace’ legislation for Obamacare, which CBO says would result in 23 million fewer Americans with health insurance.


Related Articles


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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