Health Insurance

MarketWatch  Mar 21  Comment 
Congressional negotiators agreed on a $1.3 trillion spending bill late Wednesday, that would avert a government shutdown Saturday. The bill includes $1.5 billion to partially fund President Donald Trump's border wall, as well as spending increases...
The Hindu Business Line  Mar 20  Comment 
The Insurance Regulatory and Development Authority of India (IRDAI) has directed insurers not to reject claims on the basis of exclusions related to genetic disorders. In a recent judgement
The Economic Times  Mar 19  Comment 
The regulator also asked health insurance companies not to include 'genetic disorders' as one of the exclusions in new health insurance policies.
The Hindu Business Line  Mar 18  Comment 
The following are some of the frequently asked questions on health insurance compiled from Insurance Regulatory Development Authority of India’s website:
Wall Street Journal  Mar 15  Comment 
Health insurers and the Trump administration face a court decision shortly that will determine whether the government must pay insurers billions of dollars despite Republican efforts to block payments they view as an industry bailout.
New York Times  Mar 9  Comment 
Federal authorities say Idaho’s plan for a stripped-down insurance option must be revised to meet the federal health care law. Other states are watching.
Insurance Journal  Mar 9  Comment 
A U.S. government agency on Thursday said Idaho could not allow health insurers to sell plans that do not comply with Obamacare, a sign that the Trump administration will enforce the law even as it takes regulatory actions to weaken …
Clusterstock  Mar 7  Comment 
FDA Commissioner Dr. Scott Gottlieb put the pressure on health insurance companies and pharma middlemen about the high drug prices patients are facing at a health insurance conference on Wednesday.  "Sick people aren’t supposed to be...
Forbes  Mar 7  Comment 
Today an estimated one in three workers has a high deductible health plan, which typically requires employees to pay the first few thousand dollars a year of health costs out of their own pocket. Essentially, this means most covered Americans...


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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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