Why Doesn’t My Job Offer Health Insurance—and What Can I Do About It? More and more people today work jobs that don’t provide health benefits. Whether you’re a contractor, hourly worker, or part-time employee, your employer might not be required to offer insurance. Unfortunately, that leaves many working-class individuals with few options—or so it seems….
What’s the Difference Between Marketplace Insurance and Private PPO Plans? The Marketplace, also known as the ACA Exchange, offers government-regulated health insurance plans. These plans are standardized and often come with income-based subsidies. However, they can also be expensive if you don’t qualify for financial aid. Private PPO plans, on the other hand, are not…
What Are Health-Based Premiums and How Do They Work? Health-based premiums are insurance rates determined by your individual health status and lifestyle, rather than a flat rate assigned to everyone. This type of pricing rewards people who maintain a healthy lifestyle with lower monthly premiums. Insurance providers may consider factors like age, weight, medical history,…
Can I Get Health Insurance If I’m Self-Employed? Absolutely. Being self-employed doesn’t mean you have to go uninsured or settle for subpar coverage. In fact, private PPO health insurance plans are designed to meet the needs of independent contractors, freelancers, small business owners, and gig workers. These plans offer flexible coverage and are often based…
What Is PPO Health Insurance—and Why Does It Matter? If you’ve ever shopped for health insurance, you’ve likely come across the term “PPO.” It stands for Preferred Provider Organization—a type of health insurance plan that offers greater flexibility in choosing your doctors and hospitals. Unlike HMO (Health Maintenance Organization) plans, which require referrals and restrict…
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