Every year, the Pennsylvania Insurance Department reviews all proposed health insurance rates and changes to existing rates for plans in the individual and small group markets. We have a number of resources available to help consumers understand this process and obtain information about requested and approved changes to their rates. For more information on the health insurance rate review process and to see a list of these resources, click here. 


Every year, the Pennsylvania Insurance Department reviews all proposed health insurance rates and changes to existing rates for plans in the individual and small group markets. We have a number of resources available to help consumers understand this process and obtain information about requested and approved changes to their rates. For more information on the health insurance rate review process and to see a list of these resources, click here. 

Regarding the first demographic, this represents primarily folks living in the 19 states that didn’t expand Medicaid under Obamacare. There is now a gap between Medicaid eligibility and where the exchange subsidies kick in. There are nearly 2.5 million people who fall into this gap and generally elect to not buy any health insurance or opt for the cheap catastrophic plans.
Very important topic but not too early to run it. One can change as early as October 1st since the easiest ACA tax exemption is the lack of insurance coverage was for three months or less. (Talking to an insurance agent this harmed the market with poor families rolling the dice on their health to have more holiday money.) Plus all independent contractors (not just FIRE folks) should be looking into the offerings coming this Fall.
Lyme disease, caused by the spirochetal bacterium, Borrelia burgdorferi sensu lato (Bbsl), is typically transmitted by hard-bodied ticks (Acari: Ixodidae). Whenever this tick-borne zoonosis is mentioned in medical clinics and emergency rooms, it sparks a firestorm of controversy. Denial often sets in, and healthcare practitioners dismiss the fact that this pathogenic spirochetosis is present in their area. For distribution of Bbsl across Canada, we conducted a 4-year, tick–host study (2013–2016), and collected ticks from avian and mammalian hosts from Atlantic Canada to the West Coast. Overall, 1265 ticks representing 27 tick species belonging to four genera were collected. Of the 18 tick species tested, 15 species (83%) were positive for Bbsl and, of these infected ticks, 6 species bite humans. Overall, 13 of 18 tick species tested are human-biting ticks. Our data suggest that a 6-tick, enzootic maintenance cycle of Bbsl is present in southwestern B.C., and five of these tick species bite humans. Biogeographically, the groundhog tick, Ixodes cookei, has extended its home range from central and eastern Canada to southwestern British Columbia (B.C.). We posit that the Fox Sparrow, Passerella iliaca, is a reservoir-competent host for Bbsl. The Bay-breasted Warbler, Setophaga castanea, and the Tennessee Warbler, Vermivora peregrina, are new host records for the blacklegged tick, Ixodes scapularis. We provide the first report of a Bbsl-positive Amblyomma longirostre larva parasitizing a bird; this bird parasitism suggests that a Willow Flycatcher is a competent reservoir of Bbsl. Our findings show that Bbsl is present in all provinces, and that multiple tick species are implicated in the enzootic maintenance cycle of this pathogen. Ultimately, Bbsl poses a serious public health contagion Canada-wide. Full article

You can also use your phone to “pre-shop” for a plan with a licensed agent – to discuss your personal plan benefit needs, get premium information and get specifics on your subsidy eligibility and subsidy amount. (You can call one of healthinsurance.org’s partners at 1-844-608-2739 to talk with a licensed, exchange-certified broker who can enroll you in an ACA-compliant plan.)


In 2005, the Supreme Court of Canada ruled, in Chaoulli v. Quebec, that the province's prohibition on private insurance for health care already insured by the provincial plan violated the Quebec Charter of Rights and Freedoms, and in particular the sections dealing with the right to life and security, if there were unacceptably long wait times for treatment, as was alleged in this case. The ruling has not changed the overall pattern of health insurance across Canada, but has spurred on attempts to tackle the core issues of supply and demand and the impact of wait times.[18]
Coverage limits: Some health insurance policies only pay for health care up to a certain dollar amount. The insured person may be expected to pay any charges in excess of the health plan's maximum payment for a specific service. In addition, some insurance company schemes have annual or lifetime coverage maxima. In these cases, the health plan will stop payment when they reach the benefit maximum, and the policy-holder must pay all remaining costs.
Since 1974, New Zealand has had a system of universal no-fault health insurance for personal injuries through the Accident Compensation Corporation (ACC). The ACC scheme covers most of the costs of related to treatment of injuries acquired in New Zealand (including overseas visitors) regardless of how the injury occurred, and also covers lost income (at 80 percent of the employee's pre-injury income) and costs related to long-term rehabilitation, such as home and vehicle modifications for those seriously injured. Funding from the scheme comes from a combination of levies on employers' payroll (for work injuries), levies on an employee's taxable income (for non-work injuries to salary earners), levies on vehicle licensing fees and petrol (for motor vehicle accidents), and funds from the general taxation pool (for non-work injuries to children, senior citizens, unemployed people, overseas visitors, etc.)
Healthcare can contribute to a significant part of a country's economy. In 2011, the healthcare industry consumed an average of 9.3 percent of the GDP or US$ 3,322 (PPP-adjusted) per capita across the 34 members of OECD countries. The US (17.7%, or US$ PPP 8,508), the Netherlands (11.9%, 5,099), France (11.6%, 4,118), Germany (11.3%, 4,495), Canada (11.2%, 5669), and Switzerland (11%, 5,634) were the top spenders, however life expectancy in total population at birth was highest in Switzerland (82.8 years), Japan and Italy (82.7), Spain and Iceland (82.4), France (82.2) and Australia (82.0), while OECD's average exceeds 80 years for the first time ever in 2011: 80.1 years, a gain of 10 years since 1970. The US (78.7 years) ranges only on place 26 among the 34 OECD member countries, but has the highest costs by far. All OECD countries have achieved universal (or almost universal) health coverage, except the US and Mexico.[2][3] (see also international comparisons.)

The Trump Administration was repeatedly threatening to cut off funding for cost-sharing reductions, and that issue wasn't resolved until October, when the funding was officially eliminated (insurers in most states have added the cost of CSR to silver plan premiums, which although it drives up average premiums, also results in larger premium subsidies and more affordable after-subsidy premiums for many enrollees).
That's all great news. But the average benchmark premium is decreasing by quite a bit more than the average overall premium. That means subsidy amounts will fall by more than the average premium amounts, and people who don't shop carefully during open enrollment could find that their coverage, after their subsidy is applied, is more expensive in 2019 than it was in 2018. 
Medicare insurance plans include coverage for hospital, medical, and some prescription drugs. Medicare supplemental insurance plans, also called Medigap, can help pay for your copays and deductibles. You can also explore Medicare Part D plans, which are a standalone prescription drug program offering coverage for medication costs. eHealth makes it easy to browse insurance plans in your area while advocating for you throughout the process. Guidance is available at no cost from more than 200 licensed insurance agents.
The status of the individual mandate was very much in question. Even if the ACA repeal bills weren't successful, insurers didn't know if the IRS would continue to enforce the mandate. And even if they did, there was uncertainty over whether the public would perceive that the mandate wasn't being enforced, which could lead to fewer healthy people purchasing coverage.
Health care or healthcare is the maintenance or improvement of health via the prevention, diagnosis, and treatment of disease, illness, injury, and other physical and mental impairments in human beings. Healthcare is delivered by health professionals (providers or practitioners) in allied health fields. Physicians and physician associates are a part of these health professionals. Dentistry, midwifery, nursing, medicine, optometry, audiology, pharmacy, psychology, occupational therapy, physical therapy and other health professions are all part of healthcare. It includes work done in providing primary care, secondary care, and tertiary care, as well as in public health.
Thanks for the post. My wife and I have achieved FI and are exploring when we can retire (she is only working part time now). My biggest challenge is that I have a chronic leukemia that requires medication for life (fortunately I am in remission but still need to take medicine daily). What surprised me the most when searching for health plans on the exchanges, was the lack of hospitals and doctors in the plans. I live in Houston and none of the major hospitals in the medical center are in the market place plans. So if I quit my job I would loose access to the specialist that I have seen for almost 7 years now. I’ve thought of moving to a different state where the plans have access to specific local specialists (of course who knows if the plans in other states will eventually drop those doctors). But for now I feel a bit stuck in my job if I want to visit the doctor and have access to the medical facility that I am so familiar and comfortable with.

Short Term Medical plans are medically underwritten so they will be most suitable for healthy individuals without pre-existing conditions or expensive medications. Keep in mind that when you renew a STM plan you have to medically qualify each renewal term. So, if you have a medical situation occur while enrolled in a STM they can not drop your coverage but they can deny you the option to renew it at the end of your term.


You can always visit HealthCare.gov to browse plans and rates, and to get a general idea of how much financial assistance you’d get if you were to enroll. They let you do this by answering a brief series of questions — all without creating an account or providing any personal information. The prices shown won’t account for tobacco use, which will be factored into the premium when you enroll.
Then you will need to determine if you qualify for a subsidy first. You can do that by running quotes at our ACA enrollment page right here. If you qualify for a subsidy and MONTHLY COST is the most important factor to you then a ACA plan is probably your best option since none of the other options can be used with a subsidy. If you do not qualify for a subsidy, however, you will probably find any of the other options offer a 30-70% lower cost option than an ACA plan.
For example, one very poor woman I interviewed recalled a breathing problem she had several years ago. She thought something was wrong with her trachea but she couldn’t find a doctor who would treat her, as she was informally employed and couldn’t afford expensive private care. So she went to the courthouse and described the problem to a judge; in so doing, she filed a tutela claim. The judge found in her favor: His decision required her subsidized insurance to cover creams and diapers rather than the overnight nurse she had requested to monitor her breathing.
Individual and family health insurance plans can help cover expenses in the case of serious medical emergencies, and help you and your family stay on top of preventative health-care services. Having health insurance coverage can save you money on doctor's visits, prescriptions drugs, preventative care and other health-care services. Typical health insurance plans for individuals include costs such as a monthly premium, annual deductible, copayments, and coinsurance.
×