Health insurance companies come in various sizes.  They are ranked according to their product line.  The insurance industry is made up of different types of players in different spaces (Hayes & Investopedia, 2021).  For example, insurance companies can be formed as a traditional stock company with outside investors, or have mutual companies with policyholders as the owners (2021).   Interestingly enough, the United States government is the largest health insurance provider through the Medicare program, Social Security, and Medicaid administered by individual states (2021).  However, did you know there are an estimated 1,000 insurance companies in the U.S. today?  Therefore, the top...

Now that you are convinced saving money on insurance is possible and having insurance is necessary to live, so, what’s next?  In the U.S. today, there are hundreds of insurance plans, which means your stress levels just went up.  However, if you have not purchased insurance and are still researching information, then review this article to get started! The Basic Types of Insurance Plans Whether you are looking for individual, family, or for your organization, these are the types of plans you might want to consider first: Health Maintenance Organization (HMO) Health Savings Account (HSA) Preferred Provider Organization (PPO) Indemnity...

Yes, you can save money on health insurance!  There are many ways to be insured while not having to pay a fortune out of pocket.  Speaking of misfortune, bankruptcy and debt are products of exponential health care costs, which makes the the leading causes.  As a matter of fact, there are numbers that represent insured people and those who have trouble paying their bills.  For example, statistics show that 15% of adults report at least one person in their household has medical debt and may not be paid within the year (Witters, 2021).  Along with the 15% of adults, most...

Have you ever read an insurance plan and thought afterwards, “what did I just read?”  The health insurance topic is a complex subject.  Even if you call to talk with a sales rep for health insurance, you will need to research more on coverage plans.  But, what are the things you need to know about health insurance?  Look no further!  Let’s start with why we need health insurance. Why Do I Need Health Insurance? Most companies will pitch this line, “you can’t afford to not” when it comes down to purchasing health insurance.  Instead of forcing an opinion onto people,...

Also called, “health insurance exchange,” is the internet’s mainstream communication on health insurance and healthcare reform.  In other words, it’s a federally run program.  The Affordable Care Act (ACA) opened the exchange platform on the internet among U.S. states in 2010.  On the other hand, states can run their own insurance marketplaces apart from the federal government.  Let’s look closer at the Affordable Care Act, which is also called, “Obamacare.” Obamacare Like purchasing a hotel room with an online search tool modified by filters, Obamacare is easy to access through an online portal.  Officially called, Patient Protection and Affordable Care...

To begin with, food can protect or promote disease in the human body.  Moreover, scientists developed theories that shape new research on the preventative measures of food healing.  Theoretically, antioxidants, fats, and food allergies or intolerances are health promoters and protectors of the body (Carper, 1993, p. 7).  First, let’s look at how oxygen plays a critical role in the body. Disease & Destruction of Oxygen Scientists link the destruction of oxygen in the body to sixty different chronic diseases and aging.  “The older we are, the most oxidized we get,” says M.D. Helmut from University of Dusseldorf Medical School in...