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What is HIPAA?

One of the acronyms that has been bandied around since the health insurance regulation has passed is HIPAA. HIPAA stands for the Health Insurance Portability and Accountability Act, an act that protects the privacy of health insurance consumers in a digital age and allows them some guarantee of insurance renewability if they are unable to replace their group insurance plan.

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COBRA Coverage Explained

COBRA is the acronym for a health insurance portability act signed into law during the 1990′s. Thanks to COBRA, if you leave an employer who is providing your group health insurance coverage, you can keep the coverage for 18-36 months even though you no longer really qualify for the group coverage since you are not a member of the group.

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Understanding Health Savings Accounts

Health Savings Accounts (HSAs) were introduced in 2003 by President Bush who was, at the time, looking for ways to improve and modernize the healthcare options available. There has been some controversy over the value of HSAs to the average citizen and the most recent statistics suggest that the take-up has been low and is limited to the more wealthy taxpayers. Let’s see how the HSA is designed to work and then discuss whether an HSA might be the right solution to your health insurance problems.

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Which is better: an HMO or a PPO?

Two of the most commonly purchased forms of health insurance are Health Maintenance Organization (HMO) plans and Preferred Provider Organization (PPO) plans. Both employers and the private health insurers offer this choice. But to the average consumer, these words and letters don’t accurately describe the differences between these two insurance types. Before you get your next health insurance quote, you need to understand the differences so you can determine which plan is best for you and your family.

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Is There Such a Thing as a Standard Health Insurance Policy?

When shopping for low cost health insurance, life would be a lot easier if there was some sort of standard insurance policy to buy. But people have such widely varying needs and health histories that a single, “standard” policy is impossible to create. Although people tend to fall into recognizable groups as they fall sick or need treatment, there are always minor differences that should be discussed with the health insurance company before you decide on which low cost health insurance coverage to accept.

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3 Things You Should Know About Health Insurance

If you learn nothing else about health insurance before you look for health insurance quotes online, you should learn the following three things.

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