Our Blog - The Latest News on Health Insurance
2018 Notice of Change for ACA Provisions
On December 16, 2016, the Department of Health and Human Services (HHS) issued final regulations related to a wide range of ACA provisions. These final regulations, effective for plans and plan years beginning on and after January 1, 2018, are relatively the same as...
No ACA Repeal and Replace under 2017 Reconciliation Process
No ACA Repeal and Replace in 2017 On September 26, Senate Republican leadership determined the Graham-Cassidy bill, which would repeal and replace parts of the Affordable Care Act (ACA), did not have enough support to bring up for a vote by the Senate. This bill was...
Better Care Reconciliation Act in the Senate
On June 22, the U.S. Senate released a discussion draft of the Better Care Reconciliation Act (BCRA) to repeal parts of the Affordable Care Act (ACA). The Better Care Reconciliation Act is the Senate Republicans’ alternative to the American Health Care Act (AHCA)...
Health Insurance 101: What Does “Out-of-Pocket Maximum” Mean?
When choosing a health plan, a term that might come up is out-of-pocket maximum. An out-of-pocket maximum is the most you'll have to pay during a policy period for health care services. Once your medical expenses add up to your out-of-pocket maximum, your health plan...
New Plan Released to Replace Affordable Care Act
On March 6, 2017, Republicans released their proposed legislation to repeal and replace the Affordable Care Act (ACA). These are some of the changes the proposal is looking to implement: Individual mandate requiring most Americans to maintain health insurance will be...
Happy and Healthy Thanksgiving!
From the Expriva team, have a happy and healthy Thanksgiving!
Health Insurance 101: HMO, POS or PPO?
Do you know what a HMO plan is? What about a POS or PPO plan? Health plans offered by insurance companies will usually fall into these categories. However, do you know how are they different? If you want to make a smart decision, you need to know their main features....
Group Health Insurance: Waiting Period Overview
A waiting period is the period of time that must pass before health coverage for an employee or dependent can become effective in a group health insurance. Since 2014, employers offering group health plans may not wait longer than 90 days to begin covering all...
Marketplace Is Asking for More Documents, Is My Coverage in Jeopardy?
Yes, your health insurance coverage and the financial help you receive for premium is in jeopardy. If the Marketplace sends you a notice asking you to send more documents, you must send them as soon as possible. If the Marketplace needs additional information, it is...
Healthy Tip of the Month: Is Red Wine Good for Your Health?
Some experts believe red wine has health benefits but too much is unhealthy. Get the facts on red wine and how it can impact your health. You may have read that red wine is good for your health -- but don't pop that cork too soon. Before you raise your glass, here are...