How Does Small Business Health Insurance Work? The Affordable Care Act (ACA) defines a small business as a group of no more than 50 full-time employees (FTE), though some states may define it differently. A small business owner enrolls in a group health insurance plan offered by a private insurance company and then provides their … Read more

How Does Life Insurance Work? Life insurance works by providing your beneficiaries with a death benefit payout if you die, but only if your policy is in-force when you pass away—meaning you have paid the required premiums while you’re alive. The death benefit can be used for any purpose your beneficiaries choose. Before you enter into a … Read more

How Do You Qualify For Short-Term Health Insurance? You can apply for a short-term health insurance policy at any time of year if your state allows short-term coverage. You can be denied coverage based on your health, unlike standard health insurance. On the application you’ll likely answer yes/no questions about medical conditions. A short-term health … Read more

How To Choose the Best Mental Health Insurance Many health insurance plans cover mental health, according to AHIP, a national association that represents the health insurance industry. In an AHIP study of insured Americans: To find the best mental health insurance for you, consider these factors: In the dynamic landscape of healthcare in the United … Read more

How Much Is Life Insurance? For 30-year-olds: Life insurance costs an average of $14 a month ($162 a year) for a 20-year, $250,000 term life insurance policy for a man age 30 and $12 a month ($143 a year) for a woman age 30, based on our analysis. For 40-year-olds: The average cost for a 20-year, $250,000 … Read more

Stay on a parent’s health plan Remaining on your parent’s health insurance may make the most sense if it’s an affordable option. You don’t have to be single and live at home to stay on your parents’ plan. You can live elsewhere, be married and even have a child and remain on your parents’ health … Read more

State-Level Vaping Statistics Forbes Advisor compared hundreds of data points from the CDC across all 50 states to determine which have the most and least vapers. Here are the results. In the ever-evolving landscape of public health and smoking habits, e-cigarettes have emerged as a contentious topic, blending technological innovation with concerns over addiction and … Read more

What Does Health Insurance for Retirees Cover? Health insurance for retirees through an ACA plan covers: Health insurance plans generally cover care that is a medical necessity. That means a health plan covers medical care but won’t pay for things like cosmetic surgery. It also may not cover new technology or services and off-label prescriptions. It’s … Read more

Good health can allow you to fully participate in the activities you enjoy and live life to the fullest. Yet many Americans struggle with chronic health conditions that hamper their quality of life. Six in 10 American adults have at least one chronic disease and four in 10 have two or more, according to the … Read more

Health Insurance Options for College Students College students have multiple options for health insurance. We’ve outlined the pros and cons of each below so you can weigh your choices carefully before making a decision. Parent’s Health Insurance Plan Students can stay on a parent’s health insurance plan until age 26—even if they’re not a dependent. For many … Read more