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If youre not satisfied with how your insurance company addresses your complaint, every state has an insurance department to help with questions or complaints. To find out more, contact your state insurance department. Ask if your state has a consumer assistance program that can help you file an appeal. The National Patient Advocate Foundation may b

All private health insurance plans offered through the state marketplaces must offer the same set of "essential health benefits" as defined under the Affordable Care Act. These include: emergency care; lab tests; prescription remedies; preventive care; maternity, newborn and pediatric care; and treatment for mental health disorders and substance ab

Yes. It is completely up to the employer whether or not they will offer health insurance to employees at all, and they can change carriers and level of benefits at any time.

Depending on your income, you may be eligible for lower-cost, subsidized coverage purchased through Obamacare's state health insurance exchanges. Or, you may qualify for low-cost coverage.

As you can probably now see, there's a lot of potential advantages to employees purchasing health insurance on their own. They get to choose a plan that works best for them and can apply for a subsidy that could cut a significant chunk of the costs. If this is something that interests your employees, you might prefer to give them a stipend, rather

If you're used to getting insurance through an employer, buying your own is a change. Health care reform also changed individual and family health coverage. We'll help you understand it better so you can make the right choice.