Resultsbee.com

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.

Even if you already have a life insurance policy, it's a good idea to review it periodically to make sure it still meets your overall needs. There are times in life you need to take a look at your financial situation, such as if you: Were recently married or divorced Had or adopted a child (or became a grandparent) Have children or grandchildren wh

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.

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

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

In addition to being financially secure, the life insurance company you choose should have a good claims payment history and good customer service. Independent sources such as A.M. Best Company rate insurance companies. HSBC works with insurance carriers who have a rating of A- rating or better by the A.M. Best Company.