health care
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Investing
What Are Defensive Stocks and Why Do You Need Them?
Defensive stocks are a great tool for investors that want to minimize their risks, especially during market downturns. For example, when shares witnessed a dramatic selloff during the end of 2018, the Alliant Energy stock price barely moved. Similarly, United Healthcare stock rallied in May of 2019, even those the rest of the market declined. Yet there are still main…
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Budgeting
These Apps Will Lower Your Medical Bills
Technology revolutionized everything in our lives, ranging from transportation to shopping. This is even true when it comes to medical care. Instead of rushing to the nearest hospital ER or making an urgent care appointment, patients can lookup their symptoms online. However, not many people know about how apps are replacing insurance companies and hospitals. They cover copays and connect…
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Insurance
Finding Benefits Outside of your Job
The best way to make sure that you are covered in case of job loss is by preparing yourself before the worst situation may come along. The good news is that preparation and finding benefits doesn’t have to be as exhausting of an ordeal as you may first imagine.
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Budgeting
Part Three: Preparing for Inflation-Adjusted Premiums
In January, your tax credits and average health insurance cost, per month, are going to change. Whether it’s a private plan, an employer-sponsored one, or Medicare, all consumers’ income brackets are going to be adjusted for inflation. In short, if your household earnings go up, your premiums might not because of the higher income brackets. Moreover, consumers may even qualify…
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Budgeting
Part Two: Inflation and Your Health Premiums
Generally, the government takes care of a portion of your health insurance premiums. The amount is based on someone’s income bracket, which changes every year because of inflation. In a previous article, we discussed how this impacts the average monthly health insurance cost, even if a household’s income doesn’t go up or down. The change will effect the 2019 Medicare…
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Budgeting
The 2020 Inflation Adjustment and Your Health Premiums
Starting next year, inflation will impact the average monthly health insurance cost and the Medicare premiums 2020 rates. More specifically, even if your income doesn’t change, inflation might diminish your taxable earnings. In turn, you may qualify for lower premiums and tax savings. Having said that, higher health insurance options are also on the table. If your income increases, so…
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Credit Cards
Medical Credit Cards for Staying Physically and Financially Healthy
Medical bills are one of those expenses in life that you can't really help. Most of the time, you don't get to save up and plan when you have a medical emergency, and it's usually going to take a good chunk of money to pay it off. Sometimes you don't have that option though, and this is a good time…
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