It’s no surprise that many Wisconsinites are concerned about the affordability of their health insurance.
According to a new survey, an overwhelming majority of Wisconsinites believe healthcare isn’t affordable.
The Wisconsin Policy Forum conducted the survey. It revealed that a whopping 84% of people in the state believe healthcare and health insurance are too expensive. The remainder of the respondents shows as split evenly. It split between those who thought health insurance was “just right” and those who thought it was “too cheap.”
Health insurance affordability has long been a concern in Wisconsin. For many years, the state has had some of the highest insurance premiums in the country. In addition, Wisconsinites pay some of the highest deductibles, copays, and out-of-pocket costs. This makes it difficult for those who are uninsured or underinsured to get the care they need.
The survey also found that concerns about healthcare coverage affordability had risen dramatically in the last year. In 2020, only 47% of respondents said they worried about health insurance affordability. Compare this to the 84% who responded in 2021.
This is a troubling trend, and it’s one that shows no signs of slowing down. With healthcare coverage costs continuing to rise, it seems that Wisconsinites will be living with this worry for some time to come.
Fortunately, there are options available to help make health insurance more affordable.
For example, the federal government offers subsidies to help offset the cost of insurance premiums. Additionally, Wisconsinites can apply for Medicaid if they earn too little to pay for coverage.
By taking advantage of these programs, Wisconsinites can get the insurance they need without breaking the bank. This is an important step in ensuring everyone in the state can access quality coverage.
It’s clear that health insurance affordability is a major concern for Wisconsinites. We should not be take this lightly. With the right resources and support, we can make sure everyone in the state has access to the coverage they need.
When applying for a premium tax credit, one of the most important factors determining eligibility is household size. Understanding your household size and how to correctly report it is essential for receiving the right amount of tax credits. Household size includes the primary applicant and any dependents on their tax return. It can also include individuals who may not be related to the primary applicant. In this blog, we’ll explain how to determine your household size. You’ll learn how to report your household size when applying for a premium tax credit.
Who is Eligible for Premium Tax Credits
Under the Affordable Care Act, individuals and families who buy health insurance through the Health Insurance Marketplace can be eligible for premium tax credits. These credits are based on income, cost of insurance, and family size. To qualify, individuals must meet certain income requirements. They can have no access to employer-sponsored health insurance. Lastly, they cannot be eligible for other programs like Medicare or Medicaid. The size of the premium tax credit depends on a household’s income and the cost of their insurance plan. People with lower incomes or higher insurance costs will receive larger premium tax credits. Premium tax credits can lower the amount an individual or family has to pay for health insurance each month. Moreover, the credits can be used to reduce the amount they owed on their taxes.
What are Premium Tax Credits?
Premium tax credits are a critical financial resource for many American families. These tax credits can be used to purchase health insurance and to help lower the cost of insurance premiums. Premium tax credits are available to people with incomes between 100% and 400% of the federal poverty level. These credits are based on factors such as family size, income, and geographic area. Premium tax credits can significantly reduce the amount of money individuals and families have to spend on health insurance premiums each month. This makes health insurance accessible and more affordable. By helping to reduce the cost of health insurance, premium tax credits can help individuals and families access the health care they need.
What Kind of Marketplace Health Insurance Plan can Someone Buy with the Credit?
With a premium tax credit, individuals and families can purchase a health plan through the Health Insurance Marketplace. These plans divide into four metal tiers: bronze, silver, gold, and platinum. Bronze plans have the lowest premiums and highest deductibles, while platinum plans have the highest premiums and lowest deductibles. Individuals and families can choose a plan that best suits their budget and health care needs. All plans offered through the Marketplace are comprehensive and must cover a range of health care services. These include preventive care, hospitalization, prescription drugs, and mental health services. Additionally, plans provide specific essential health benefits and protect against high out-of-pocket costs.
More about Eligibility
To be eligible for a premium tax credit, an individual or family must meet certain criteria. Generally, individuals and families making between 100% and 400% of the federal poverty level. Hence, they are not eligible for other types of health coverage. For instance, Medicare or Medicaid can receive a tax credit. Additionally, individuals and families must purchase a health plan through the Marketplace to be eligible for a premium tax credit. The amount of the premium tax credit is based on the estimated household income and family size. It is also based on the cost of the second-lowest silver-level health plan in the Marketplace. The premium tax credit helps to pay for the monthly premiums of a health plan purchased through the Marketplace.
What is the Federal Poverty Line for Premium Tax Credit
The federal poverty line determines eligibility for a premium tax credit. The poverty line is determined by the US Department of Health and Human Services. It is based on household size and income. Generally, individuals and families who make between 100% and 400% of the federal poverty level. They are not eligible for other types of health coverage, are eligible for a premium tax credit. For example, the 2023 federal poverty line for an individual is $14,580. Meanwhile, the poverty line for a family of four is $30,000. These amounts vary by family size and may change based on inflation and other factors.
Ultimately, understanding and correctly reporting your household size is essential for receiving the right amount of tax credits. Household size includes the primary applicant and any dependents listed on their tax return. It also includes individuals not related to the primary applicant. It is important to be aware of the factors that can affect your household size. These factors include as marriage, divorce, and adoption. Make sure you understand the different factors involved in determining your household size. This can help you receive the right amount of premium tax credit.
Small business owners are always looking for ways to cut costs and save money. One area where many small business owners struggle is with providing health insurance for their employees. The cost of health insurance can be prohibitively expensive for small businesses. However, it’s an important benefit that helps attract and retain employees. In this blog post, we will explore some affordable small-group health insurance options. These options can help small business owners provide this important benefit to their employees without breaking the bank. From government-subsidized options to alternative insurance models, there are a variety of options available for small businesses looking to provide health insurance at a reasonable cost. So, if you’re a small business owner looking for ways to offer health insurance to your employees without overspending, read on to learn more about the options available to you.
What is small-group business insurance?
Small-group business insurance refers to insurance policies specifically designed for small businesses. Small businesses usually have fewer than 50 employees. These policies typically include coverage for things like property damage, liability, and workers’ compensation. Some small group business insurance policies may also include coverage for things like a business interruption. This can help a business recover from lost income if forced to close due to a covered event. Additionally, many small group business insurance policies can be customized to meet the specific needs of a particular business. For example, a policy can offer coverage for specific types of equipment. Or, it can provide extra protection against certain types of risks. Overall, small group business insurance can provide peace of mind and financial protection for small business owners. Thus, this helps them to secure their businesses and protect their assets in case of unexpected events.
How does small-group health insurance work?
Small group health insurance works by providing a way for small businesses to purchase health insurance coverage for their employees. The employer typically purchases small-group health insurance policies. The employer then offers the coverage to their employees as a benefit. Moreover, the employer usually pays a portion of the premium and the employee pays the remaining portion. This is either through payroll deductions or direct payments.
The insurance company then provides coverage for the employees, which includes things like doctor’s visits, hospital stays, and prescription drugs. The specific coverage and benefits provided by a small group health insurance policy will depend on the policy itself. It will also depend on the insurance company offering it.
However, most policies will include coverage for basic medical needs like doctor’s visits, prescription drugs, and hospital stays. Additionally, many small-group health insurance policies can be customized to meet the specific needs of a particular business. This can include coverage for specific types of medical treatments or extra protection for certain types of risks.
Affordable small business health insurance plans
Affordable small business health insurance plans are insurance policies that are specifically designed for small businesses. These plans also offer coverage for the health care needs of their employees at a reasonable cost. There are a variety of options available for small businesses looking to provide health insurance at an affordable price. Some affordable small business health insurance plans include government-subsidized options.
For example, the small Business Health Options Program (SHOP) marketplace helps small businesses purchase health insurance. Other options include alternative insurance models, such as health-sharing plans. These plans are a cost-effective alternative to traditional health insurance. They allow small businesses and their employees to share in the cost of healthcare. Additionally, many insurance providers offer customizable plans that cater to small businesses needs and budgets.
There are a variety of options available for small businesses looking to provide health insurance to their employees without overspending. It’s important for small business owners to research and compare different options. This way, it is possible to find the one that best fits their needs and budget.
How can a business get small-group health insurance?
A business can get small-group health insurance by working with an insurance broker or agent. Or, by visiting a health insurance marketplace, or directly contacting an insurance company.
Working with an insurance broker or agent can be a good option for small businesses. They can help find and compare different insurance options based on the needs and budget of the business.
A health insurance marketplace, such as the Small Business Health Options Program (SHOP) is another option. The marketplace allows small businesses to purchase health insurance coverage for their employees. It also offers the benefit of government subsidies to those who qualify.
A business can also directly contact insurance companies and request quotes for small-group health insurance plans. It is important to compare different plans and options. This will help in the search to find the one that best fits the needs and budget of the business. Some states also have their own health insurance marketplaces that small businesses can explore.
The business ought to ensure that the plans they are considering comply with the Affordable Care Act (ACA) requirements. It also ought to ensure that the insurance company is licensed to sell insurance in the state where the business operates.
Do you need small-group health insurance?
Small-group health insurance is an essential benefit that small businesses can offer to their employees. It helps attract and retain employees. It also provides peace of mind and financial protection in case of unexpected health events. However, the cost of health insurance can be prohibitively expensive for small businesses. Fortunately, there are a variety of affordable small-group health insurance options available, and that’s where Healthedly comes in!
Special enrollment periods (SEP) are a crucial aspect of the health insurance landscape, allowing individuals to enroll in a health plan outside of the regular open enrollment period.
These periods are designed to provide consumers with greater flexibility and help them secure coverage when they need it most. Here is everything you need to know about special enrollment periods.
What is a special enrollment period?
A special enrollment period (SEP) is a time frame during which individuals can enroll in a health plan outside of the regular open enrollment period. These periods are typically triggered by certain life events, such as losing health coverage, getting married, or having a baby.
When can you enroll during a special enrollment period?
SEP’s are typically available for a limited time after a qualifying life event, such as 60 days after losing health coverage. It is important to note that the length of time for the SEP may vary depending on the event.
What are the qualifying life events for a special enrollment period?
The most common qualifying life events that trigger a special enrollment period include:
Losing health coverage
Getting married
Having a baby
Adopting a child
Gaining citizenship or legal status
Moving to a new area
Leaving prison
It’s important to note that not all events qualify for a special enrollment period.
Where can you enroll during a special enrollment period?
During a special enrollment period, individuals can enroll in a health plan through the Health Insurance Marketplace or directly through an insurance company. In some states, Medicaid and the Children’s Health Insurance Program (CHIP) also have special enrollment periods.
What happens if you miss the special enrollment period?
If you miss the special enrollment period, you will have to wait until the next open enrollment period to enroll in a health plan. Additionally, if you don’t have health coverage, you may have to pay a penalty when you file your taxes.
How to enroll during a special enrollment period?
To enroll in a health plan during a special enrollment period, you will need to provide documentation of your qualifying life event. This documentation may include marriage certificates, birth certificates, or documentation of a loss of coverage. You can enroll in a health plan through the Health Insurance Marketplace or directly through an insurance company.
It’s important to be aware of special enrollment periods and how they can affect your health coverage. If you experience a qualifying life event, be sure to take advantage of a special enrollment period to secure coverage.
Don’t hesitate to reach out to a Healthedly health insurance agent or broker for help understanding your options and enrolling in a plan during this period.
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There is a wide range of opinions on the current U.S. healthcare system. Some people believe that the health system in the U.S. is the best in the world. After all, our health system provides high-quality care to those who can afford it. However, others believe that the healthcare system is in need of significant reform. It is too expensive, complex, and unfair. Surveys have consistently shown that the cost of healthcare is a major concern for many Americans. A significant percentage of the population supports the idea of universal healthcare, where a single-payer system covers everyone. While many people oppose the idea of universal healthcare, most believe it would be too expensive. Meanwhile, others value the freedom to choose their own providers and plans.
There are a number of reasons why some Americans do not prefer the current U.S. healthcare system.
Some common concerns include:
High cost:
The cost of healthcare in the U.S. often gets cited as a major problem. Many Americans struggle to afford the high cost of insurance premiums, deductibles, and copays. Due to this, folks may be unable to access the care they need because of the cost.
Lack of access to healthcare:
Despite being the world’s wealthiest country, the U.S. has a high rate of uninsured citizens. Hence, many people still cannot enjoy access to affordable healthcare.
Complexity:
The U.S. healthcare system often gets criticized for its excessive complexity. The wide range of insurance plans, providers, and regulations that can be difficult for people to navigate.
Limited choices:
In some parts of the U.S., there may be a limited number of providers or insurance plans available. This can limit people’s options and make it difficult to find the care they need.
Shortage of primary care doctors:
Another concern? There is a shortage of primary care doctors in the U.S., which can make it difficult for people to access routine health services.
High administrative costs:
Last but not least, the U.S. health system struggles chronically with having high administrative costs. Unfortunately, this tends to drive up the overall cost of medical care.
Lack of transparency:
Some people may feel that the health system is not transparent enough, with prices for procedures and treatments often being unclear or hard to obtain.
Are you looking for more affordable health insurance? Healthedly’s mission is to connect people with an affordable health insurance plan. Whether you are an individual or a family, our agents will do everything possible to ensure you are set up with health coverage, regardless of income or employment.
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Are you wondering if you should invest in an eye checkup for your kids? You may be wondering, why spend the money if generally, children’s eyesight hasn’t begun to decline yet. But you may be surprised by the numerous benefits of getting your children in to see an eye doctor.
Children’s eyes are still developing
Eye checks for children are important because children’s eyes are still developing and can be easily damaged if not properly cared for. Regular vision checks can help identify potential problems early on, allowing for timely treatment and preventing long-term loss of eyesight.
Preventing vision problems
Untreated vision problems in children potentially leads to a number of negative effects, including difficulty with schoolwork, decreased ability to participate in sports and other activities, and social and emotional difficulties. Children who struggle with vision problems may have trouble seeing the board at school, playing with friends, or reading, which can impact their overall development and well-being.
In addition, some eye problems, such as amblyopia (lazy eye) or strabismus (crossed eyes) can only be effectively treated if caught early. By having regular vision checks, parents ensure that their child’s eyes are developing properly and that any potential problems are detected and treated promptly.
Overall, regular vision checks for children are important for ensuring healthy ocular development and preventing long-term vision problems.
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There are a few key factors to consider when deciding whether to enroll in an ACA (Affordable Care Act) plan or a short-term health plan.
First and foremost, it’s important to understand the differences between the two types of plans. ACA plans, also known as “Obamacare” plans, provide comprehensive coverage for a wide range of medical services. This includes preventative care, hospitalization, and prescription drugs. These plans must meet certain requirements set by the federal government, such as covering pre-existing conditions. They also offer a minimum level of coverage.
On the other hand, short-term medical plans provide temporary coverage for unexpected medical expenses. These plans typically have lower premiums and offer more flexibility than ACA plans. However, they provide much less comprehensive coverage. Short-term plans typically exclude coverage for pre-existing conditions. They may not cover certain types of care, such as maternity or mental health services.
What are your health and medical needs?
One major factor to consider when deciding between an ACA plan and a short-term medical plan? Your current health and medical needs. For example, you have a chronic condition or expect to need a lot of medical care in the near future. An ACA plan is likely to be a better choice because of its comprehensive coverage. On the other hand, if you’re healthy and just want some protection against unexpected medical expenses, a short-term plan may be a good option.
Another important factor to consider is your budget. ACA plans can be more expensive than short-term plans, if you don’t qualify for subsidies to help lower your premiums. If you’re on a tight budget and need to save money on your health insurance, a short-term plan is a good option. However, keep in mind that you’ll likely end up paying more out of pocket for medical care if you have a short-term plan. These plans provide less comprehensive coverage.
Think long-term vs short-term when it comes to your health plan
It’s also important to think about the long-term implications of your decision. ACA plans seem more stable and predictable than short-term plans. They provide continuous coverage and can’t be canceled for reasons like getting sick or making a claim. If you’re looking for a long-term solution for your health insurance needs, an ACA plan may be a better choice.
Whether you choose an ACA plan or a short-term medical plan will depend on your individual circumstances and needs. ACA plans provide comprehensive coverage, but can be more expensive. Short-term plans are less expensive, but provide less comprehensive coverage.
Ultimately, the right choice for you will depend on your health, budget, and long-term needs. Healthedly offers a variety of plans, from
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Colon cancer is a type of cancer that affects the colon, the large intestine. The colon is part of the body’s digestive system, and its primary function is to absorb water and nutrients from food and to eliminate waste. Colon cancer occurs when healthy cells in the colon develop mutations in their DNA, leading them to grow and divide rapidly. These abnormal cells form a tumor, and if doctors do not detect the tumor and treat it, this cancer can spread to other parts of the body.
Colon Cancer Screening
The importance of early screening for colon cancer cannot be overstated. Every year, at least 100,000 people in the US recieve the chilling diagnosis of colon cancer. When this type of cancer gets detected in its early stages, it can often be treated successfully, and the chances of survival are much higher. Screening tests, such as a colonoscopy, can help doctors find colon cancer at an early stage when it is most treatable.
Some people are at a higher risk of developing this disease. Risk factors for this type of cancer include a family history of this cancer, a personal history of inflammatory bowel disease, or being over the age of 50. People with any of these risk factors should talk to their doctor about getting screened for this cancer.
Treatment
If cancerous cells are detected, treatment will depend on the stage of the cancer and the individual’s overall health. Treatment options may include surgery to remove the cancerous growth or chemotherapy to kill cancer cells. Experts also recommend radiation therapy to shrink the tumor. In some cases, your doctor will use combination of these treatments.
One of the biggest challenges with this type of cancer? It often does not cause any noticeable symptoms in its early stages. This is why screening is so important. Signs may be altered bowel movements (diarrhea or constipation), blood in stool, abdominal discomfort, and unexplained weight decrease. If you have any of these symptoms, it is important to talk to your doctor right away.
In conclusion, cancer of the colon is a serious disease that can be deadly if not detected and treated early. Early screening is crucial for detecting colon cancer at an early stage, when it is most treatable. If you are at high risk for colon cancer, talk to your doctor about getting screened. And if you experience any symptoms of a cancerous colon, don’t delay in seeking medical help.
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If you have diabetes, it’s important to monitor your blood sugar levels and manage your condition to avoid complications. One way to stay on top of your diabetes care is by following a healthy eating plan. This means eating a balanced diet that includes a variety of fruits, vegetables, whole grains, and lean proteins. It’s also important to limit your intake of sugary foods and drinks.
Another way to manage your diabetes is by being physically active. Aim for at least 150 minutes of moderate-intensity exercise each week, or 75 minutes of vigorous-intensity exercise. This can help lower your blood sugar levels and improve your overall health.
In addition to healthy eating and exercise, it’s important to take any medications prescribed by your doctor as directed. This may include insulin or other medications to help control your blood sugar levels. It’s also a good idea to check your blood sugar levels regularly, as recommended by your doctor.
It’s important to see your doctor regularly for check-ups and to discuss any changes in your condition. This can help your doctor identify any potential problems early on and adjust your treatment plan if necessary.
It’s also important to monitor for any complications of diabetes, such as nerve damage, kidney damage, or eye problems. If you notice any changes in your vision, or if you have tingling or numbness in your feet, be sure to let your doctor know.
Managing your diabetes can be challenging, but it’s important for your overall health. By following a healthy eating plan, being physically active, taking your medications as directed, and regularly checking your blood sugar levels, you can help manage your condition and avoid complications. Talk to your doctor about the best ways to stay on top of your diabetes care.
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Are you planning a cruise next year or in a few months? Cruises offer a fantastic way of seeing a part of the world by luxury liner, whether you want to explore a tropical paradise or see the Northern Lights. Cruise ships are an encapsulated metropolis, but you should still remember the motto “Always Prepared”. Cruise ships sometimes don’t dock for weeks at a time, so you will want to avoid the stress of needing an essential item but having to wait to get on dry land.
So, what do you need to pack for your next cruise? What should you add to your packing list? These are the essentials you will need for your next cruise.
Everyday outfits
Start with figuring out everyday outfits to wear daily on the trip. Choose a pair of your favorite shorts, skirt, or leggings to wear. Then find two or three tops that you can cycle through. Don’t forget comfy shoes, slippers, and sandals. Cruise ships tend to make stops at various tourist attractions along the way. Some of these locations include a place to hike or explore. Make sure you take along some good walking shoes for an excursion on land. If you are going on a Caribbean cruise, you will want a good swimsuit, hat, and other beachwear. For an Alaskan cruise, make sure to pack layers, like a couple of sweaters or a jacket and gloves.
Staying Active
You will want to stay active on board, to work off all those mimosas and all-you-can-eat brunches. Add your favorite activewear outfit to your suitcase so you can take advantage of the ship’s fitness facilities. Be sure to grab an extra sweater or jacket; if you are on an Alaskan cruise, you may want to go hiking and explore the beautiful northwest. It can get chilly that close to the Arctic circle!
Evening outfits
There are a number of cruise lines with relaxed rules around evening wear onboard a cruise ship. However, many of the luxury lines stipulate a more formal dress code in the evening. When planning your wardrobe, be sure to pick out a few business casual outfits, and even a couple of formal looks to wear on the ship at night.
Essentials
If you take a prescription medication, be sure to bring along more than enough for the cruise. It’s always best to have more than you need just in case and divide them into separate containers, in case you lose one. This way, you will not lose all of your medication if you happen to misplace a container.
Of course, grab all your toiletries and essential items you will need for a trip. Travel experts recommend taking along a first aid kit as well.
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