Behind New York State’s Obamacare Insurance Rates

Behind New York State’s Obamacare Insurance Rates

Photograph by Timur Emek/Getty Images New Yorkers who don’t get health insurance through their jobs will be able to buy individual health plans next year at rates about half the cost of current policies, New York State announced on Wednesday. That’s not surprising because the way the state’s insurance market was previously structured had driven […]

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Employee or Not? Obamacare’s Options for the Self-Employed

Employee or Not? Obamacare’s Options for the Self-Employed

Photograph by Jupiterimages/Getty Images Question: My husband got laid off and started his own small business as an S corporation. We both get paychecks from the company. When applying for medical insurance, should we categorize ourselves as employees of this company or self-employed? —P.P., Suisun City, Calif. Answer: The Affordable Care Act mandates that individuals […]

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Overweight? Smoke? Pay Up for Health Insurance

Overweight? Smoke? Pay Up for Health Insurance

The 69 percent of American adults who are overweight or obese and the 19 percent of us who smoke pay more for health insurance because of the risks associated. People with a body mass index of 30 or higher, considered obese, pay on average 22 percent more to buy health insurance in the individual market, […]

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Small Business Makes a Risky Bet on Health Care

Small Business Makes a Risky Bet on Health Care

Photograph by Getty Images SouthCoast Medical Group had long provided health insurance to its employees the conventional way, paying premiums to an insurance company that covered medical claims. Then in January 2011 the 65-doctor practice with offices in and around Savannah, Ga., opted to take on more of the risk itself. SouthCoast thought it could save […]

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Regulators Eye a Maneuver Meant to Cut Health-Care Costs

Regulators Eye a Maneuver Meant to Cut Health-Care Costs

Photograph by Joe Raedle/Getty Images Insurance markets can be unraveled by adverse selection: If people who need insurance less don’t pay into the risk pool, that raises the costs for everyone left. That’s why the health-reform law has mandates for both individuals and employers with 50 or more employees: Everybody pays in to make insurance […]

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