Latest posts
-
What Is Medicare? Health Insurance for Older Adults in the United States
Medicare is one of the most important federal health insurance programs in the United States. It is administered by the federal government and funded through a combination of Medicare payroll taxes, federal revenues, and premiums paid by beneficiaries. Image: Kampus Production, Pexels If you or a loved one lives in the United States—or is planning…
-
What Is the Health Insurance Marketplace?
The Health Insurance Marketplace is where individuals and families can purchase health insurance on their own, especially when they do not have suitable coverage through an employer and do not qualify for Medicaid or Medicare. Image: Mikhail Nilov/Pexels The Health Insurance Marketplace was created under the Affordable Care Act (ACA) to help more people gain…
-
COBRA: Continuing Your Health Insurance After Leaving a Job
COBRA, which stands for the Consolidated Omnibus Budget Reconciliation Act, is a federal law that allows employees and their family members to continue their employer-sponsored health insurance for a limited period of time after they lose eligibility for coverage. In other words, if you leave your job or experience another qualifying event, you may be…
-
CHIP: Children’s Health Insurance Program
What is CHIP? The Children’s Health Insurance Program (CHIP) is a public health insurance program for children in families whose income is too high to qualify for Medicaid, but who may not be able to afford private health insurance. Hình ảnh bởi Gustavo Fring, Pexels CHIP is jointly funded by the federal government and state…
-
What is Medicaid? Health Insurance for Low-Income Individuals and Families
Medicaid is one of the most important public assistance programs in the United States. Medicaid is often confused with Medicare. In reality, they are two completely different programs. While Medicare is primarily for older adults, Medicaid is a health insurance program for people with low income and certain other eligible groups. Image: Towfiqu Barbhuiya/Pexels Medicaid…
-
Employer-Sponsored Health Insurance in the United States
For most workers in the United States, employer-sponsored health insurance is the most common type of health coverage. If you have just started working in the U.S. or are considering a job offer, understanding how this type of insurance works can help you choose the right job and make the most of the benefits available…
-
Understanding U.S. Health Insurance: Key Terms Every Newcomer Should Know
One of the reasons many newcomers to the United States find the healthcare system “too complicated” is not necessarily the medical care itself, but rather the complexity of health insurance policies — something most of us may never have experienced before. To help you feel more comfortable when navigating health insurance services, this article explains the most…
-
Common Health Insurance Benefits You Should Not Overlook
Most people only use their insurance when they are sick or facing an urgent situation, while missing out on services such as free annual checkups, mental health support, and other wellness programs. In this article, I will introduce several common benefits that many U.S. health insurance plans may cover but that people often overlook.
-
Understanding the U.S. Healthcare System
Health insurance in the U.S. is not one single system that works the same way for everyone. Depending on your situation, you may get coverage through very different paths. In this article, I’ll walk through the most common types of health insurance in the United States and explain why the same health care system can…
-
New to U.S. Health Insurance? Start With These Essential Steps
If you are just starting your life in the U.S. — whether as an international student, a recent immigrant, or a new resident — understanding how the healthcare system works, what current health laws protect you, and how insurance plans pay for care is extremely important. To help you avoid unnecessary expenses, here are the key steps you should…