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Discover Latest #Health insurance News, Articles and Videos with Contenting
Health insurance is a type of insurance coverage that pays for medical and surgical expenses that are incurred by the insured. Health insurance can reimburse the insured for expenses incurred from illness or injury, or pay the care provider directly. It is often included in employer benefit packages as a means of enticing quality employees. The cost of health insurance premiums is deductible to the payer, and benefits received are tax-free. Health insurance can be purchased through many different sources. Private health insurance plans are typically purchased through a broker, an insurance company, or an employer. Public health insurance plans are provided by the government, such as Medicare and Medicaid. Some employers provide health insurance as an employee benefit. Health insurance plans typically cover a portion of the costs of doctor’s visits, hospital stays, prescription drugs, and other medical expenses. Most plans also have limits on the amount of coverage they will provide. Out-of-pocket expenses, such as co-pays and deductibles, may still be the responsibility of the insured. When searching for health insurance, it is important to compare plans to ensure that you are getting the best coverage for your needs and budget. Questions to consider include the types of services covered, deductibles, co-pays,
5 Takeaways From Health Insurers’ New Pledge To Improve Prior Authorization - KFF Health News
Dozens of health insurance companies pledged on Monday to improve prior authorization, a process often used to deny care. The announcement comes months after the killing of UnitedHealthcare executive Brian Thompson, whose death in December sparked widespread criticism about insurance denials.
Thune Says Health Care Often ‘Comes With a Job.’ The Reality’s Not Simple or Straightforward. - KFF Health News
Sixty percent of Americans have health insurance through their own workplace or someone else’s job. But not all employers provide health insurance or offer plans to all their workers. When they do, cost and quality vary widely, making Thune’s statement an oversimplification.
What Could the Health-Related Provisions in the Reconciliation Bill Mean for Older Adults? | KFF
The Trump Administration and Congress are moving quickly to pass legislation that could have significant implications for health coverage of older Americans. The House-passed reconciliation bill awaiting action by the full Senate, known as the One Big Beautiful Bill, includes several provisions that would affect health insurance coverage and well-being of older adults ages 50 and older, including those who are covered by Medicare.
In a First, Trump and GOP-Led Congress Prepare To Swell Ranks of U.S. Uninsured - KFF Health News
Fewer Americans will likely have health insurance, compromising their physical and financial health, as the Trump administration and GOP-controlled Congress weigh major changes to the Affordable Care Act and Medicaid. “The effects could be catastrophic,” one policy analyst predicts.
How Affordability of Employer Coverage Varies by Family Income | KFF
This analysis looks at the share of family income people with employer-based coverage pay toward their premiums and out-of-pocket payments for medical care. The cost of employer sponsored health insurance—including premiums, deductibles, and other out-of-pocket costs—has risen steadily over time.