Blue Shield in Nevada When moving to a new state, one thing you should consider is how your health plan will cover you. Many California residents have been asking themselves this question when moving to Nevada. There are very specific circumstances where a plan that you purchased in California will still provide you with coverage… Read More


HSA Plans and Deductibles Many people I speak with often focus on the deductible of the health insurance policy they are considering. The deductible can often be used to determine how rich or “good” the plan is. While this can often be the case, many people can be easily confused by HSA plans. These plans… Read More


Is Losing Coverage Due to Nonpayment a Life Event? The short answer: no. Generally, losing coverage because you did not pay your monthly premium is not considered a qualifying life event. There are quite a few different life events that allow you to purchase health insurance midyear. While these life events are designed to help… Read More


Purchasing Health Insurance on Your Own It may have been quite a while since you last shopped around for health insurance. The majority of Americans receive their coverage from their employer or have Medicare coverage. For those leaving their job, moving to a new area, or losing coverage some other way, looking for a new… Read More


Health Insurance After Open Enrollment The open enrollment period is often a stressful time for many individuals. This is compounded by the confusing health insurance industry that is in a constant state of change. With new plans, premiums, and regulations, it can be very difficult to find a plan and get enrolled before the deadline.… Read More


How Do HSA Plans Work? I often have clients ask to see plans and prices for HSA eligible health insurance plans. Usually, the idea to shop these plans comes from a friend or colleague that explains that HSA plans are the way to go. Another source is the attractive low deductibles that HSA plans have.… Read More


Avoiding ACA look-alike Plans This will be the first year Nevada residents will not be able to purchase a plan outside of open enrollment. Due to this requirement, many people that missed the deadline on December 15th may feel pressured to find something to cover medical expenses. This will, unfortunately, lead to individuals enrolling in… Read More


Difference Between Private and Subsidized Insurance As a health insurance broker here, I am often the first stop for people looking for new health plans. Many people are either newly eligible for different coverage, left their employer, or moved here recently. It has often been years since many new clients have shopped around for insurance… Read More


What Is Coinsurance One of the most misunderstood topics of insurance is coinsurance. This is a term that describes your cost-sharing for a health plan. Insurance is certainly not an easy topic to understand. Terminologies such as deductibles, copays, premiums, networks, and others can quickly confuse the average consumer about what they are buying. With… Read More


Health Insurance That Is Not Recommended There are numerous types of policies that someone can find and purchase that cover or claim to cover health-related expenses. When searching, you will likely come across qualified health insurance plans and other policies that seem like health insurance. Understanding the difference between these can help save you from… Read More