2016-03-19 18:53
HSA for America is hosting a new Health Care Reform webinar on July 9 at 7 pm EST. Long-time health savings account expert Fred Adams will answer live questions about how leading private hea… Read More
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Interested in discussion on our nations current health care reform. Visit our Real Health Care Reform Blog to read and comment on different ideas.
2016-03-19 18:53
You may have seen the headlines, such as this one from the Washington Post:
“California’s likely health insurance rates under new law are lower than expected”
… Read More
2016-03-19 18:53
In President Obama’s recent budget proposal, he proposed capping tax-favored retirement accounts at $3 million. No contributions would be allowed if the account value is over thi… Read More
2016-03-19 18:53
Everyone has an angle or bias. Here is mine: I want to take this complicated topic of healthcare reform, and distill it down so you can understand to what it means to you. I&rsqu&hell…Read More
2013-04-05 10:11
The Affordable Care Act (ACA) states that health insurance deductibles will be lowered to $2,000 per person, or $4,000 per family, in group plans. But a deductible that low would change the… Read More
2013-04-01 10:00
I’ve been talking for a long time about how rates are going to be going up as the “Affordable” Care Act gets further implemented. And gradually, the truth is coming into cl… Read More
2013-03-30 04:54
Many people have heard there will be 20 new taxes under Obamacare. But the actual amount of new taxes and regulations is 47.
These include penalties on employers who don’t offer… Read More
2013-03-08 14:56
The official name of the health care reform legislation that President Obama signed into law in 2010 is the Patient Protection and Affordable Care Act. This has led many to believe tha… Read More
2013-03-05 11:11
One of the promises of the health care reform laws that take effect starting in 2014 is that people can no longer be declined or charged more because of pre-existing health conditions. … Read More
2013-03-04 10:00
There has been concern and confusion over whether HSA plans will still be available in 2014, and at what deductible level.
The answer is Yes, HSA plans will remain available. De… Read More
2013-02-17 10:06
As I’ve discussed before, the Affordable Care Act is going to (perhaps ironically) cause health insurance to become less affordable for most people. One way insurance companies m… Read More
2013-02-13 10:33
The past few years, we have seen low price increases on medical care, with costs growing less than 4 percent a year over the past three years. Though various political groups may… Read More
2013-02-09 10:52
Grandfathered plans may be the most misunderstood part of health care reform. If you bought a policy before health care reform was enacted, it’s not subject to all the new mandates. Th… Read More
2013-02-05 11:49
Health care reform has been implemented in phases beginning in 2010, but major reforms are still to come in 2014. Unfortunately, the incoming system is going to make many problems worse, inc… Read More
2013-02-01 10:43
It’s 2013 and the economy isn’t where we’d like it to be. And, health care costs are “through the roof.” So, what can business owners do?
A Health… Read More
2013-01-28 12:53
With taxes increasing this year, it’s time to get the most in tax deductions and two simple things can help you do that: Health Savings Accounts and Health Reimbursement Arrangements… Read More
2013-01-22 14:19
When talking about health care reform, there are still areas about the law that are filled with uncertainties. Below are the five commonly asked questions about the Affordable Care Act… Read More
2013-01-18 13:15
With all state’s health insurance exchanges supposed to open this October, there’s speculation about which states will be late. And, that may depend on which route your state off… Read More
2013-01-14 13:05
Whether health insurance offered to full-time employees is deemed to be affordable is critical to determining if employees are eligible for premium tax credits. That also affects wheth… Read More
2013-01-10 13:50
1. How do you know if your business is subject to the employer mandate?
The threshold for compliance can be determined with this formula, which you calculate on a monthly basis:
 &hell…Read More
2013-01-06 15:05
With 2013 just around the corner, how will the mandates of health care reform affect your business, and what do you need to change about the way you provide health care benefits? Here are an… Read More
2013-01-02 14:49
The health care reform law, according to the Congressional Budget Office (CBO), tends to increase health insurance premiums for people who are young and healthy. According to the CBO, health… Read More
2012-12-29 15:23
Today, you have access to plans catastrophic plans with high deductibles, but many such plans will disappear in 2014. Fortunately, catastrophic plans with more limited benefits will still be… Read More
2012-12-26 18:38
Unfortunately, we expect health insurance premiums to take substantial jumps over the next year or two. Since everyone will be required to carry approved coverage, the potential impact… Read More
2012-12-18 11:59
If you think that the election marked the end of the health care reform debate, then you will be surprised to find out that the decisions that affect your coverage are still being debated.
… Read More
2012-12-14 10:57
A lot of attention has been focused on the requirement to be insured in 2014, but a couple a big changes are coming much sooner.
Flexible Spending Accounts Will Be Worth Less
A… Read More
2012-12-11 12:42
Under federal regulations, businesses are prohibited from directly paying for employees’ individual health insurance premiums and medical expenses without the use of an HRA (Health Rei… Read More
2012-12-08 10:26
Preventive care is covered under the health care reform law, but for women, the question being posed is who will provide this care: general practitioners or ob-gyns? While men usually have a… Read More
2012-12-07 11:17
If you are a business owner, you have plenty to do simply running your business. Do you also have to be in the health insurance business? With ObamaCare requirements, it is going… Read More
2012-12-03 12:29
With the election behind us, there’s more certainty about the direction of health care reform, but it’s not over yet. State officials got an extension. They have until December 1… Read More
2012-11-30 10:46
The all-too-quickly-approaching deadline is approaching for state officials to declare whether they’ll run an exchange for their state of let the feds do it.
This deadline has a… Read More
2012-11-26 10:30
Provisions of the Affordable Care Act require health insurance in all states to cover at least ten broad categories of health care. Doctor appointments, maternity care, and prescription drug… Read More
2012-11-22 14:46
The Patient Protection and Affordable Care Act, also known as Obamacare, was signed into law in 2010. It was upheld by the Supreme Court in June 2012. However, the mandates of Ob… Read More
2012-11-19 14:28
The provisions of the Affordable Care Act will be kicking in starting in 2014. Small business owners are now doing a lot of research on how to avoid taking a severe tax hit from the la… Read More
2012-11-16 10:16
The Patient Protection and Affordable Care Act enacted in 2010, has faced numerous protests both from the citizens it wants to protect, as well as the employers who are supposedly to benefit… Read More
2012-11-14 10:40
With years of double-digit rate hikes pumping up the cost of providing employees with group health insurance coverage, a solution is long overdue. More and more small businesses are struggli… Read More
2012-11-12 10:57
If your business requires more than 50 workers, you have a decision to make about the approaching health care reform changes. The Affordable Care Act is on track to enforce a penalty f… Read More
2012-11-09 10:21
The 2010 health care reform law does not mandate employers to provide health care coverage to their employees. However, starting January 2014, large employers will have to face penalti… Read More
2012-11-06 10:26
Because of the health care reform law, some owners of restaurant chains such as Red Lobster and Olive Garden are hiring more part-time employees in an experiment to lessen their health care… Read More
2012-11-02 10:07
The passage of the Patient Protection and Affordable Care Act, or Obamacare, has earned countless protests from employees and employers alike. Employees, both contractual and permanent… Read More
2012-10-29 16:03
The number of uninsured people that will be affected by the enactment of Obamacare come 2013 is roughly about six million. Most of these uninsured individuals cannot qualify for regula… Read More
2012-10-26 13:25
Since the Patient Protection and Affordable Care Act, also known as Obamacare, was signed into law by President Obama, it has already created a lot of buzz. If you try to look it up in Googl… Read More
2012-10-23 10:21
Despite the federal government spending $1.68 trillion on health care, it is still not enough to provide health care coverage to every American. About 30 million Americans still remain witho… Read More
2012-10-19 10:10
Obamacare is said to be socialized health care. When it was passed into law in 2010, its purpose was to give the uninsured health care access that they have been denied due to extremely high… Read More
2012-10-16 16:16
Based on studies and researches by various organizations, the health care reform law could hugely impact the young and healthy especially if all the mandates of the law are implemented in Ja… Read More
2012-10-12 16:10
Supporters of Obamacare, also known as the Patient Protection and Affordable Care Act, are proposing to impose a global cap on private and public health care spending in order to solve the b… Read More
2012-10-09 14:43
Under the Patient Protection and Affordable Care Act by President Obama, states must have at least one functional health insurance exchange by January 1, 2014. Failure to do so would m… Read More
2012-10-05 15:36
By 2013, employers are expecting another increase in health care costs. As predicted, it will be another seven percent increase just like this year. Because of the rising cost of… Read More
2012-09-28 12:44
This year we’ll see a lot of changes in the healthcare system due to the Affordable Care Act. The Supreme Court finally made a decision regarding the constitutionality of the law… Read More
2012-09-25 12:39
Despite the promises of the health care reform law by President Obama of reducing the number of people without health care coverage and decreasing health care spending, it still does not cha… Read More
2012-09-21 10:13
Attending college is an exciting time in one’s life full of challenges, and one of them has often been getting a health insurance plan. Most colleges and universities require the… Read More
2012-09-18 10:07
Medicare will go bankrupt a few years from now. And, by that time, the federal government could not provide the current health care benefits received by Medicare beneficiaries. W… Read More
2012-09-14 11:45
According to critics of the Patient Protection and Affordable Care Act, also known as Obamacare, it needs an alternative vision if it wants to fix the health care system of our country. Here… Read More
2012-09-11 10:52
With the failed attempt to overturn Obamacare last June, the controversial individual mandate and the state-based health insurance exchanges will likely be in force by January 1, 2014. The p… Read More
2012-09-06 13:13
If more and more doctors continue going part-time, retiring, or simply quitting medicine, this will really create a problem. Doctors are considered the captain of the ship when it comes to p… Read More
2012-09-02 09:55
When President Barrack Obama passed the Patient Protection and Affordable Care Act into law back in 2010, some congressional leaders immediately opposed the law. Aside from the individual ma… Read More
2012-08-29 03:03
According to Congress’ nonpartisan budget scorekeepers, supporters of Obamacare, the health care reform law would decrease the federal budget deficits over the next decade. Based on th… Read More
2012-08-25 02:47
Ever since the Patient Protection and Affordable Care Act of President Obama was made into law, it has stirred opposition in Congress. Why is this so? Perhaps, personal motivations are… Read More
2012-08-21 09:50
Over the years, the number of HIV-positive patients has dramatically increased. HIV is a condition wherein the individual’s immune system is weakened making them easily susceptible to… Read More
2012-08-17 09:44
Sad but true, there are a lot of mentally ill patients who do not have health care coverage. Mental illness is considered a pre-existing condition by insurance companies. As we all know, whe… Read More
2012-08-13 05:06
The Congressional Budget Office (CBO) and the Joint Committee on Taxation just recently released the updated cost estimates on the health insurance provisions of the Patient Protection and A… Read More
2012-08-09 05:01
The Charles Schwab Corp. says that health care stocks will increase due to Obamacare now that the U.S. Supreme Court decided to uphold the law. So how will health care stocks climb from the… Read More
2012-07-11 06:24
Less than two weeks after the Supreme Court decided to uphold the Patient Protection and Affordable Care Act (ACA), also known as “Obamacare”, GOP proposed to repeal the healthca… Read More
2012-07-09 17:55
The healthcare law was recently ruled to be constitutional by the Supreme Court, based on Congress’ power to levy taxes. And boy do they plan to levy…
The tax that… Read More
2012-06-28 15:22
The healthcare reform law known as Obamacare, though extremely unpopular, has been ruled constitutional by the Supreme Court. Unfortunately, this is going to mean higher costs a… Read More
2012-06-01 15:35
The jobs report that came out today showed that only 69,000 new jobs were created in May. (Of those, 5 were created by HSA for America.) But more importantly, this was a d… Read More
2012-05-03 21:01
Have you ever wondered why health insurance is purchased by the employer? Our car insurance or homeowner’s insurance isn’t provided by employers. Employer-provided h… Read More
2012-04-27 19:00
Many students are having complications with their student loans due to an obscure provision of ObamaCare that prevents private firms from participating in the student loan program.
&n&hell…Read More
2012-04-17 04:48
There is confusion among many who believe that more government involvement in healthcare will lower costs. Even when they purport to believe in a free-market economy, they claim… Read More
2012-04-11 14:49
An AP article out today tries to claim that the Supreme Court may have a misunderstanding about the healthcare law. “During the recent oral arguments, some of the justices… Read More
2012-04-10 15:25
Recently the Congressional Budget Office announced that ObamaCare would cost $1.76 trillion through 2022, roughly twice the original CBO projection of $938 billion when Congress passe… Read More
2012-04-06 22:34
Whether Obamacare is declared constitutional or not, there are still serious problems with our health care system. As John Cochrane points out in this piece in the Wall Street J… Read More
2012-03-30 18:43
Today the supreme court justices all got together, sat around a table, and told each whether they think PPACA is constitutional.
They’ll then write opinions, vote again… Read More
2010-07-23 21:13
Well, we head to see this one coming.
128 Democratic representatives have cosponsored H.R. 5808 to establish a government run public option within the health insurance exchange… Read More
2010-06-16 04:49
Propaganda is not always easy to recognize. If you are not real familiar with the subject, it could just look like good unbiased information.
According to Wikipedia, “Pro… Read More
2010-06-06 18:10
Health and Human Services Secretary Kathleen Sebelius had asked U.S. District Judge roger Vinson for an extension on the deadline to respond to a joint lawsuit filed by 20 states, cha… Read More
2010-05-28 18:31
20 states are now involved in constitutional challenges to the new health care law. On Monday, the Secretary of Health and Human Services, Kathleen Sebelius, asked a federal judge to… Read More
2010-05-20 17:05
I doubt if too many people in the know are surprised that the CBO has released a report showing that the new health reform law, the Patient Protection and Affordable Care Act, is goin… Read More
2010-05-06 21:41
The House Energy and Commerce subcommittee is taking up several bills on health care pricing. One requires Medicaid programs to disclose charges for hospital services to their enrolle… Read More
2010-04-23 20:14
John Oxendine has sent a letter to Secretary of Health and Human Services Kathleen Sebelius, notifying her that he would not be implementing the Federally mandated high-risk insurance… Read More
2010-04-21 22:25
The IRS has begun mailing millions of postcards to small businesses, to promote the tax credits they may be eligible for if they provide health insurance to their employees.
It… Read More
2010-04-21 19:08
Several companies in the individual health insurance market currently offer 2 or even 3 year rate guarantees. But with the increased costs facing insurers in the wake of the new healt… Read More
2010-04-12 19:30
Suffolk Superior Court Judge Stephen Neel has promised to rule by close of business today on whether or not insurance companies in the state can move forward with planned rate increas… Read More
2010-04-09 23:09
Health care reform is now the law of the land, and here are some of the upcoming consequences for people who purchase their own individual health insurance
On Sept 23, there ar… Read More
2010-01-29 05:23
Last night, President Obama, you asked for a better approach:
“If anyone has a better approach that will bring down premiums, bring down the deficit, cover the uninsured… Read More
2010-01-26 08:16
We really can make health care and health insurance much more affordable for everyone. We can have a system that provides access to health insurance, and increases quality, convenienc… Read More
2010-01-21 16:07
The people in Massachusetts have the most expensive health insurance rates in the country (the average family pays more than $13,000 a year). They also have the longest waits to see a… Read More
2009-12-17 05:41
It is not surprising that the country is against the current health care reform proposals. Do they really think we want higher taxes, higher insurance premiums, more government, more… Read More
2009-12-14 16:12
In the health care debate in the Senate, they are considering letting people age 55 to 64 years old to buy into Medicare. This is being called a “compromise” that would be… Read More
2009-12-08 20:50
As would be expected, there are plenty of tricks in the Senate health care bill. Take those out, and the actual cost somewhere around $4.9 trillion over the next 20 years, although of… Read More
2009-12-02 04:46
Today the Senate health committee voted 12-11 in favor of a two-page amendment courtesy of Republican Tom Coburn that would require all Members of congress and their staffs to enroll… Read More
2009-11-30 23:45
Every American should have the right to choose how to maintain and improve his or her health.
We are at a defining moment in our country’s history. If a bill similar to t… Read More
2009-11-25 01:35
Here is an email I received from my Senator today:
Friend—
In conversations with Coloradans across our state, many people have asked me exactly what reform means f… Read More
2009-11-24 19:02
On Saturday, the Senate got 60 votes in order to clear a procedural huddle, and begin debate on the Senate reform bill, known as the Patient Protection and Affordable Care Act.
… Read More
2009-11-21 00:53
Listening to the radio tonight, I heard a senator say that the so called public option will “inject competition” into the marketplace, to drive down prices. If they are su… Read More
2009-11-17 00:10
Its interesting watching the healthcare debate. The biggest problem is the runaway costs, yet the current proposals do little if anything to reign in spending.
Of course, polit… Read More
2009-11-11 17:30
When Medicare was first enacted in 1965, men had an average life expectancy of almost 70 years. So the average guy received Medicare benefits for 5 years.
Now the average male… Read More
2009-11-11 16:31
Learn how your HSA-qualified plan must be effective no later than December 1st in order to qualify for a 2009 tax deductible HSA contribution (which could reduce your April 15th taxes… Read More
2009-11-06 16:26
The Congressional rush continues towards a reckless takeover of healthcare. Nancy Pelosi is hoping to schedule a vote for tomorrow at 6 pm. It is certain that she will get zero Republ… Read More
2009-11-02 23:30
On Friday I called my Congressional representative Betsy Markey. I wasn’t able to speak directly to her, but I did get a call back from her representative, and we had a nice lon… Read More
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