Decoding Health Insurance
Book + Author - Decoding Health Insurance in the US
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A Guide to Demystify the Complicated World of Health Insurance.
In the United States, health insurance is a necessity. Our book helps you understand your options in a complicated landscape, and helps you choose the benefits that are most important for you.
In chapter four of Decoding Health Insurance, writer Lauren Jahnke talks about employment-based health insurance. That’s because after losing their ESI, those workers can either continue on their work-based health insurance, which happens to be very expensive, or they can get a health plan from the insurance marketplace. Financial consultant, Dave Ramsey, wrote that choosing this path, “means you could be paying average monthly premiums of $569 to continue your individual coverage or $1,595 for family coverage—maybe more!” Finally, health insurance enrollment was extended to mid-May (from February). You’ll find information about private health insurance plans, employer sponsored health insurance, and important information about medical plans.
In chapter 3 of Decoding Health Insurance and the Alternatives, author Lauren Jahnke explains how private and public health insurance differ. If you’re interested in learning about different types of health insurance, you have to start at the beginning — the history of health insurance in the U.S. And because these private, individual plans were so much more costly for insurance companies, they eliminated coverage for common medical necessities, like maternity care and prescriptions. You’ll find information about private health insurance plans and alternatives to comprehensive health insurance.
The Affordable Care Act of 2010, or Obamacare, as the bill is colloquially known, reformed health care policy in the United States as we knew it. Here are a few major ways the Affordable Care Act of 2010 transformed the health care system in the United States. In 2021, 15 states operate their own individual health insurance marketplaces; 6 states rely on a platform developed by the federal government; and citizens of 30 states can purchase health insurance from the marketplace developed and maintained by the federal government. According to Jahnke, “The only issue is that adding more benefits and protections inevitably causes the price of health insurance to go up as insurance companies pay for more health care, so it’s a double-edged sword that is very difficult to adequately resolve.
So we spoke with certified business mentor, Dr. Alan Hulme-Lowe, to try to understand how SBOs can find a mentor and how to know when you’ve found the right person. But anyone who’s interested in being a mentor should have a look at the bios of existing SCORE mentors and assess how he or she compares. SCORE is the country’s largest network for volunteer small business mentors, with more than 320 chapters across the nation. The Small Business Association (SBA) district offices partner with local organizations, like the Small Business Development Center (SMDC), the Veteran’s Business Outreach Center and the Women’s Business Center, to mentor and counsel entrepreneurs.