A TRUSTED INDEPENDENT HEALTH INSURANCE GUIDE SINCE 1999.
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Medicare & Medicaid

Medicare & Medicaid

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ACA open enrollment: what’s new for 2025
Open enrollment for 2025 ACA (Affordable Care Act)-compliant health insurance is just around the corner. Let’s take a look at the various changes that consumers should be aware of this fall.

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How does a health savings account (HSA) work?
A health savings account is a tax-advantaged savings account combined with a high-deductible health insurance policy to provide an investment and health coverage. Deposits to the HSA are tax-deductible and grow tax-free. Withdrawals are always tax-free if they're used for qualifying medical expenses, although they account can be used like a traditional IRA after age 65, with withdrawals subject to regular income tax.

telemedicine

What is telemedicine?

healthinsurance.org health insurance glossary

What is telemedicine?

Telemedicine is an alternative to face-to-face communication between patients and healthcare providers, using telephone or video. Telemedicine helps to ensure access to health care for people in rural and remote areas, and it also makes care more efficient and convenient for patients.

Telemedicine includes real-time contact between patients and their doctors, in-home electronic monitoring of patients with chronic conditions, and electronic access to specialists who can help a local hospital diagnose a patient or come up with treatment options. (For example, a small rural hospital can use telemedicine to connect with a larger, better equipped/staffed hospital in an urban area when analyzing a patient’s symptoms.)

The Affordable Care Act includes provisions to increase the use of telemedicine, but coverage and utilization still varies considerably from one state to another.

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