Category: Insurance
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With most private insurance, covered emergency care cannot cost more than in-network sharing
An emergency room outside a private health plan’s network generally cannot turn a covered emergency into out-of-network cost sharing. For most private insurance, the No Surprises Act limits the patient’s copayment, coinsurance and deductible treatment to the in-network level. The protection does not make emergency care free, and federal exceptions—especially ground ambulances—still matter. Emergency services…
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Car insurance prices fell 2% in June after a 1.7% May drop
Two consecutive declines in the national motor-vehicle-insurance price index are a welcome break after years of sharp premium increases. The index fell 2% in June following a 1.7% May decline. That does not automatically lower a policyholder’s next renewal, but it gives households a reason to test whether insurers are competing more aggressively for their…
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Some direct-primary-care fees up to $150 monthly can now be paid tax-free from an HSA.
A monthly primary-care membership used to create a tax problem for some health-savings-account users. Beginning in 2026, a qualifying direct-primary-care arrangement no longer automatically blocks an otherwise eligible person from contributing to an HSA, and HSA money can cover qualifying periodic fees tax-free. The change is narrower than a blanket approval for every medical membership.…
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Flood Insurance: Why Homeowners Policies Don’t Cover It
Standard homeowners insurance excludes flood damage. Here’s how the National Flood Insurance Program works, what it covers, and why the 30-day wait matters.
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Term vs. Whole Life: The Difference in Plain Numbers
Term life rents coverage for a set period; whole life buys it forever at a much higher premium. How each works, per the NAIC and state insurance guides.
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Raising Your Deductible: What It Saves You
State insurance regulators say moving from a $500 to a $1,000 deductible can cut premiums up to 20-25%. The break-even math, and when it backfires.
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Auto Insurance Discounts You Can Ask For Today
Insurers offer discounts for bundling, low mileage, safe cars, good students and more, but many only apply if you ask. Here is the list to run through.
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Renters Insurance: What $15 a Month Actually Buys
The average renters policy costs about $14 a month by NAIC data, and covers far more than furniture. What it pays for, what it won’t, and how to buy it.