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Pat Carpenter's Articles in Insurance

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Understanding Health Insurance For Texans Easier Than One Might Think For some people, mention the words "health insurance" and the eyes begin to glaze over. COBRA Problems Can Hurt Texas Residents Texas residents faced with a job loss in Dallas, Houston, Austin, or throughout the state, once had a big problem when it came to health care. Before the advent of federal legislation commonly referred to by its acronym -- COBRA (short for the Consolidated Omnibus Budget Reconciliation Act of 1985) -- Texas Residents Finding Options For Health Insurance Companies looking for ways to cut costs in a competitive marketplace are increasingly looking to health insurance as a source of savings. While that's not good news for employees, it does represent something of a trend -- employees purchasing their own health insurance or filling in the gaps left by workplace budget cuts. More Young Adults Lack Health Insurance Than Any Other Group: Texas Ranks The Lowest In The Country For many of the 13.3 million uninsured young adults in America, it comes as no surprise that their demographic leads those going without health coverage. Getting Engaged? How Should You Handle Health Insurance? When preparing for marriage, many happy Texan couples spend months planning for their special day to make sure it takes place without a hitch. But how many engaged couples put that kind of preparation into sharing a life together, especially when it comes to making sure their existing health insurance policies will adequately cover them both? Insuring Yourself In a Changing Economy It began with phasing company funded retirements out and phasing 401ks in. Now the new trend in corporate America is for employees to purchase their own health insurance benefits. Health Insurance in an Unmarried Relationship Thanks to the gay rights movement and the increase of both unmarried heterosexual and homosexual couples living together throughout Texas and the United States, the workplace trend toward domestic-partner benefits is improving the lives of many committed couples, regardless of sexual orientation or marital status. Medical Bankruptcies The Growing Reality Catastrophic illnesses are claimed to have triggered approximately half of all personal bankruptcies in the United States. According to recent findings from a Harvard University study, most people who go bankrupt because of medical problems also have health insurance. The Ball's In Your Court - Consumer-Driven Health Insurance On The Rise In Texas If you were given just $1,500 to purchase groceries annually, you'd be a lot more careful about how you spend your money. You'd peruse the supermarket flyers, shop around for the best deals, and forgo the more expensive items, like lobster and steak. Pediatricians In Texas Concerned About HDHPs According to a March 5, 2007, Reuters newswire story, pediatricians throughout Texas and the U.S. are warning that new high-deductible health plans (HDHPs) are compromising patient care, especially among poorer children, with the unintended consequence of increasing medical costs. How You Can Reduce Medical Expenses For Texas Health Insurance Health care costs on the rise, but there are a number of ways to lower your medical expenses. Limited Benefit Health Insurance - Is It A Good Deal? These days, everyone is looking for ways to save money. Some have found that buying cheap health insurance is one way to go. And while this has its upside, you should be careful, because you may end up with a health crisis. Texas Health Insurance Basics Health insurance. Everyone needs it, but not everyone has it. And with medical expenses on a seemingly endless rise, paying out-of-pocket for them could land you in the poor house. So when choosing a health insurance plan, it's good to know the basics to help you make better, more financially sound choices when selecting a plan. Pre-Existing Conditions And How They Can Affect Your Individual Texas Health Insurance There are nearly four million Texans with some type of "pre-existing medical condition." Besides having difficulty obtaining health insurance, these Texans may experience other insurance-related problems, including claim denials, higher premiums, cancellations, or refusals to renew their policies. Tax Considerations Of Texas Health Savings Accounts Since Health Savings Accounts (HSAs) were created by the Medicare bill signed into law in 2003 they are being considered by more and more Texans as a health insurance option. Could President Bush's Healthcare Tax Plan Help Individuals? The healthcare insurance tax plan proposed by President Bush is designed to reduce the number of people who do not presently have health insurance - reported by the Census Bureau to be 47 million in 2005, or 15.9 percent of the population. Texas May Be Getting Smart About Health Insurance Cards Every individual who has health insurance in Dallas, Houston and elsewhere in Texas probably has an insurance card that he/she carries in his/her wallet. Politicians in Texas are considering taking this concept one step further by requiring health Health Insurance Options for College Students By the time graduation caps are tossed into the air, high school students will probably have been accepted to a college, picked a dorm and signed up for their courses. But is their health insurance securely in place? Smaller Employers In Texas Opt Out Of Insuring Individuals The U.S. Government Accountability Office recently reported that fewer employers in Dallas, Houston, throughout Texas and the rest of the U.S. are offering health benefits. Texas Hospitals Ask For Help To Make Health Insurance More Affordable And Accessible The Texas Hospital Association (THA) is urging lawmakers in Dallas, Houston and throughout the rest of the state to take the right steps to make health insurance more affordable and accessible to individuals in Texas. The state ranks first in the country in the percentage of uninsured residents (24.6%). Perma-Lancing In Texas, Without A Health Insurance Net For many self-employed individuals in Dallas, Houston and elsewhere in Texas, health insurance is the last thing they can afford. Those who work for themselves often say, "I can't afford to get sick. Period." The term "sick days" isn't even something that crosses their minds, let alone enters their vocabularies. Code Red: Texas In Crisis Over Number Of Uninsured The American populace has been sufficiently bombarded by information on the "health insurance crisis," the "healthcare crisis," the "community crisis." Despite living in a country where everyone is supposedly entitled to equal access, another horrifying and dismal piece of information seems to be released almost everyday on the declining state of healthcare for the uninsured and underinsured, Searching For The Shovel In Texas: The Young Are Digging Themselves Out Of The Healthcare Crisis Perhaps it shouldn't feel like suffering a personal wound when learning about the state of health care coverage in Dallas, Houston and throughout Texas, or anywhere else in this country but it does. In fact, for most of us, it really does. More Small Business Health Insurance Basics In Texas Because premiums, deductibles, copayments, and coinsurance levels for small business group health insurance policies in Texas can vary widely from plan to plan, it pays to shop around. Small Business Health Insurance Basics In Texas Finding the right group health plan for your business can be downright intimidating: sorting through lists of insurance companies and plans; checking and re-checking the dollars and totals for deductibles and co-pays; making sense of plan limitations and exclusions; deciphering a dictionary's worth of insurance-speak. It's enough to make anyone feel like a high-school freshman again. Forming A Private Purchasing Cooperative For Health Insurance In Texas As stated by the Texas Department of Insurance, the Texas Legislature enacted three bills that allow small business employers to form cooperatives for the purchase of employer health benefit plans in Dallas, Houston and throughout Texas. On Your Own - Self-Employment And Health Insurance In Texas There are more than a million individual or family-owned businesses in Texas, and more people are contemplating opening their own business every day. For the small business owner, the same subject always comes up - self-employed health insurance. Keeping An Eye Out For Health Insurance Fraud In Texas Insurance fraud. It happens daily. There are a number of bogus health insurance companies and agents in Dallas, Houston or anywhere else in Texas who will take your money and run. Out On The Edge - The Lack of Health Insurance Benefits For Nonstandard Workers In Texas A 2005 Commonwealth Fund white paper reported on two important trends in the U.S. workforce - the increasing prevalence of workers in part-time, temporary, contract or non-standard positions, and the decline in access to employer-provided health insurance. Why Health Insurance Is Important To Young Individuals In Texas Young individuals in Dallas, Houston and throughout Texas are a pretty healthy group in general, but going without health insurance interferes with their access to the health care system, introduces barriers to care when it's needed, and leaves young individuals and their families at risk for high out-of-pocket costs in the face of severe illness or injury. Mom-And-Pop Shops In Texas Encounter Hurdles When Buying Health Insurance The results of an April 2004 Commonwealth Fund white paper* show that the economics of small business group insurance makes offering health benefits to employees is risky. And The Survey Says - New Numbers Regarding Small Biz And Health Insurance In Texas A 2006 survey, released by the health insurance trade group America's Health Insurance Plans (AHIP), offers a snapshot look at small group health insurance plans throughout Texas and nationwide. Short-Term Health Insurance - What are the Benefits? So you've just graduated from college, don't yet have a job and have just found out that you're no longer covered under your parents' health insurance plan. Maybe you've decided to leave your current job and look for a new one.

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