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Deadline is Near in the Hudson Valley To Enroll In Health Insurance

Tomorrow, February 15, 2015 is the deadline and the end of the Open Enrollment Period for 2015 to enroll in health insurance under the Affordable Care Act for people living in the Hudson Valley and across the US.   If someone is not covered by health insurance in 2015,  they will face a penalty by the Internal Revenue Service when they file their 2015 taxes.  The 2015 penalty for remaining …Read More

Health Insurance Enrollment Deadline is Near — February 15, 2015

The national deadline to enroll in a new 2015 individual and family health insurance under the federal Affordable Care Act (ACA)’s Marketplace  is February 15, 2015. Enrollment by Feb 15th will begin insurance coverage as soon as March 1, 2015. However, if you have a change of your family status (marriage or birth of a child) or if you loose employer health insurance coverage after Feb 15th , you will …Read More

Check your Health Insurance Networks in the Hudson Valley

Residents in the Hudson Valley and others throughout the State are hurrying to sign up for health insurance by March 31, 2014 to avoid paying an IRS penalty on their 2014 tax return. When you are looking at different insurance plans on the New York State of Health exchange web site, look carefully at the network of hospitals and medical doctors (called providers) that are listed. These networks generally offer …Read More

The “What’s If’s” on your Whole Life Insurance Policy

You have been paying the premium on your whole life insurance policy for a number of years. Some unexpected medical bills or a college tuition has come up where you can use those dollars than paying for a life insurance policy. You have three alternatives options. These options are called your policy’s nonforfeiture options. These options are: 1. Cash surrender value — you will receive a lump sum check from …Read More

Long Term Care Insurance — Just Got Less expensive for Some

At least two major long term care insurance carriers (John Hancock and Genworth) have begun to change how they price their coverage for men and women. Today these carriers have generally lowered the premium for men and significantly raised the premium for women.  A healthy age 55 male (assuming a new first time purchaser) may see a 15 percent decline in premium over last year.  A similar woman may see …Read More

Affordable Care Act 101: Our Nation’s New Health Insurance Plans

The major parts of the Affordable Care Act will become effective on January 1, 2014.  The heart of the law (passed in March, 2010) calls for ten mandatory services (called Essential Health Benefits) that must be in all new health insurance plans for individuals and small employer plans (under 50 employees) sold by participating health insurance companies. These ten benefits are: 1.  Outpatient Care – most health insurance plans have …Read More

Medicare Choices: End Your Confusion Here

There are three groups of Americans who are eligible for Medicare.  The largest group are people who turn age 65, then followed by people who have been collecting Social Security disability benefits for two years.  Lastly, if you have end stage renal disease (kidney failure), you will be also eligible for Medicare benefits. Medicare has two options for eligible consumers. One option is to select Medicare Part A (hospital insurance …Read More

Flexible Spending Accounts- Just Got Better!

Flexible spending accounts (FSA) that are linked to employer sponsored health insurance plans (i.e. HMO or PPO) just got better.  Now employees who use FSAs will be permitted to carry over up to $500 of their unused plan balance to the next year.  FSAs permit employees to set aside pre-tax dollars in the beginning of each year to pay for out of pocket expenses like deductibles or co-payments. In the …Read More


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