What is a Pre-Existing Condition? A pre-existing condition refers to any illness or injury you had before enrolling in a health insurance plan. These conditions can range from chronic diseases like asthma, cancer, and heart disease to injuries or illnesses that a...
Retirement planning is a complex process, and everyone’s financial goals are different. There is no “one-size-fits-all” solution. One crucial aspect of retirement planning is accounting for medical expenses, as healthcare needs typically increase with age....
Setting aside money in a Health Savings Account (HSA) can help you financially prepare for medical expenses while also taking advantage of significant tax savings. Unlike Flexible Spending Accounts (FSAs), any unused funds in an HSA at the end of the year roll over...
Affordable Care Act and Cost Sharing Reduction The Affordable Care Act (ACA) offers two types of subsidies to help reduce insurance premiums and out-of-pocket healthcare costs. The first is Federal Premium Subsidies, which is an advance tax credit that lowers the cost...
Open Season for the Federal Employees Health Benefits (FEHB) program an important time for governmental employees. To help you navigate this period, we’ve put together answers to frequently asked questions. If you still have questions, feel free to contact a United...
