Latest News

  • HMO vs. PPO: What’s the Difference Between Them?

    Two types of health plans are HMO and PPO. Which is right for you? Let’s start by looking at HMO vs. PPO: What’s the difference between them?

    April 25, 2022
  • Does Arizona Have a Health Insurance Penalty?

    The ACA individual mandate is still federal law. Some states still impose a penalty for being uninsured. Does Arizona have a health insurance penalty?

    March 31, 2022
  • Health insurance for early retirees in Arizona

    When you retire from your job before turning age 65, you will likely lose your group health insurance coverage. You will then need to find a new health insurance plan to cover you until you qualify for Medicare. You may have a number of options to choose from when selecting a health plan. The best

    September 9, 2021
  • Open Enrollment for the 2022 Arizona ObamaCare health insurance plans begins soon

    Beginning November 1st, you’ll be able to purchase any of the Arizona ObamaCare (Affordable Care Act) health insurance plans that you desire. For the 2022 Open Enrollment season, Arizona residents will have more choices than before. United HealthCare will now be offering ObamaCare plans to Arizona residents. Other 2022 health insurance carriers offering plans in

    July 29, 2021
  • Health Insurance Terms & Terminology: Out-of-Pocket Maximum

    When having to use your health insurance, there are a few different terms you’ll want to be aware of and how they relate to your specific plan. Those terms are deductible, coinsurance, and out-of-pocket maximum (OOP). While you’re most likely familiar with a deductible, as it’s similar to the deductible you have on your auto

    July 3, 2021
  • Health Insurance Terms & Terminology: Coinsurance

    One of the more confusing aspects of health insurance is coinsurance. If you’re used to auto insurance being used as an example of how health insurance works, coinsurance would be a foreign topic as it’s unique to health insurance. There are two primary methods that health insurance companies employ to help keep your monthly premiums

    June 15, 2021
  • Health Insurance Terms & Terminology: Deductible

    Similar to your automobile insurance deductible, your health insurance deductible is a fixed dollar amount that must be met before benefits are paid. Deductibles have ranged over the years from zero all the way up to $10,000. Under the Affordable Care act, the deductible for an individual in 2021 cannot exceed $8,550. For a family,

    June 9, 2021
  • Affordable Care Act Plans in Arizona Now Available through Aug. 15 Under Special Enrollment Period

    President Biden recently created a special open enrollment period for Americans interested in purchasing an ACA plan (aka Obamacare) plan in Arizona. The special enrollment period also provides for considerably higher tax credits, making the monthly out-of-pocket costs for the plan relatively low. For example, a Lehrman Group agent recently sold a Blue Cross Blue

    May 20, 2021
  • Is Aetna launching Obamacare plans in Arizona in 2022?

    In 2016, the health insurance company Aetna announced that they would no longer offer Affordable Care Act (Obamacare) plans in 11 states, including Arizona. At that time, Aetna cited hundreds of millions of dollars in losses as the reason they needed to withdraw from the federal insurance exchange in 11 of the 15 states where

    May 5, 2021
  • Which prescription drugs are covered by Obamacare health insurance in Arizona?

    Depending on which part of Arizona you live in, Affordable Care Act plans (aka Obamacare) are available in 2021 from the following companies: Ambetter, Blue Cross Blue Shield, Bright Health, Cigna, Oscar Health, and United Healthcare. All of these options are available in the Phoenix/ Maricopa county area. In the Tucson/ Pima county area, the

    April 26, 2021