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ISU Insurance Services -Davidson Group Blog: health

View the latest blog posts from ISU Insurance Services -Davidson Group.

Many people (41%) spent 15 minutes or less researching their health insurance plan options during the 2013 open enrollment period, according to a survey. That's far less time than they take on other major purchases. READ MORE >>

The mortality rate in Massachusetts declined substantially in the four years after the state enacted a law in 2006 mandating universal health care coverage, providing the model for the Affordable Care Act. In a study released last week, Harvard School of Public Health professors Benjam... READ MORE >>

It's a decision many baby boomers are grappling with: Should I buy long-term-care insurance? The decision has never been more difficult. According to researchers at Georgetown University and Pennsylvania State University, about 70% of individuals 65 and older will need long-term care—whether at home or in an assisted-living facility or nursing home. READ MORE >>

Does your pay stub include the cryptic three-letter code LTD with a tiny dollar amount that’s deducted each pay period?  It stands for long-term disability insurance, and it pays to have it to provide for your family when you can’t work because of an injury or an illness like cancer. READ MORE >>

If you’re responsible for a portion, if not all of your health insurance costs, you are well aware of the price tag that comes with the territory. While you can take the easy way out and sign up for the cheapest and most streamlined health insurance policy, you could end up contributing to your out-of-pocket costs considerably. READ MORE >>

Dr. Richard Victor, executive director of the Workers Compensation Research Institute (WCRI), likens the impact of health care reform to a hurricane. Like a storm whose path is not quite defined, health care reform could take a significant toll – but we don’t know precisely where. READ MORE >>

The cost of automobile insurance, workers’ compensation coverage and general business liability insurance could drop by as much as 5% thanks to the Affordable Care Act, according to a new study. Though the health law doesn’t cover cars or workers compensation, new analysis by RAND Co... READ MORE >>

Insurers consider a dizzying number of factors in determining premiums, so it's often challenging for consumers to understand why they're paying higher rates than their neighbors or co-workers. "All the consumer can do is ask questions when they buy insurance and get comparison apples-to-apples q... READ MORE >>

If you’re among the millions of people who have struggled to find affordable health insurance, you might be delighted to hear the Affordable Care Act, now up and running, will offer dozens of insurance plans at reasonable prices. But, believe it or not, fewer choices might actually encourage more people to sign up. READ MORE >>

It may seem like a clever idea to save yourself cash by not purchasing health insurance, but with Obamacare kicking in, you’ll have penalties to pay, which could cost you big bucks in the long run. Not only are you playing financial Russian roulette – you could be forking out tens of... READ MORE >>

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