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Regards,
​
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678-654-9500

PS: The Expected Benefits Plan is currently available in AL, AR, GA, IA, KY, LA, MI, MS, NE, OK, SC, TN, and TX. Coming soon to AZ and NC.

Don and Debra Clark of Springfield, Missouri, are glad they have health insurance. Don is 56 and Debra is 58. The Clarks say they know the risk of an unexpected illness or medical event is rising as they age and they must have coverage.

Don is retired and Debra works part time a couple of days a week. As a result, along with about 20 million other Americans, they buy health insurance in the individual market.

But the Clarks are not happy at all with what they pay for their coverage — $1,400 a month for a plan with a $4,500 deductible. Nor are they looking forward to the Affordable Care Act's fifth open enrollment period, which runs from Nov. 1 through Dec. 15 in most states.

Many insurers are raising premiums by double digits, in part because of the Trump administration's decision to stop payments to insurers that cover the discounts they are required to give to some low-income customers to cover out-of-pocket costs.

"This has become a nightmare," said Don Clark. "We are now spending about 30% of our income on health insurance and health care. We did not plan for that."

Continue reading this story on CNN....

Health care spending in the United States increased by about $933.5 billion between 1996 and 2013, according to an analysis published Tuesday in the medical journal JAMA. More than half of this surge was a result of generally higher prices for health care services.

Joseph L. Dieleman, lead author of the study and an assistant professor at the Institute for Health Metrics and Evaluation at the University of Washington in Seattle, gathered information on 155 separate health conditions and six possible treatment categories: inpatient, outpatient (hospital), emergency services, dental care, prescriptions and nursing facilities.

The researchers also analyzed changes in five factors -- population size, aging, disease incidence, use of services, and service price and intensity -- as they relate to health care spending in the study period, 1996 through 2013.

"Intensity of care" refers to service variety and complexity. "It's the difference between a relatively simple X-ray as a compared to more complex MRIs and other forms of diagnostic services," Dieleman wrote in an email.
The analysis resulted in four main takeaways about why US health care costs rose.

Read more at CNN....