Ask Colleen King

Health insurance is on everyone’s mind these days–either you don’t have it, can’t get it and want it, you’re upset about what you are paying for it, or you turned on the daily news and there it is, the topic is right in your face again. A Health Savings Account (HSA) is an account that Continue reading →

In order to save money on insurance premiums, many people whether in an individual health plan or group health plan will select a health insurance plan with a higher deductible. They figure they are normally healthy, aren’t going to a doctor very often, so why spend a fortune on health insurance premiums? This is how Continue reading →

In the past couple of weeks, there have been a lot of celebrity deaths reported, but none overpowering the news more than the death of Michael Jackson. I’m not going to debate his talent or lifestyle issues, but it got me thinking. Here is a guy that in one way or another had significant assets; Continue reading →

Health insurance remains one of those things that most people still find confusing. For group health insurance, disclosing your health history helps determine the rates your employer gets. For individual health insurance, it determines not only rates, but whether or not you will even be accepted! Focusing on individual health insurance, all carriers ask about Continue reading →

Here is another term in Health Insurance, both Group Health Insurance and Individual Health Insurance that people don’t always understand. I would have posted this sooner, but it’s been a busy month! (“Help, I don’t understand!”) Coinsurance might be easier read with a hyphen; co-insurance. This is one of the three main questions people should Continue reading →

It’s getting to be that time of year when the four years of college (or five, or six) is about to wind up. At last. That tuition bill is going to be gone and the kid(s) will be out of the house. Then it occurs to mom and dad (not usually to the new grad) Continue reading →

A couple of months ago I did an article on COBRA coverage: how it works, and why you should or shouldn’t take it. Now that there’s a subsidy of 65% for people involuntarily terminated after September 1, 2008, the picture changes somewhat. Depending on how much the 35% you have to pay is, that 65% Continue reading →

It’s so nice to have people that keep you on your toes. Health Insurance questions abound when you ask for topics for this blog. Thanks to Lisa Nicole Bell again, www.adivinebook.com for this one. The plus for you, the consumer, whether it’s for individual health insurance of group health insurance is that the rates are Continue reading →

Once of the best things about getting my insurance license was learning the difference between the two basic types of insurance, which had eluded me for years. Basically there are two types of life insurance and they break down to temporary and permanent. Love this, this should be our ‘real’ security An easy way to Continue reading →

A few weeks ago a delightful young woman asked me about health insurance, and what was good for a young professional or new grad, or people in general under 35. This answer is for you, Lisa Nicole Bell (http://wwwadivinebook.com). You really need to check her site out, she has a lot to offer in these Continue reading →