Ask Colleen King

When dealing with Individual Health Insurance, depending on your personal health history, it can be dicey to apply because you don’t know whether you’ll be accepted or not and if you are, and are offered coverage at an above standard rate, will it be affordable? Depending on your situation there are some options in California, Continue reading →

I always feel bad for people who find health insurance confusing–the things that really make it hard to understand, most people don’t even encounter. Most initial questions revolve around ‘what’s a deductible?’ Right after ‘what’s the difference between an HMO and a PPO (see my other post about that). When evaluating a health insurance plan, Continue reading →

Health insurance is never a simple thing, but the things that really make in complicated (in my mind) most people never encounter. The difference between an HMO and a PPO is pretty simple, but NOT if you don’t deal with it regularly. Health Maintenance Organizations (HMOs) are where you select a primary care physician (PCP) Continue reading →

Health Savings Accounts (HSAs) have been around since 2004 and grew out of the Archer Medical Savings Account pilot. Initially, there weren’t a lot of trustees that handled HSAs. But NOW, four years later, since people have figured out there is money to be made, most banks and more credit unions are offering them as Continue reading →

Group health insurance is a HUGE discussion in California. It has been over the past 2-3 years as concerns rise over the uninsured. As well as the cost of health care–wow, it’s all exploding. The beauty of small group health insurance (2-50 employees) in California is that when a company is set up within certain Continue reading →

Health Insurance is one of the most annoying things people have to deal with–when looking at it for the first time for themselves. When you have a job that offers coverage, you have to figure out what plan (if there’s more than one), whether to add your family, and that’s usually about it. When looking Continue reading →