If Not Now, When?
It's that time of year again – the annual KFF Employer Health Benefits Survey reports that average premiums for employer-sponsored health plans increased to $18,764 for families and $6,690 for individuals:
Waiting for a Raise
![Pompeii Resident [(c) William Lawson]](https://ehop-production.s3.amazonaws.com/uploads/article/picture/b40ab74d-f28d-475c-ad28-076077daf07c/pompeii-resident%40800w-3eec1648_large.jpg)
Rising healthcare costs need to be understood as the most important financial issue affecting the middle class. This slow, inexorable squeeze and subsequent pressure on jobs and income must be released. The St. Louis Fed helpfully illustrates the volcanic...
Leaving the Death Spiral
![By Alain R [Public domain], via Wikimedia Commons](https://ehop-production.s3.amazonaws.com/uploads/article/picture/022934db-4b37-4039-8bc2-b56422031ace/black-hole-ab141047_large.png)
According to Aetna CEO Mark Bertolini:
Obamacare is in a "death spiral" and more insurers will flee in 2018. There isn't enough money in the ACA today as it is structured – even with its fees and taxes – to support the population that needs to be served.
Hearing that there's "not enough money" in the Affordable Care Act may come as a surprise to individuals and businesses that have watched their premiums increase over the past few years. Is there another option?
Opting Out?
When your employer offers you health care insurance, one of your options is to simply not sign up. Millions of Americans have made that choice, even as the Affordable Care Act has been fully implemented. Why?
In 1988, the average individual health...