What Is Long-Term Care Insurance?Whether a business owner purchases it to offer a valuable employee benefit, or an individual uses it to protect an elderly parent, long-term care insurance (LTC) is coverage designed to help pay for extended medical and non-medical services that would otherwise be paid out-of-pocket. In 2007, 8 million Americans were protected with LTC, with $3.5 billion in long-term care claims paid, according to the American Association for Long-Term Care Insurance (AALTCI).While some LTC insurance plans cover nursing home care, other plans provide coverage for a range of services including care in an adult day care center, assisted living, and formal or informal in-home care. LTC insurance plans pay benefits to you and anyone else you designate, such as a spouse, parent, or child. Depending on the policy, it will either pay a fixed amount or reimburse you for services provided.Do I Need It?Similar to homeowners, health, and auto insurance, LTC insurance helps protect you, your loved ones, and your assets. When an elderly person falls ill and lacks insurance, the burden to pay for medical care often falls on family members – and that cost can be substantial.Considering the emotional struggles that result when a loved one requires this type of care, the last thing you’ll want to think about is a steep financial burden as well, and LTC insurance plans help you avoid this added stress.How Does It Differ From Disability Insurance and Health Insurance?Medical insurance and disability insurance do not protect you and your family in the same way that long-term care insurance does. In fact, health insurance plans typically cover only 30 days of recuperative time, whereas LTC insurance plans often cover two years or more.Although disability insurance replaces your salary in the event of an injury, it fails to cover ongoing medical care. Medicare is even more restrictive, reimbursing you on average only 28 days, with a maximum of 100 days.How Much Does It Cost?Premiums vary, depending on your age and health conditions when you purchase the policy, as well as the amount of coverage you desire. Although the cost of care in nursing homes and assisted living facilities varies from state to state, the average yearly cost of a nursing home in 2010 reached $80,850, according to Long Term Care Insurance Tree.This represents a significant expense for many families, so it’s best to be prepared. Purchasing LTC insurance at a younger age is a smart idea, considering that you are likely to be healthier and receive a lower premium. However, the AALTCI reported that only 33 percent of all Americans who apply for this type of insurance apply at the age of 55 or younger.Coping with a parent, spouse, or child’s illness is never easy, but long-term care insurance can help protect you and your family. Contact your independent insurance agent to find the best policy for your family’s specific needs.
Choosing the right long-term care insurance may be the most important retirement planning you do. You hope as with all the other types of insurance you purchase you will never need to use it. The difference with long-term care insurance is that there is a much greater chance of using it than your homeowners, auto or even a catastrophic health event. Statistics indicate that more than half of 65-year-olds today will need long-term care at some point in their lives. So, if you purchase a long-term care insurance policy, there’s a very good chance that someday you will use it.Let’s take a look at what long-term care insurance will do for you as well as your family. This type of insurance covers care for someone who needs help with basic tasks of daily living like bathing, dressing and eating. With long-term care insurance, this type of help can be provided in your home. Long-term care insurance is not just “nursing home” insurance as many people think. Most long-term care policies cover the costs of assisted-living facilities, home care, in addition to traditional nursing home care.Today, less than 15% of long-term care is in a nursing home. Having long-term care insurance is just what you need to keep you out of a nursing home so that you can receive care at home. Don’t most people want to stay in their own homes with their families as long as they can?Long-term care is expensive. According to MetLife’s Mature Market Institute, nursing home care runs an average of $213 a day or $77,745 a year, an assisted living facility is approximately $2969 a month , home health aides $20 a hour, homemaker/companions $18 an hour and adult day services $64 a day. The fact is that worse than needing long-term care is not being able to afford it.It is important to consider that you may not need long-term care for maybe 20-30 years. With this in mind you need to consider the rate of inflation and how much long-term care will cost at the time you will begin receiving care. In twenty years, $213 a day will be $564 a day. So you may have the funds to cover the expense today, but will you have enough to cover the cost of care twenty or thirty years from now.Long-term care insurance plans provide inflation protection which allows for the increased costs in the future. It is highly recommended that you include compound inflation protection in your plan unless you are purchasing a plan in your 70′s or older. Long-term care insurance seems expensive, but compared to what? You can easily save a great deal if you buy a policy while you’re younger and and in good health. If your health is poor, you may not qualify for long-term care insurance at any price.It is important to consult with a Long-Term care Specialist who is independent and shows no bias toward one company or another. He/she will be able to guide you to the company that will provide you the best coverage at the best rate. Don’t forget to ask for the discounts that you qualify for like marital or partner discount, preferred health and applying together as couple’s discount.
Finding family health care insurance is important. Without health care
coverage medical bills often become expensive. In family health care insurance
there are many different types of coverage for different needs. There are ways
to save money in the process of finding affordable family health care insurance.Research the many different carriers of health care insurance. Make sure to
target what your families’ medical coverage needs are and then research the
different carriers to see if their policies fill those specific areas. Some
policies may be less expensive but they may not cover the needs of the entire
family. Family health care insurance is sometimes covered by the parents through
their employers. If this is the case make sure the coverage is able to take care
of the insurance needs of the entire family. Also make sure to review your
policy periodically as insurance policy add-ons will raise the price of the
premium and they are not always needed.In comparing insurance carriers do not necessarily go through an insurance
agent. There is little regulation in the pricing of insurance in most states and
the premiums can vary widely between different insurance carriers. Policies tend
not to be standardized in dealing with the coverage or the price. Therefore the
premium that is the lowest cost might not be the best deal.Many major insurance companies offer discounts if you have more than one policy
through their company. For example if you have a home, auto, or life insurance
policy inquire if you qualify for a discount for a health insurance policy.When carrying an expensive policy with great coverage and the lowest deductible
it may not be the best option. By paying a higher deductible it can then lead to
lower rates and you can also combine a deductible that is higher with a Health
Savings Account (HSA’s) for a greater benefit. Health Savings Accounts also
offers tax deductible features.
While Oklahoma long term care insurance may not always come cheap, it is a bargain compared to the cost of paying for your long term care without it. The key to getting an affordable OK long term care insurance (LTCI) policy is to buy it early when premiums cost less and before health conditions develop.If you are looking for coverage later in life, there are still some things you can do to reduce your rates. You will want to consider them carefully and weigh the options against the security of full coverage. Hopefully these four points will help you find the balance that is right for you.1. Choose a longer elimination period. The elimination period is comparable to a deductible in auto insurance. The longer the elimination period or deductible, the less the insurance will cost. An elimination period can be anywhere between 0 and 100 days. However, this means you will have to pay the expenses for those first days of care. Consider how much of an elimination period you can afford as it can cut your premium cost significantly.2. Look for a lower daily benefit. The cost of private nursing home care averages about $150 per day. If you chose a benefit that pays just $100 per day, you could lower your premiums. If needed, you could make up the difference with social security, pension funds or savings.3. Consider contracting for a shorter period of coverage. The average nursing home stay is just over one year with only between 4 and 7 % of stays lasting longer than five years. Choosing a period between three to five years coverage instead of lifetime coverage. The savings can be considerable.4. Ask about joint policies. Again, like auto insurance, long term care insurance companies offer discounts for having more than one policy with the company. If you have to choose which spouse to insure, consider the fact that women statistically have a longer live expectancy than men.When comparing OK LTC companies, be sure to get quotes from at least three different companies and compare similar policies. Comparing policies and rates on line can save a significant amount of time and effort, and you can get started right now. The more quotes you compare then the more of a chance you have of finding the cheapest Oklahoma long term care insurance rates!
If you’ve never had the “privilege” of nursing the sick elderly, you may not understand the importance of long term care insurance. If you’ve never been close to someone who needed custodial care for a protracted period, you may make light of this. But you shouldn’t treat this lightly.1) People are living longer thanks to medical science. This means that a greater number of people will live to be so old they’ll need some form of custodial care.2) Sickness that makes it compulsory that you get custodial care may strike (Unless you’re immune to sickness like me).3) Providing long term care without insurance can really eat away your entire life’s savings.There are several reasons why people choose not to buy long term care insurance. Top among these is a lack of understanding of the risk involved. However, For most who would have chosen to get a policy, the biggest challenge is what it would cost them. That is, the extra cost.If you belong to this group here’s what I recommend (I’m assuming you already have auto and home insurance)…Take out time to visit at least five quotes sites. Get and compare quotes for both your auto and home policies (and other policies if you have others). Also get quotes for long term care insurance from all these sites.Compare the quotes you get for the best price/value.This process will take you around 3 minutes per site per insurance policy. But, I’m glad to inform you that if you do this well, you’ll most likely get enough savings to totally pay for it without changing your insurance budget. Remember, getting quotes is free. And, they are no-obligation quotes. Start now. No, don’t put it off till tomorrow. Tomorrow never comes.
It is very necessary to get enough information on your auto insurance since it is a requirement for every car owner in every state. If you do not get enough information, you would be a ready candidate for rip offs. Here are some information to note.Lets look at four major types of auto insurance policies.First, we would look at liability insurance. This auto insurance policy covers against damage to other people’s property as a result of an accident caused by you. You however take care of whatever damage to your car.There is also collision coverage. This policy covers against damages to your car even if you are at fault in the accident.
Next, we would look at comprehensive auto insurance coverage. This policy, as the name implies has a much broader coverage including coverages for collision, fire, theft etc. The specifications of your policy could differ from person to person depending on your request and coverage needs.There is also the personal injury coverage which takes care of injuries sustained during a crash whether you were at fault or not.These different policies can be customized to suit each customer. You could decide to have all the possible coverage. Just know that it all adds up in your premium. So do not be under covered neither should you have a coverage you don’t need.When shopping for affordable auto insurance coverage, it is necessary that you have a good knowledge of what affects your rates. There are quite a number of them but we would only look at two.Your deductible. A deductible is amount of the amount claimed that you choose to pay out of your pocket when you make a claim. If you choose a low deductible, then you would pay a higher rate but if you choose a higher deductible, then you would pay a lower rates.Another point is paying annually. When you choose to pay your premiums annually, you save your insurers some administrative cost and also make more money available to them upfront enabling them to invest your funds. This makes them prefer annual payments thereby they reward you with a discount.You need to take the time to shop around for the insurer that best meets your needs. To do this, simply get free quotes from several insurers. In fact, you can simply go a free quotes site and after filling out their online form, you get quotes from several insurance companies this save you a lot of time and helps you towards getting an affordable auto insurance coverage.
Plan to renew your car insurance. Think again. There could be better option in your hand, if you look around carefully.With auto insurance rates going down every year, it is always a wise move to look around for some new insurance policy before you decide to renew your old policy. But it has been found the consumers have saved nearly 40 percent of the amount by buying new auto insurance as prices are getting slashed everyday.It is always important to do some car insurance comparison before you finally decide whether you can’t to continue with your present policy or opt for a new one. There are several companies offering auto insurance online, but there are some factors, which one should study carefully to get the best car insurance rates.First and the foremost factor is the risk factor. Insurance companies are here to do serious business so they won’t take anything for granted. Risk analysis is their primary task and if the risk is high then you might end up paying a high premium.Insurance companies try to strike a balance between risk and price. In fact risk directly affects the pricing of the insurance plan. Generally car insurance companies keep low coverage amount so that the premium is affordable for clients. You might be paying a low premium, but the coverage the company is providing doesn’t cover the full car. It can prove dangerous and instead of saving money, you will be end up paying a huge amount as repair cost.It is a general perception among drivers, that they are immune against accidents and they will never face any problems while driving on roads. This a completely wrong notion because it is not necessary for accidents to take place due to your fault. You may suffer due to rash driving and negligence of other drivers.So it is always better to have a full and comprehensive insurance coverage of you car rather than digging a deep hole in your pocket.The best place to shop for auto insurance is the Internet. You would get several companies offering their auto insurance online and also the best rates. The Internet will also allow you to do a bit of auto insurance comparison that will give you the details of the plans each company is offering. Try to get as much quotes as possible so that you can get a wide base to select your car insurance.
For many people buying insurance is a no-brainer. What I mean is most people tend to think in limited terms about what insurance they really need. 98% of people who purchase insurance purchase whatever policy is recommended by the agent or by the policy seller.And a good 90% of those people have no idea if it is truly the coverage they need. We as an insurance buying society have become complacent about how we buy insurance. Only when disaster strikes and that insurance is needed, do most of us find out we were faulty in getting the proper policy to cover our needs sufficiently.Here’s the deal, insurance companies are in the business of making money, not giving it away. They gamble that when you buy insurance, they will collect premiums for a very long time and never ever have to pay you a dime in claims, that’s the dream scenario at least for the insurance company. In the real world, disaster does strike, and accidents do happen, and your insurance company knows that especially well. And just like the big Las Vegas casinos they manipulate the game rules so the odds are in their favor. If you think that’s not true, you need to read carefully the fine print exclusions on any number of insurance policies you might now carry.Companies don’t make it easy for you to understand what the terms of a given policy are, by design. They make note of key points early on in the policy, then the language of the policy becomes very legalistic in its grammar. Outlining many situations and circumstances where by being met, your policy will not cover your peril.For example, some auto insurance policies will cover your auto for hit and run damage provided that damage was committed in public access areas such as city streets or parking areas. But they will not cover such damage if it occurred in a private parking lot or garage.Here’s a big one we ran into not long ago. A homeowner ran a small internet business from her home, selling nick-knacks out of an office she set up in her basement. A computer she purchased to keep track of the business with, caught fire and caused moderate damage to the home. When the insurance company found out she was running a small business, (by their terms a commercial enterprise) from her home, they refused to pay any and all claims related to the damage the computer had caused which was in the tens of thousands of dollars.Here is the real kicker to this story. Six months prior to the damage, the woman and her husband had gone into see the local insurance agent, to increase their coverage, so the office furniture and computer equipment they had purchased would be covered. They even had to put a special rider on the policy to cover the computer and laser printer she would be using in her business. All the information was out in the open, not hidden, the agent was totally aware of the intended use of the equipment he was insuring and where it would be used. Yet the insurance company was vindicated in refusing to pay the claim because there was a commercial use exclusion clause in the original policy, which took precedent over any rider that did not explicitly insure the property for commercial use.So you see it is very important for you to know what is and is not covered in the policies you purchase. Unfortunately most times we never get to see the actual policy until after we have purchased it, often not for many weeks after when we get the actual policy in the mail from the company. Sadly few of us ever actually take the time to read completely the policy we do get. Generally because the language used is too complicated to understand, so we rely on the trust that we have in the agent or company who sold us the policy.Something that might help and is perfectly legal is to have the agent agree to and sign as part of the policy a statement of policy understanding. That is, you as the purchaser of the policy outline what you believe is covered by the policy as stated to you by the agent. Adding the statement of understanding does not in any way limit or add exclusion to an agreed upon policy. What it does is target specific areas of coverage that are supposedly defined in the policy. And by this statement the agent and or the insurance company is agreeing with you that these specific items are covered within the policy to be issued.Ok, let’s say you tell the agent that you will be running a small internet based business from your home. Put that on the paper. You tell him your kids have a trampoline in the back yard (trampolines are a big issue, make no mistake) and you believe by what you have been told that these perils are covered under the insurance policy you are purchasing. Include any and all items you can think of that might be obscure in your insurance needs, and add them to the list.Include a statement that your agent acknowledges these items and areas of coverage, and then have him sign and date it, and you do the same. Have it attached to the policy; make a copy for your records. If the agent tells you there is no need for the statement, that everything is covered, be cautious. If everything you listed is covered, there should be no reason that the agent would refuse to sign it. If the home company feels the items you listed were not covered by policy design or exclusion they will make note of it and add riders (adding cost as well) to your policy or they will simply deny the policy when it is reviewed. But you are still bound legally for coverage until official notice is received one way or the other about your coverage. In any event you will know where you stand.Insurance companies don’t like these types of tactics, but if more of us did things like that, it would become increasingly difficult for companies to hide exclusions that exonerate them from having to pay claims.It’s difficult to cover every peril we will face in life, but with a little common sense we can learn to spot those things in our own lives that might require some special insurance attention.
Many people think the very idea of affordable health insurance is an impossibility. And it’s small wonder when over 50% of all families in New Jersey admit that paying for health insurance is a severe burden on the family budget and almost 17% of all New Jersey residents are without health insurance of any kind because they simply cannot afford to pay the monthly premiums.There’s no denying that health insurance is expensive, however, if you have children 18 years of age or younger and they are not covered by any health insurance there is a good chance that they (and possibly even you) can qualify for super low-cost health insurance through a state program known as New Jersey Family Care. You can learn more at http://www.njfamilycare.org/Fortunately for the rest of us there are several steps you can take to help reduce the cost of your health insurance and possibly bring it down to an affordable level.We’ll start with the two most difficult things first. Stop smoking and lose weight. If you smoke or use any form of tobacco (such as chew) you will never get truly affordable health care in New Jersey – or anywhere else for that matter. This is simply a fact and there is no getting around it.The same goes for being overweight. While it may be even more difficult to lose weight than it is to stop smoking, if you are overweight you have one advantage over the smoker – all you need to do is to lose a little bit of weight and you may slip down into a lower price-bracket for your insurance coverage and that could save you hundreds of dollars each year.There is one possible way around losing weight and stopping smoking and that is if you can find a group health insurance plan that doesn’t exclude smokers or people who are overweight. Obviously your employer is the first place you think of when it comes to finding a group health plan, but even if your employer doesn’t offer group health coverage you may still be able to qualify through an organization you belong to – such as Kiwanis, or Key Club, or the Elks or Masons or even many churches have a group health insurance plan for their members. Start looking around and asking questions.Don’t participate in dangerous or extreme sports or hobbies of any kind. If you go out of your way to put your health at risk you certainly can’t expect to get the most affordable health insurance.If you have other insurance policies, such as life insurance, or homeowner’s insurance, or auto insurance combine all your policies with the same company. Doing so should give you a rather nice Multi-Policy Discount on your health insurance.If you’ve had a health insurance policy with the same company for at least 5 years ask about a Long-Term Policy Deduction. Every little bit adds up!What is your current percentage of co-payment? Many people pay a 20% or 25% co-payment each time they visit a doctor’s office. If you can increase your co-payment to 50% that will save you a considerable amount on your monthly health insurance premium. Obviously this strategy works best for people who do not see their doctor on a regular basis.When was the last time you adjusted your deductible? Obviously changing your deductible must be a careful decision and must weigh many considerations, but if you can afford to increase the amount of money that you are willing to pay each year out of your own pocket for your health care before you bother your insurance company to kick in, then you can save money on your premium payment each and every month.So now you know how to put together a health insurance policy that will save you the most money possible right from the start. But were not quite finished yet.Now you need to take that “super” policy you’ve just created and compare the cost of that policy from every insurance company that offers health care insurance in New Jersey. Take your time and make your comparisons on at least 3 different online websites dedicated to finding the best price for health insurance in New Jersey.If you’ll make your comparisons on at least 3 different websites then you can feel certain that you have seen prices from as many different insurance companies as possible and you can take the lowest price and know that you really have gotten the most affordable health insurance in New Jersey.
When most of us hear the word, “insurance” our eyes glaze over and our mind starts to get fuzzy. Insurance, specifically health insurance, is complicated and confusing, and most self-employed people prefer to delay having to think about it… until it’s too late.In this article, small business owners and insurance providers across the country offer their advice on how to keep health care costs down for the self-employed. Remember, no matter which path you take, insurance costs can be tax-deductible as a business expense!High Deductibles Increase Your Monthly Cash-FlowErik Lehtinen of Integrative Wealth recommends high-deductible plans to bring down the monthly cost of insurance premiums. The higher your out-of-pocket expense for any kind of claim, the lower your monthly rate will be. This is true with any health-care plan, no matter where you sign up.To further decrease costs, if you are able to forego preventative or maternity care and just receive catastrophic insurance for emergencies, your premiums will be much lower as well.Catastrophic Insurance (High-Deductible Health Plan — HDHP)Catastrophic Insurance is just that: for emergency use only. If you get the sniffles, or want a cosmetic procedure, chances are you won’t be covered. However, if you get mauled by a lion at the Zoo, or otherwise encounter an accident, the insurance will cover the necessary expenses. Each company that offers catastrophic insurance has it’s own guidelines, stipulations, and requirements, so be sure to read through your plan thoroughly and ask questions.Barry Maher is a self-employed speaker that prefers his catastrophic plan. Although it has a $5200 deductible, it allows him to have a Health Savings Account for non-emergencies. This way, he can use his HSA for minor illnesses, and to pay the deductible of the HDHP in the case of a true emergency.Health Savings Accounts (HSA)Health Savings Accounts are available to those who enroll in a catastrophic, high-deductible health plans (HDHP). Money deposited into a HSA is not subject to federal income tax at the time of the deposit, and funds roll over year to year if they are not spent. These funds can only be spent on qualified medical expenses, but they come without federal tax liability or penalty. This also includes medications with a doctor’s prescription. If you are collecting federal or state unemployment, you can use your HSA to pay your health insurance premiums.If, at some point, you lose your HDHP insurance, you’ll still have access to your HSA, but won’t be able to contribute additional money to it. In the case of death, you can name a beneficiary.Using Auto-Insurance as Catastrophic InsuranceTalk to your car insurance provider to see what kind of medical benefits they offer if you get into an accident. This option is good for people who live a healthy life, but want to be protected while out on the road. Beware: even if you get hospital coverage and loss wage coverage due to an accident, this type of insurance won’t help you if you get an illness. This is purely accidental coverage.Generally, auto insurance coverage applies to the injured, no matter who was at fault. Additionally, automobile medical insurance can pay for, partially or completely, your health care insurance premiums. Medical payments through an auto insurance plan typically over doctor visits, hospital visits, surgery, x-rays, EMT and ambulance fees, nursing services and care, prostheses as well as funeral costs.Health Insurance Through MembershipsThose who are self-employed can seek insurance benefits through a variety of membership organizations. These organizations pool together their resources and are able to get discounts on premiums and care that individuals don’t have access to.Members CU, a Credit Union based in Traverse City Michigan, offers a variety of health, auto, and life insurance to its members. If you’re currently a member of a credit union, check to see if they offer similar benefits. (It’s another great reason to move your money from big banks!)The National Association for the Self-Employed offers group health benefits for its members, as does the A.A.R.P.The Alliance for Affordable Services represents nearly 80,000 individuals and small business owners nationwide and provides discounts on legal, health, and personal financial services.Additionally, Mary Ratliff (Nine Hour Films) found that an artistic organization, Fractured Atlas, provided great resources and two helpful brochures that break down insurance issues and terminology specifically geared towards the freelance artist. You can view those brochures at: http://www.fracturedatlas.org/site/healthcareGet the discount!You may be surprised how many low-cost and free options are available to you, without getting on the government’s dole. For example, many dental schools offer free or reduced-cost cleanings, exams, and procedures.Bartering allows you to trade your businesses goods and services with other members of a bartering club. If you offer graphic or website design, you could trade that with a chiropractor or ophthalmologist for health services.These bartering services could be run through your local chamber of commerce, or you could sign on with a national organization like The International Reciprocal Trade Association or the National Association of Trade Exchanges. Craigslist is another place you can find people to swap services with under the “Barter” heading.Amy Rose Herrick, ChFC, was successful with this method stating, “We have used a barter network to pay for about $10,000 braces on two children. We’ve also bartered for general dental cleanings, crowns and fillings for another perhaps $3,000 on services used.”Also, many doctors and clinics offer discounts to patients who pay cash, instead of go through their insurance provider. You just need to ask!”I have found that my doctors offer lower fees for self-paying patients (at least half of what they charge insurers)” discovered Becky Meyers of Magnolia-Sky “Additionally, my pharmacy signed me up for discounts through programs they have, which has saved me a bundle of money on prescriptions, two of which I take on an ongoing basis.”Finally, take advantage of the daily deal sites. Many times you’ll see chiropractic adjustments, massages, dental visits, and health-club memberships at deep discounts. Health care isn’t just about protecting you when you’re sick, but keeping your body in optimal shape to prevent illness in the first place. Groupon, Living Social, and Amazon Local all offer daily deals on a wide variety of products and services.Thoughts about the upcoming Health Care ChangesWe’ve already seen some changes coming with the new health care laws. Specifically, children can now stay on their parent’s insurance until the age of 25, and those with pre-existing conditions will no longer be denied coverage or care. Additionally, insurance providers are now required by law to spend at least 80% of the premiums they receive on health care. This means, if more than 20% of the premium you pay the insurance company goes to overhead, advertising, profits or other costs, you will then get a check in the mail refunding the difference, as Barry Maher has already experienced:”The new health care law has already put money in my pocket, generating several rebates from my insurance company (because they expended too high an percentage on overhead) and it also expanded the coverage. And obviously it should make purchasing insurance easier for the self-employed, many of which currently can’t even buy health insurance because of pre-existing conditions.”Unfortunately, we won’t really see the full effects of the new health care laws on entrepreneurs until 2014 and beyond. We can speculate on its effectiveness, but we won’t truly know until we get there. Most entrepreneurs, including Stacy Spensley, (Centerstage Wellness) are optimistic:”My hope with the health insurance changes that are coming is that premiums will fall once more people buy in to make health care more affordable for all Americans. As a health coach, my goal is to help people need less medication and health care in general, so more people only need insurance in case of emergencies. The more we can avoid preventable disease, the better for all of us.”Need more information? Visit The National Association of Insurance Commissioners (NAIC) website: Insure U for Small Business. They provide helpful information and tips about insurance for owners of small companies and home-based businesses.