Health Insurance: How Did We Get Here?
with No Comments

After over a decade of broken promises and rising costs, our need for a more sustainable healthcare system is acutely felt.

The Lie Of The Century
with No Comments

This lie was PolitiFact’s 2013 lie of the year, but we dub it the lie of the century.

The Best Way to Plan for Inflation is to Discount It
with No Comments

By discounting portfolio returns to only real returns, we have already considered inflation in the planning targets.

How the Wealthy Can Take Advantage of Health Insurance Subsidies for 2023 Onward
with No Comments

You may be surprised by the amount of subsidies you can receive.

The Pitfall of ‘Buy Term and Invest the Difference’?
with No Comments

With life insurance salesmen, life insurance often becomes the hammer and any client concern a nail.

How to Self-Insure for Long-Term Care Health Expenses (2022)
with No Comments

Saving for long-term care, if done early enough, is not too expensive and helps to protect yourself from this potential financial shock.

Study Helps Track Long-Term Care Cost Options
with No Comments

We are very thankful that Genworth has released this information freely for everyone to use.

Even The Premium is Risky in Long-Term Care Insurance
with No Comments

Add this to the list of reasons to avoid long-term care insurance and strive to self-insure.

Radio: Health Insurance Subsidies and Inflation
with No Comments

On Tuesday, November 9, 2021, David John Marotta appeared on Radio 1070 WINA’s Schilling Show with Rob Schilling to talk about health insurance subsidies and inflation.

How to Calculate Your Possible Health Insurance Subsidies
with No Comments

If you are already shopping for health insurance for 2022, consider getting an on-exchange health insurance plan. You may be surprised at how much subsidies you can receive.

How the Wealthy Can Take Advantage of Health Insurance Subsidies in 2022
with No Comments

If you are currently shopping for health insurance for 2022, consider getting an on-exchange health insurance plan. You may be surprised at how much subsidies you can receive.

How to Self-Insure for Long-Term Care Health Expenses
with No Comments

If you save this target, your assets have a better chance of seeing you all the way to the end.

How to Budget for Emergencies: Trip to Hospital
with No Comments

This is the financial shock of a trip to hospital. It is upsetting, expensive, and unexpected.

Where to Get a Second Opinion on Your Insurance Policy
with No Comments

If you ask, the broker will gladly tell you how much of that type they’d recommend getting, but not whether you need it in the first place.

A Guide to HSA Qualified Medical Expenses, Contributions, and Family Plans with Adult Children
with No Comments

More and more family plans are actually composed of many different independent people in the eyes of the government.

My Family’s Year Without Health Insurance (2018)
with No Comments

My husband chopped his leg with a hatchet in 2018 when we didn’t have health insurance.

The Cheapest Way to Get a Family HSA (2018)
with No Comments

A few often overlooked facts reveal large annual savings on your health insurance premiums in acquiring a family HSA.

Why Do People Hate Immediate Annuities?
with No Comments

If you are one of those consumers for whom the word “annuity” is enough to make them tune out a sales presentation, congratulations! You have have probably correctly understood the real challenges these products face.

Spam Solicitation from Albemarle Insurance Agency
with No Comments

Albemarle Insurance Agency’s hiring solicitation shows the difference between insurance salesmen and fee-only fiduciary advisors.

Radio: Charlottesville 2018 Health Insurance
with No Comments

“When Congress acts, whatever it is called it will do the exact opposite. So the Affordable Care Act will make plans not affordable.”

Obamacare in the Upcoming Tax Cuts and Jobs Act
with No Comments

We’ve been waiting to see what our congressmen and women are going to decide for our 2018 tax law. As we’ve already entered the holiday season and can see the new year in sight, they are certainly cutting it close. … Read More

How to Apply for a Health Insurance Exemption
with No Comments

Coverage is considered unaffordable if the lowest cost Bronze-level plan available to you through the Marketplace in 2017 is more than 8.16% of your household income.

Should I Cut Back My Hours to Get an Obamacare Subsidy?
with No Comments

It’s hard to know… but I bet I’m not the only one looking at my compensation differently.

Should I Switch to a Health Care Sharing Ministry?
with No Comments

Some think the alternative to the traditional insurance providers is the health care sharing ministries, but they aren’t insurance.

When Partial-Year HSA Contribution Limits Don’t Apply
with No Comments

Under the “last-month rule,” you can contribute the full amount even after a partial year assuming you meet the “testing period.”

Qualified HSA Funding Distribution
with No Comments

There is an obscure tax rule that allows a one-time Traditional IRA-to-HSA conversion called a Qualified HSA Funding Distribution (QHFD).

Nine Unfortunate Facts of Health Savings Accounts
with No Comments

An HSA is one of many accounts used in comprehensive wealth management for tax optimization and planning.

How Much Umbrella Insurance Do I Need?
with No Comments

Umbrella insurance covers you for liability that goes above and beyond your auto and homeowners insurance.

Do New Healthcare Plans Cost More?
with No Comments

Last year plans were being cancelled. This year, citizens are receiving notifications of rate hikes in the double digits. Is this really happening?

Cryptic Medical Bills And Health Insurance
with No Comments

Next time you receive an unintelligible medical bill, remember how hard it is for your doctor to get paid.

How To Bilk Obamacare
with No Comments

Learn how a family of four can qualify for a full subsidy with an income of $140,000 a year.

Does Buy Term and Invest the Difference Still Work?
with No Comments

Imagine these two strategies competing in a track race. It’s as if one runner were told to wait until the other finished her first lap before beginning.

How Much Life Insurance Does a Parent Need? ($ ?s)
with 5 Comments

Some suggest using ten times your take home salary as a rough rule of thumb when determining life insurance. Like all such rules, this rough guide is found lacking in many situations.

$ ?s: Maintaining Health Insurance After Losing Your Job
with 2 Comments

Review your health insurance options after losing your job – COBRA and High Deductible Health Plans.

Obama Care is Costing Americans $384 Billion More Each Year
with 1 Comment

The “Patient Protection and Affordable Care Act” (PPACA), is misleadingly named. It has neither protected patients nor made healthcare more affordable.

Video: The Dangers of Immediate Fixed Annuities
with No Comments

The returns offered by immediate fixed annuities aren’t as good as they sound. The sleight of hand in this case is the immediate loss of 100% of your principal. They are fixed for you to lose and the insurance company to win.

Umbrella Insurance Could Be the Right Answer
with No Comments

If you have a personal umbrella insurance policy, congratulations. If you don’t, you must not have a lot to lose. This important insurance can extend your liability coverage beyond your home and auto insurance by millions of dollars.

ObamaCare Is the Worst Legislation in 75 Years
with No Comments

Everyone in our risk pool will order filet mignon. First the costs will skyrocket. And then the meat will be rotten.

The Case Against Centralized Health Care
with No Comments

You may have to jail a few rebels for health insurance evasion.

A Compromise to Achieve Universal Coverage
with No Comments

We need a safety net, not a hammock.

More Profitable Health Care Is the Solution
with No Comments

Some doctors start the year $250,000 in debt.

Avoiding a Civil War over Health Care
with No Comments

Half of the country are political Vikings who pay their taxes by raiding and pillaging the productive.

Life Insurance: Determining Your Need
with No Comments

Avoid debt and don’t burden your family with any expenses after you are gone.

Immediate Fixed Annuities Part 3 – Additional Questions
with No Comments

Lottery tickets are also a good deal, if you win – otherwise it is just a tax on people who can’t do math.

Immediate Fixed Annuities Part 2 – Immediate Fixed Annuities – The Hidden Risks
with No Comments

Because you can’t change your mind, and you can’t spend your money ahead of time, the best use of an immediate fixed annuity is to protect you from yourself. Call me wild and crazy, but this is not the risk I am worried about.

Immediate Fixed Annuities Part 1 – Immediate Fixed Annuities Aren’t Really “Fixed”
with No Comments

The returns offered by immediate fixed annuities aren’t as good as they sound. The slight of hand in this case is the immediate loss of 100% of your principal. They are “fixed” for you to lose and the insurance company to win.

Long-Term Care Insurance Is Too Risky And Too Expensive
with No Comments

Some types of insurance are a good idea. But LTCI is better handled by preparing early in life.

Like what you read? Subscribe to our newsletter!