by Oscar Zuniga | Nov 27, 2020 | Uncategorized
Life insurance policies can be confusing. There seem to be endless different options, plans, and policies to choose from. You might have simply selected the cheapest life insurance policy because you didn’t fully understand your options. Maybe you selected a pricier...
by Oscar Zuniga | Nov 13, 2020 | Uncategorized
You are probably aware of how smoking can affect your health, but do you know how it changes your health insurance premiums? Determining Factors Health insurance premiums are determined based on five factors: age, location, plan category, number of dependents,...
by Oscar Zuniga | Nov 6, 2020 | Uncategorized
Discovering that you’re going to be a parent can be the most exciting news you’ll receive in a lifetime! But underneath all that joy and excitement is another emotion just as strong: fear. There is a ton of responsibility that comes with bringing your child...
by Oscar Zuniga | Oct 23, 2020 | Uncategorized
Medicare is the federal government that provides coverage to those who are 65+, under 65 and receiving Social Security Disability Insurance (SSDI) for a certain period of time, or under 65 and with End-Stage Renal Disease (ESRD). The Medicare program is funded in...
by Oscar Zuniga | Oct 16, 2020 | Uncategorized
The federal government set up an online insurance marketplace called healthcare.gov. This website was launched in 2013 as part of the Affordable Care Act (ACA). Unless the state creates its own marketplace, citizens will default to using the federal exchange. These...
by Oscar Zuniga | Oct 2, 2020 | Uncategorized
Millennials (young people born between 1981 and 1996) are now reaching a place in their lives where they have to start making important financial decisions, such as when to buy a house or have children. With the average amount of millennial debt rising, it is becoming...
