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3+ hour, 14+ min ago (671+ words) A 36-year-old executive, Yatin Gupta, is re-evaluating his life insurance needs, considering coverage until age 80. However, experts advise aligning the term plan duration with the period his dependents will require financial support, not necessarily the longest available option. The focus should be on meeting financial goals and ensuring adequate retirement planning. Yatin Gupta, 36, is a healthy corporate executive, whose two children are nearly 3 and 1 year old Since their birth, he has been reconsidering his life insurance needs, particularly raising the sum assured and policy term, given his growing financial responsibilities An insurance agent recommended a plan with coverage up to age 80, while other options extend till 60 or 70 Gupta feels it makes sense to choose the longest possible duration, given the uncertainty in life and the higher cost of buying a new policy later He wonders what is the ideal duration…...

3+ hour, 20+ min ago (387+ words) Explore strategies for creating inclusive health insurance that effectively supports the diverse needs of people with disabilities in India....

3+ hour, 48+ min ago (71+ words) The Expiration of Subsidies The Impact on Marketplace Coverage Enrollment Deadline: Monday, January 1 For those who want to secure coverage that starts on January 1, the deadline to enroll in a health insurance plan is Monday. This means that individuals and families must act quickly to select a plan and complete the enrollment process. To make this process easier, we recommend the following steps: " Based on insights from marketwatch.com...

8+ hour, 44+ min ago (221+ words) Mastercard has teamed up with TerraPay to enable contactless payments for digital wallets across its global acceptance network. This will allow users to make near-field communication (NFC) payments at more than 150 million Mastercard acceptance locations worldwide. Wallet providers will also gain access to advanced infrastructure and technology jointly delivered by both companies. TerraPay said the integration will support faster go-to-market while simplifying the launch process through Xend, its global payment interoperability platform. Together, we're bringing true payment interoperability to wallets globally, enabling them to pay at millions of acceptance points and empowering people everywhere to move and pay safely, instantly, and without borders," said Ambar Sur, Founder & CEO, TerraPay. "At Mastercard, we are enabling innovation and global reach for digital wallets, which serve as important drivers of financial inclusion. Collaborations with key ecosystem players like Terrapay play a key role…...

11+ hour, 6+ min ago (1735+ words) In communities with competing hospitals, both Fort Collins hospitals reported positive income, both Greeley hospitals reported losses, and just one of the two hospitals in Longmont and Loveland reported positive net income. UCHealth Greeley saw large increases in patient counts, even higher than the peak of the pandemic. So did UCHealth Longs Peak in Longmont and UCHealth Medical Center of the Rockies in Loveland. UCHealth Poudre Valley Hospital also saw increased patient counts over the five-year period of the utilization summary. An industry under fire, or on fire The Medicaid Hospital Provider Fee reimbursed hospitals $3 billion in 2023 for treatment of low-income Coloradans, the CHA said. It also paid $476 million for uninsured patient care and $148 million for Medicaid administration expenses. The CHA noted that when 575,000 Coloradans lost Medicaid coverage as the COVID-19 pandemic wound down, uninsured visits to hospitals increased 40%." Numerous…...

11+ hour, 14+ min ago (766+ words) End of subsidies after failed legislation will have serious and damaging impact on entire sector, policy experts say With subsidies for Affordable Care Act (ACA) health insurance set to expire, Americans who rely on them will probably switch to plans with lower monthly premiums and high deductibles or decide not to purchase any coverage, which will have a serious and damaging impact on the entire sector, according to healthcare policy experts. The average amount ACA plan enrollees pay annually for premiums is estimated to more than double, from an average of $888 this year to $1,904 in 2026, according to a KFF analysis. That will then have economic downstream effects, including for rural hospitals and people who have employer-sponsored health insurance, according to the experts. With "a significant portion of people dropping their marketplace coverage and being uninsured, it doesn't just impact them,…...

11+ hour, 43+ min ago (601+ words) "They don't want the 'poors' coming in and doing poor people things on grass that rich people grew."View Entire Post " People Are Sharing The Things That The US Does The Worst " And They're Not Wrong "They don't want the 'poors' coming in and doing poor people things on grass that rich people grew." Every country has its quirks, but the United States has a few that leave people " both Americans and non-Americans alike " shaking their heads. From chaotic healthcare to sugary bread, we asked people to share the things they think the US consistently gets wrong. Here's what they had to say: 1. "My mom's cousin, who grew up in Canada, now lives in Grosse Pointe, Michigan, with his wife, who claims she's a true-blue Democrat. We went to visit them in the 1990s. We went on a rollerblade tour with…...

12+ hour, 18+ min ago (309+ words) While some might see life insurance as a way to ensure financial stability for their loved ones, this specific insurance product could cost more than its worth. Oops, something went wrong Retirees Could Immediately Regret Buying This Type Of Life Insurance Life insurance can offer retirees peace of mind by ensuring their beneficiaries are cared for after they're gone. But buying a policy isn't always as easy as it seems. There are two main types of life insurance: term and whole life. Term coverage lasts for a set period " say 15 or 20 years " meaning if you die during that window, the policy pays out; if not, it expires. Whole life, on the other hand, is more complicated. These policies requires you to pay premiums for the rest of your life and, worst of all, not all of that money ultimately reaches…...

12+ hour, 44+ min ago (850+ words) BOSTON " The overwhelming majority of Bay Staters continue to have health insurance coverage, but a new survey highlights nagging challenges in accessing care and affordability woes exacerbated by high-deductible plans. The uninsured rate in Massachusetts is 2.1%, compared to the national rate of 8.2%, according to the biennial Massachusetts Health Insurance Survey released Thursday. Nine out of 10 residents also reported continuous insurance coverage for all family members living in their household over the past 12 months. A 2006 reform law signed by former Gov. Mitt Romney was crafted to facilitate universal insurance coverage. But health care affordability issues persist, and about 28% of residents said they or a family member in the past 12 months refrained from seeking care due to the cost. The Center for Health Information and Analysis said it conducted the survey between January and April and completed interviews with 5,365 households. The survey…...

21+ hour, 11+ min ago (139+ words) THE U.S. HAS THE HIGHEST PREMIUMS IN THE WORLDAmericans pay far more in health care premiums per capita than any other country in the world. Statistics suggest that lower health care premiums result in more office visits per year and higher life expectancy. HEALTH CARE WOESSince 1970, the total amount of money spent on medical goods, services and treatments per capita has increased by more than fourfold. HEALTH CARE EXTREMESAccording to a 2024 health care report by Renew Bariatrics, health care across the U.S. has different health care regulations and guidelines. Understanding which states provide good health care and which don't is determined by three main factors: affordability, availability and result, or outcome. GUEST COLUMN: Working is no guarantee you'll have health insurance Rise in late auto loan payments signals stress on low-income families...