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1+ hour, 13+ min ago (930+ words) Health care costs can be a budget buster for retirees, even for those who have been carefully saving for years. The average 65-year-old retiring this year will spend $172,500 on health care and medical bills, according to an estimate from Fidelity. That sum is roughly double the amount needed two decades ago, and it's only likely to keep growing. What's more, it doesn't include paid'long-term-care services'such as home health aides and nursing homes, which as many as 40% of adults will need one day, according to the'U.S. Department of Health and Human Services. While the vast majority of Americans 65 and older have insurance through Medicare, the public health program doesn't cover everything (like long-term care), leaving many older adults with significant health-related funding gaps. In addition, even seniors covered by Medicare have to pay premiums, deductibles and other expenses. On the bright…...

6+ hour, 55+ min ago (591+ words) Paired with high-deductible healthcare plans, health savings accounts help ease healthcare costs. HSAs are a triple tax-advantaged vehicle in the tax code, allowing for pretax contributions, tax-free compounding, and tax-free withdrawals for qualified medical expenses. However, few owners fund their HSAs to the maximum, and even fewer invest their HSA dollars outside a savings account. Most consumers likely don't fill their HSAs because they lack the financial means; critics note that the HDHP/HSA combination can be less beneficial for lower- income workers. But even wealthy consumers may decline to fully fund their HSAs. Many HSAs charge account-maintenance fees and extra costs for investing in long-term assets. Unlike 401(k)s, where participants are typically captive in employer plans, HSA savers can move money from one HSA to another via transfer or rollover. Below, how to know if your HSA is subpar,…...

10+ hour, 11+ min ago (127+ words) SOURCE: https://x.com/profstonge/status/1999456704480653439 *** The Liberty Daily benefits when you shop using the following links and Code: TLD _ MY PILLOW" PROMO CODE "TLD" https://www.mypillow.co Welfare Is Bankrupting America and Most of It Is Fraud The Saturday Show with Jeff Ahern "LIVE " GRIMM HOLLYWOOD " GRIMMBAS " DAY 1 of 12 " GRIMMDY'S + GAMES RECON GOT ME " LINDY'S SHOW " Indies for the Holidays | Holiday Rush | Ep 8 | Rumble Gaming "BIDEN MUST GO TO PRISON NOW! LEAKED Memo PROVES Immigration Plan Arc Raiders - cash runs before reset week " LIVE $100+ TOURNAMENT! TSUGUKU TRIALS " DEMON SLAYER HINOKAMI CHRONICLES 2 Catching Online Predators: Sting Operations & Saving Kids Dollmare is a NIGHTMARE...

10+ hour, 33+ min ago (569+ words) (Daily Signal)For years, pharmaceutical executives have insisted that drug prices are out of their hands. Government red tape, research costs, and reimbursement rules are all offered as explanations for why Americans pay more'at the pharmacy counter than anyone else in the developed world. It's a tidy narrative. It's also only half-truepharma could easily drop its prices. But'government has ensured'that it has little reason to do so. In a'functioning market, companies charge what the market will bear. Those prices typically lower over time due to innovation, competition, and other factors. In only a few industries has the opposite happenedhousing, higher education, and health careall industries where incentives are skewed by government policies. Then there's the government-guaranteed demand. Schools and the military require routine vaccinations, while federal insurance programs cover millions of prescriptions. These are not competitive markets. They are compelled…...

11+ hour, 5+ min ago (973+ words) By ALI SWENSON Associated Press Pages from the U.S. Affordable Care Act health insurance website healthcare.gov are seen on a computer screen in New York opn Aug. 19. Affordable Care Act enrollees say expiring subsidies will hit them hard Senate Minority Leader Chuck Schumer of N.Y., speaks during a news conference on health care costs on Capitol Hill on Thursday. Senate Majority Leader John Thune, R-S.D., joined at left by Sen. John Barrasso, R-Wyo., speaks to reporters after a closed-door meeting with fellow Republicans, at the Capitol in Washington on Tuesday. NEW YORK " For one Wisconsin couple, the loss of government-sponsored health subsidies next year means choosing a lower-quality insurance plan with a higher deductible. For a Michigan family, it means going without insurance altogether. For a single mom in Nevada, the spiking costs mean fewer Christmas gifts this year. She is…...

14+ hour, 20+ min ago (746+ words) Bitcoin and Ethereum are the two largest cryptocurrencies by market capitalization (total value). Together they account for the majority of the crypto market. While newcomers often ask which one is "better," this framing misses a key truth: these networks were designed for different purposes and serve different roles. Bitcoin operates on a simple yet powerful premise: create a scarce digital asset that cannot be inflated or controlled by any central authority. According to the'Bitcoin whitepaper, the network caps total supply at 21 million coins, a limit hard-coded into the protocol itself. This scarcity forms the foundation of Bitcoin's "digital gold" narrative. Just as gold derives value from its limited supply and the difficulty of mining new deposits, Bitcoin derives value from its mathematical scarcity. When something cannot be created endlessly, each unit becomes more valuable over time, especially if demand grows....

14+ hour, 23+ min ago (1253+ words) Jamie and Carrie Wright rattle off the numbers with ease. It's $36,000 for a single dose of Jamie's cancer-suppressing shot, which he needs every 28 days. A patient support program will cover the $1,400 copay, but that means it doesn't count toward their $15,000 in out-of-pocket costs. Neither did the $1,167 Carrie needed for a copay before her nerve ablation last month. Then, there's Jamie's scans every six months and her thyroid medication" The Wrights juggle the above costs with the assistance of Ipsencares (which pays for the shot's copay) and credit cards. But there's one number that they haven't squared away: $1,792. That's their projected monthly insurance premium in 2026 if Congress doesn't extend enhanced marketplace tax credits. That's 265% more than their current $490 monthly premium, which is significantly reduced by federal tax credits. "We're fortunate," said Carrie, noting they have adult children. "We only have the…...

15+ hour, 31+ min ago (337+ words) The GST rate cut in health and term insurance would have made policyholders look forward to the premium renewal date, for a change, to examine the cost savings. A 12-16 per cent savings is on the cards and this is appealing to prospective policyholders. The interest can be gauged from the brokers and aggregators who are reporting a surge in enquiries for insurance.If lower cost was a tailwind to insurance purchase, an option to further reduce premiums by another 10-20 per cent should appeal to even larger cohort of the under or the uninsured. Deductibles can be a handy tool to save on premiums but must be wielded by the right policyholder. Here, we discuss the ideal condition to opt for it, and how it is different from Co-pay which is better avoided. Health insurance is a necessary protection net for…...

16+ hour, 53+ min ago (306+ words) Medical trend rates represent the annual percentage increase in medical plan costs per employee, both insured and self-insured. These figures help organisations budget and adapt their benefits strategies to ensure sustainability in a rapidly evolving healthcare landscape. India's medical trend rate remains above the global average of 9.8 percent, but the pace of growth is slowing due to moderated utilisation. Cardiovascular diseases, gastrointestinal conditions and cancer continue to be the top drivers of medical costs, with hypertension, high cholesterol and poor nutrition as leading risk factors. "India's healthcare landscape is evolving, with employers increasingly adopting flexible benefit plans, cost containment strategies and wellbeing programs to manage rising costs," said Ashley D'Silva, head of Health Solutions, India at Aon. "By leveraging data and partnering with insurers, businesses can better anticipate risks and support a healthier, more productive workforce." Trends Impacting Medical Trend…...

20+ hour, 19+ min ago (739+ words) When it comes to financial security, term insurance is one of the simplest and most effective ways to protect your family. It ensures that in your absence, your loved ones will have financial support to manage daily expenses, repay loans, and plan their future without worry. With several insurers offering attractive benefits, it can feel overwhelming to select the right one." That is why comparing the best term insurance plan for 2025 is so important. By looking at claim settlement ratios, coverage options, and premium costs, you can find a plan that matches your budget and long-term goals. Let's break down the top choices available this year. Why Choose a Term Insurance Plan? When planning long-term financial security, the best term insurance plan is often the simplest and most reliable option. Term insurance provides a large cover at a comparatively low…...