5 Ways Our HDHP Costs Have Become More Expensive

Happy New Year!  If you have health insurance through your employer, by now it’s kicked in.  We stayed with the same plan as last year.  Our family used a HDHP (High Deductible Health Plan) with an HSA (Health Savings Account).  My employer raised the cost to any employee using any plan.  I did the math to make sure the HDHP was our best option.  It is.  Still, our costs are definitely going up, which is a bummer.

HDHP Costs Getting More Expensive

Here are five ways that our costs are (or could) go up this year.

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Summer Break: Protect Yourself Before You Travel

It’s that time of year when the kids are off school, and families travel to their favorite destinations. It’s Summer Break!

So while you’re planning the trip of a lifetime for the whole family, make sure you have all your bases covered. That includes protection in case the unthinkable, such as an accident or severe illness, were to happen.

Keep yourself prepared by purchasing insurance. There are many different ways to ensure your family’s protection whether you’re traveling in the US or abroad. Here are a few common types of insurance to consider before you step out the door.

Travel Insurance

Travellers insurance covers a wide range of “what ifs,” from lost luggage to injury-related incidences. Here is a basic summary of what travel insurance can include:

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9 Money Goals Everyone Should Have

Rich or poor, working or retired, blue collar or white collar.  None of those things or any other will get around the simple fact that money is important.  As such, there are certain things that everybody should do with their money.  These don’t mean that everybody should approach money the same way.  It just means that in some fashion, each of the below items should be on everyone’s list of money goals.

Have A Rewarding Career

Don’t hate your job.  It’s just not worth it. You don’t have to love every minute of the day that you’re at work.  That’s just not reasonable.

But you should enjoy what you do.  You should feel that you’re making a difference.

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Tips for Buying Long Term Care Insurance

As we age, we start to think about our future and what it will look like. How much do we want to have saved for retirement? Where do we plan to live and will we have family around for support? On top of that is the financial stress of making sure you can afford everything once you retire.

The price for living seems to go up year by year, making it difficult for some to cover all the costs. Throw in a serious illness or disability in which you can no longer care for yourself, and the costs are even higher.

Luckily there is long term care insurance that can help cover some of those costs. This type of insurance provides coverage for someone who needs services like assisted living, nursing homes or in-home care.

How do you know if you will need this type of insurance? Well, as for other forms of protection, like health and life insurance, you never really know if you will use it. However, if the time comes you do need it, you will be glad you have coverage.

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Be Like Me And Get Quotes To Save On Insurance

Insurance is one of those things that you have to have, but don’t want to use.  Paying for it is no fun, that’s for sure.  We are well covered (we think) but were recently able to save on insurance.

One Company

We use one company for our home and auto insurance needs.  We’ve also had an umbrella policy that provides additional coverage across both policies.  Bundling all of our insurance seems to be a good way to save money.

For years, we’ve been with Allstate.  I started off with them when I graduated college and needed auto insurance.  I’ve been pretty satisfied.  When I did have some claims, I never had a problem with the process.  All seemed pretty well.

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Types of Life Insurance that do not Require an Exam

When you’re shopping for life insurance, there are dozens of different factors that you’ll need to consider to ensure that you’re getting the best plan possible. Life insurance is the most important safety net that you can ever buy for your loved ones. It’s one of the few ways that you can ensure that your family has the money that they need, regardless of what happens to you.

One of the biggest parts of a life insurance policy is the medical exam. It plays a major role in how the insurance company views you and how much they are going to charge you for protection. There are a lot of people that want to skip the medical exam. For whatever reason, these people don’t want to go through the hassle of taking the exam, luckily, there are several options for life insurance without the exam.

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