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Categories FAQ

What’s new in 2020?

Rate increases for 2020; Anthem will rejoin the exchange, average rate changes lower than past years. As was the case in 2019, we will continue to see the cost-sharing reductions as well as lower deductibles and out of pocket maximums for on-exchange silver plans for 2020. And good news for people in Northern Maine, Anthem’s … Read more What’s new in 2020?

Categories FAQ

What are High-Deductible Plans?

      Should I consider a high-deductible plan? Answer: If you’re healthy and have some money in the bank, you might want to consider a high-deductible health insurance plan (HDHP). HDHPs typically have lower premiums than traditional health plans because of the high deductible, and they protect you from catastrophic health events. But HDHPs are not … Read more What are High-Deductible Plans?

Categories FAQ

What are Catastrophic Plans?

     I’ve always had a high deductible plan, and I’m happy with my coverage. I’ve heard that the ACA allows for a catastrophic plan. Is that the best option for me? Answer:  Catastrophic Plans are only available to people under age 30 or people older who qualify for a hardship exemption. Although the term “catastrophic … Read more What are Catastrophic Plans?

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What is a Consumer Operated and Oriented Plan?

     Community Health Options (CHO) is a Co-Op, how are they different from regular health insurance companies? Answer: They are basically the same. Co-ops are health insurance companies run by members for members, similar to credit unions. They were created through the Affordable Care Act in 2010 to increase competition among health insurers and … Read more What is a Consumer Operated and Oriented Plan?

Categories FAQ


Medicare is a federal government program that provides health care coverage if you are 65 or older, receiving Social Security Disability Insurance (SSDI), or have End-Stage Renal Disease (ESRD). Medicare is made up of several components, called “parts”. Let’s look at how they can be combined to work best for you. How do you know … Read more Medicare