Most of us take more time planning our vacations than our financial futures. That’s why we decided that a quick chat with a top financial advisor might do us all some good. We spoke with Sarah Kaelberer, CFP, ChFC, who is a partner and President of Business & Estate Advisers Inc. in the Minneapolis area....
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Out-of-Pocket Spending Rule Will Make Health Plans More Expensive
Guidance on out-of-pocket spending issued by the Departments of Labor, Health and Human Services, and the Treasury will make health plans more expensive for employers. The Affordable Care Act places annual limits on employees’ out-of-pocket expenses for certain “essential health benefits.” For plan years beginning in 2016, limits equal $6,850 for self-only coverage and $13,700...
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3 ways technology will improve elder care
retirement Technology has changed the way we socialize, find information and bank, and it’s also having an impact on elder care. As the population ages, adult children are increasingly taxed with taking care of their parents or footing the bill for that care, which can cost thousands of dollars per year. A proven way to...
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Consolidation in the real world – implications for workers’ comp
There’s been a lot of mergers and acquisitions in the work comp arena, and certainly more to come. But the activity in our little corner is minor indeed compared to what’s happening in the “real world” – group health, Medicaid, and Medicare. Make no mistake, these transactions will affect work comp. You’ve probably heard of some of...
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Missed the Obamacare deadline and need coverage?
insurance After navigating two open enrollment periods under the Obama health care law, Americans without employer-sponsored health insurance are beginning to realize that there is a nine-month Obamacare offseason. During that big chunk of the year, applying for health coverage can prove problematic — but not impossible. No insurance? Beware of the penalty The next...
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The Everything-PPACA edition of Health Wonk Review
The ongoing rollout of the Affordable Care Act is the primary subject of this edition of Health Wonk Review – but there’s much more from the best of the health policy blogosphere – all summarized here for your reading pleasure! PPACA rollout Brad Flansbaum has written a thoughtful and compelling perspective on the impact of...
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When marijuana is legal and HOA rules are hazy
real estate More than 20 U.S. states allow certain people to grow, sell, possess or use marijuana to varying degrees and for various purposes, although federal law still classifies weed as an illegal drug. Given that contradiction, what rules apply to people who live in condominiums or communities governed by a homeowners association? The answer...
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Medical mistakes are killing us: What to know
insurance Our health care system is killing us. Medical mistakes are said to be the third leading cause of death in the U.S., trailing only heart disease and cancer. Whether through physician error, “healthcare-associated infections” such as MRSA, or faulty implants or devices, an estimated 440,000 Americans die each year as an unintended consequence of...
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Many Obamacare Policyholders Face Tax Surprises This Year
Depending on the amount of subsidies taken or reported income and family status changes, some Obamacare policyholders this year will get a bigger refund than expected and others will owe more in taxes. Carolyn Kaster/AP hide caption itoggle caption Carolyn Kaster/AP The old saying goes, “Nothing is certain except death and taxes.” But the Affordable...
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Affordable Care Act Makes This Tax Season Painful For Many
Tax preparation software doesn’t always calculate the complexity of Affordable Care Act subsidies and credits properly. Daniel Acker/Bloomberg via Getty Images hide caption itoggle caption Daniel Acker/Bloomberg via Getty Images This tax season, for the first time since the Affordable Care Act passed five years ago, consumers are facing its financial consequences. Whether they owe...
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