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1+ hour, 3+ min ago (731+ words) Most of us, when thinking about our family's protection, look toward life insurance. Now, however, several types of life insurance are available in the market. This can get very confusing. Must one opt for a traditional life insurance plan? Or is it better to buy term insurance? Let me explain to you in the most straightforward manner why term insurance is often the more practical option. Of course, this guide is meant for all age groups; it's in very simple English, so you can understand every point while not being stressed. What Is Term Insurance? What Are Traditional Life Insurance Plans? These include endowment plans, money-back plans, and whole-life plans. Traditional life insurance plans attempt to provide you with two things: The above sounds good, but the problem here is that since these plans are a mix of investment and…...

1+ hour, 20+ min ago (1304+ words) (CNN) " The cavalry is not coming to save the Affordable Care Act's enhanced premium subsidies before they lapse at year's end. And while the House is expected to vote in January on a Democratic proposal to extend them for three years, the effort faces significant hurdles in the Senate. This means that millions of Americans will likely have to shell out more " in some cases, a lot more " for coverage in 2026 or go uninsured. They could also try to find less expensive policies, though those usually involve tradeoffs. Moderate House Republicans fought with their leadership this past week over temporarily extending the more generous assistance. Four of them ultimately decided to go nuclear and back the Democrats' proposal. Here's what you need to know now: No! Only the enhanced premium subsidies enacted by the Biden administration as part of a…...

1+ hour, 23+ min ago (530+ words) A low premium often comes with trade-offs that are easy to miss on comparison screens. Two plans with the same sum insured can behave very differently because of co-pay clauses, room rent caps, disease-wise sub-limits and exclusions. If the policy is cheap for a reason, you need to know what that reason is before you buy, not after a claim is cut. Room rent limits are one of the most common sources of partial payouts. Many people assume they will just pay the difference if they pick a higher room. In practice, some policies apply proportionate deductions, where the insurer reduces multiple parts of the bill because the room category exceeded eligibility. This is why a "small" decision at admission can turn into a large gap at discharge. Online forms make it easy to rush through health questions. People forget…...

2+ hour, 26+ min ago (666+ words) Amina Niasse and Ahmed Aboulenein Thursday, 18 December 2025 08:12 AM EST Americans facing skyrocketing Obamacare health insurance premiums could still get a break from expanded government subsidies in 2026 through retroactive legislation and possibly a special enrollment period, investors, analysts and industry experts say. President Donald Trump and the Republican Party have been divided for months on a replacement for the Affordable Care Act's extra COVID-era subsidies that have made insurance more affordable for most of the 24 million Americans who rely on the government-backed plans. Republicans have been promising an ACA alternative for over a decade, but have yet to produce one with a passable consensus that maintains consumer protections of Obamacare plans Two U.S. Senate votes aimed at addressing the issue failed to pass last week, and a plan in the U.S. House of Representatives is unlikely to advance. Investors are still hoping for…...

3+ hour, 25+ min ago (1065+ words) Extra subsidies that made Affordable Care Act plans more affordable for millions of Americans for the past five years are all but guaranteed to vanish on New Year's Day. In January, most people who buy plans on HealthCare.gov or a state-run marketplace will see a rise in their monthly premium, ranging from a modest bump to hundreds or even thousands of dollars. The extra subsidies, provided during the coronavirus pandemic, were never supposed to be permanent. The original, more modest subsidies provided under the ACA remain available on the marketplaces, where 24 million Americans, most of them without workplace coverage, bought plans this year. ACA enrollees are being squeezed from two directions. In addition to losing some subsidies, their average monthly premiums are rising steeply by an estimated 26 percent, according to KFF, a nonpartisan health policy organization. The resulting surge…...

3+ hour, 32+ min ago (1280+ words) For the millions of Americans who buy Affordable Care Act insurance, there's still time left to enroll for 2026. But premium increases and the expiration of enhanced tax subsidies have led to larger-than-expected costs. Concerned shoppers, wondering if there's anything they can do, are consulting insurance brokers or talking to representatives at ACA marketplace call centers. "We're hearing from people with complex medical conditions who don't think they can survive if they don't have access to medical care," said Audrey Morse Gasteier, executive director of the Massachusetts Health Connector, that state's insurance marketplace. And some are considering going outside the ACA to find more affordable options. But that requires caution. Meanwhile, the deadline for choosing a health plan is quickly approaching. The official end of open enrollment is set for Jan. 15 for coverage starting Feb. 1. In most states, it's already too…...

4+ hour, 22+ min ago (19+ words) The Maryland Department of Human Services confirmed procurement rules were violated when an employee billed taxpayers $400 for massages....

4+ hour, 25+ min ago (522+ words) Scenario AI is a specialized AI SaaS tool developed by Zeitro, a company dedicated to modernizing the US mortgage infrastructure. While Zeitro offers a full suite of tools'including pricing engines and POS systems'Scenario AI is their flagship "brain." Think of it as a super-smart underwriter sitting on your desktop, available 24/7. Unlike generic AI tools that might "hallucinate" answers, Scenario AI is purpose-built for the mortgage industry. It utilizes a proprietary "DeepSearch" mode that cuts through thousands of pages of official guidelines to deliver precise recommendations. It doesn't just guess; it analyzes. Scenario AI isn't a one-size-fits-all tool; it solves distinct problems for different players in the mortgage ecosystem. Now, let's look how Scenario AI comes to help. We have all learned to be skeptical of AI. "Hallucinations'where an AI confidently gives you the wrong answer'are a deal-breaker in mortgages. You…...

4+ hour, 52+ min ago (252+ words) ZURICH, Dec 18 (Reuters) " Swiss pharma giants Novartis and Roche on Thursday backed U.S. efforts to lower the cost of drugs and "are working with the Trump administration towards that goal following a report they are close to a pricing deal. U.S. President Donald Trump in July sent letters to 17 drugmakers urging them to slash prices. Pfizer "and AstraZeneca first reached deals, agreeing "to lower prescription drug prices in return for relief from tariffs. Last month, Eli Lilly and Novo Nordisk agreed a deal to slash prices of popular GLP-1 weight-loss drugs "for U.S. Medicare and Medicaid programs and for cash payers. Novartis said it is in discussions "with the Trump administration and "is committed to finding solutions that "lower costs for Americans and address price disparities between "the United States and other high-income countries. "We believe all countries should appropriately value and contribute…...

4+ hour, 54+ min ago (233+ words) When HCA Healthcare, one of the largest hospital systems in the U.S., recently told employees it would stop covering blockbuster obesity drugs Zepbound and Wegovy next year, it pointed them to an alternative way to get the treatments: Buy them themselves. In a notice viewed by STAT, HCA said use of the GLP-1 weight loss drugs surged 90% this year, "significantly" raising costs. It instead suggested employees enroll in discount programs introduced by the drugs" manufacturers, Eli Lilly and Novo Nordisk, which allow patients to buy the medicines without using insurance at cash prices that are lower than the list prices. "Another way of phrasing what HCA said is, "I"m gonna direct you to this manufacturer plan, because for me as a company, that"s a lot cheaper than me buying you the drug," said Craig Garthwaite, director of health care…...