With the school year beginning, that means kids across the country are back to playing sports in middle school, high school and college. In addition to playing for their schools, some student athletes participate in club athletics over the course of the year.
 
As the parent of a student-athlete, you obviously know what’s best for them when it comes to their athletic careers and that includes being prepared for things like injuries in case the schools and athletic organizations don’t have medical coverage.

Dreaming of retiring early? You’re not alone. The COVID-19 pandemic has forced many Americans to reevaluate their work-life balance.

Market research company Hearts and Wallets reports that about one in four Americans plan to retire before age 65 – a much higher percentage than in years past.
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If you’re one of the “one in four” and you think you’ve saved enough to retire early and cover your living expenses, there’s one more expense you should consider – health insurance. 

The Affordable Care Act (ACA), also known as Obamacare, is a health care reform law that was enacted in March 2010. Some of the key goals of the ACA were to:
 

• Extend health coverage to millions of uninsured Americans.
• Expand Medicaid eligibility
• Create a Health Insurance Marketplace for individual health insurance, prevent insurance companies from denying coverage due to pre-existing conditions, and requiring plans to cover a list of essential health benefits.
• Allow lower-income families to qualify for subsidies for coverage purchased through the Marketplace.

 
However, even though there are some “pros” to the Affordable Care Act, there are just as many “cons” for an ACA plan, many of which led to significantly higher health insurance premiums for individual and small employer health insurance.

Short-term medical (STM) plans are extremely beneficial when used as they were intended – for short periods of time. And now, with the coronavirus, these plans are more important than ever.