Brought to you by XactInsure — making health coverage smart, simple, and actually fun to understand.

When people think about health insurance under the Affordable Care Act (ACA), they often focus on premiums and deductibles for medical care. But here’s the truth: …

The Affordable Care Act (ACA) mandates that most health plans cover a set of preventive services without charging a copayment or coinsurance, even if you haven't met your yearly deductible. These services must be provided by a doctor or other provider in your …

What You Can and Cannot Do

In recent years, telehealth has transformed how people access healthcare—making it faster, more affordable, and incredibly convenient. For members of Ambetter Health's 2025 Standard Silver 94% HMO plan, this transformation comes to …

Introduction

Health insurance can sometimes feel like you're reading ancient runes mixed with calculus. Co-pays? Deductibles? Coinsurance? Out-of-pocket maximums? It's enough to make anyone want to crawl under a rock (preferably one with great health coverage). 😅

Health insurance can feel like alphabet soup – HMO, PPO, EPO, OMG! 😉 Don’t worry. At Xactinsure, we know these acronyms can be confusing. Think of choosing between an HMO and a PPO like choosing between a dining club and a food truck rally. One offers a set menu …

Posted on April 8th, 2025.

How Individual Coverage Health Reimbursement Arrangements Are Transforming Employer-Sponsored Healthcare in 2025

April 6, 2025

Key Points

ICHRAs offer significant cost advantages with individual premiums up to 63% lower than group plans in key markets Adoption …

Did you know you could earn up to $500 in rewards through your ACA health insurance plan? Many insured individuals are missing out on incredible benefits available to them through Affordable Care Act (ACA) carrier reward programs. These programs offer a variety …

Navigating the world of health insurance can feel like deciphering a complex code. With millions now insured under the Affordable Care Act, understanding your health insurance policy is more critical than ever. A recent study shows that nearly 60% of Americans …

Posted on March 25th, 2025

Health insurance has a reputation problem. Somewhere along the way, "affordable" started sounding like a code word for "barely covers anything."

That couldn't be further from the truth. The idea that a budget-friendly plan automatically …

Posted on January 24th, 2025 

In today’s landscape of healthcare choices, there's an often overlooked yet valuable option that can uniquely complement your financial and health planning strategies: hospital indemnity insurance. Perhaps you've heard about it in …

Posted on January 12th, 2025

When the buzz around insurance options piques your curiosity, it's common to find yourself mulling over the blend of accessible support versus the intricacies of each program. Particularly, two pillars of public healthcare—Medicare …