The Patient Protection and Affordable Care Act of 2010, more commonly known as Obamacare, impacted healthcare in the United States in numerous ways. The act's effects vary by person, but you'll need to have health insurance for at least nine months out of every 12 or be subject to a tax. There are exceptions to this rule based on financial hardship, your income and living situation. But in general, whether it's through Obamacare or not, you should have health insurance.
Even if the open-enrollment period has passed for signing up for insurance via one of the exchanges, you might still be able to purchase subsidized insurance if you've had a qualifying life event. Qualifying events include moving to a new state, change in income, change in family, loss of coverage and others. You may even be able to apply simply because you did not understand that open-enrollment ended or you did not understand the health care law. If your income qualifies you for subsidized health care, you'll want to purchase through your state exchange.
Be sure to take an inventory of all of your personal belongings inside the home, value them, and calculate what it would cost to repair or replace your stuff if they’re damaged, destroyed, or stolen by a covered loss. Most of the top home insurance companies will provide checklists, calculators, apps, and other resources to help you keep track of and protect your belongings.
Bad auto insurance comes in many forms. With bad car insurance, premiums are higher than they should be, or the company offers low premiums but minimal coverage. Some car insurance companies have poor customer service and don’t effectively communicate the status of your auto insurance claim. Others require you to use only repair shops that they approve of, and those shops can be inconvenient to access, forcing you to travel across town for repairs or wait weeks for an appointment. Still other auto insurance companies don’t have a comprehensive network of adjusters, so you have to wait longer for your claim to be processed so you can get the repairs you need. In a worst-case scenario, a car insurance company may not have the financial resources to pay claims, leaving its customers high and dry.
Progressive Home Advantage® policies are placed through Progressive Advantage Agency, Inc. with affiliated and third-party insurers who are solely responsible for claims, and pay PAA commission for policies sold. Prices, coverages, privacy policies, and PAA's commission vary among these insurers. How you buy (phone, online, mobile, or independent agent/broker) determines which insurers are available to you. Click here for a list of the insurers or contact us for more information about PAA's commission. Discounts not available in all states and situations.
×