New Jersey Health Insurance and the Affordable Care Act

New Jersey Health Insurance and the Affordable Care ActIn 1992 New Jersey enacted two laws that give individual and New Jersey small employers health insurance access regardless of health status, risk factor, age or claims history.   New Jersey health insurance is available through many sources, including the Marketplace or Exchange, independent insurers like, and via the basic and essential plan under the 1992 law.  

When Affordable Care Act or Obamacare was made law each state began an insurance Marketplace or Exchange for those who were unable to obtain insurance via traditional routes including those who don’t have insurance via a spouse’s plan, are excluded for preexisting conditions, have private insurance but want an alternative and for those who own small businesses.  

The Affordable Care Act is on top of the existing 1992 law ensuring insurance access to New Jersey residents who didn’t otherwise qualify.  The basic and essential plan, (B&E), is available to single persons, adults and families.  The plans may be purchased from a wide variety of insurance carriers and in an equally wide variety of options.  The plans available are the indemnity plan, managed care plan and preferred provider organization.  The plans are available from network- based providers using an exclusive provider organization.  

The New Jersey health insurance law enacted in 1992 provides guaranteed coverage and renewability as long as your payments are made in a timely fashion.  Carriers are not allowed to adjust rates based on your location within the state and are fixed for the calendar year.   Furthermore starting January 1, 2014 no carrier can deny or limit anyone due to pre-existing conditions.  The State of New Jersey regulates rates that can be charged on these policies under this law.

The most common way to obtain New Jersey health insurance is via private insurance.  There are many companies who offer health insurance across the country.  Many larger employers offer insurance at discounted rates and you may or may not opt in a spouse and family depending on the policies offered.


Due to the fact there are many different private carriers it is important to shop around when choosing New Jersey health insurance.   You may shop for the best deductibles to limit your out of pocket expenses or shop for additional policies including dental and vision coverage.  Many times private insurers sell bundles of insurance to include dental and vision but they are usually considered additional policies.  

New Jersey health insurance is available through three sources for those who don’t qualify for Medicare and include the Marketplace or Exchange, the exclusive provider organization under the 1992 law providing insurance to all New Jersey residents or via private carriers.

How to Gather New York Homeowners Insurance Quotes

How to Gather New York Homeowners Insurance QuotesNew York homeowners insurance quotes may be found at an assortment of insurance company websites. In fact, most of the biggest insurance companies in the business offer these quotes via their official websites, totally free of charge. You will have to do a little work in order to get a quote. This means that you’ll need to add information to an online form.

However, the quote calculator apps which are found at insurance company websites are very easy to use. All that you’ll need to do is add required information and then submit that data. After you do so, you’ll receive an immediate quote. When you collect a few quotes, you’ll be able to compare them and then find a deal which is truly affordable.

Of course, buying insurance from a company is more than getting a low price for a policy. You will also need to feel protected as a homeowner! So, you’ll need to think about which coverage elements you want. Some policies are bare-bones, but very affordable. Others offer higher levels of coverage for higher prices.

Which Level of Coverage is Appropriate?


Coverage levels vary and every homeowner has his or her own priorities. So, checking the policy options at insurance company websites will be the best way to decide which level of coverage is appropriate for you. It’s possible to buy basic coverage – however, there is a downside to this form of coverage, as it’s not very comprehensive.

You’ll get some basic elements in most basic policies, such as the capacity to file a claim if a fire damages or destroys your home. However, you may not access some important coverage features, including the ability to file a claim if your home is robbed and your possessions are stolen or damaged.

As you can see, deciding on a New York homeowners insurance coverage level is pretty important. While most people buy homeowners insurance primarily in order to appease their mortgage lenders (banks want borrowers to have these policies!), there are other reasons to spend some time shopping around for a policy. It’s about protecting yourself from expenses related to your home!
When you buy a comprehensive policy, you’ll get lots of protection. While it’s true that you may never need to file claim, many people do have to file claims and those who access comprehensive homeowners insurance definitely have an advantage over those who don’t. So, you really need to collect quotes and compare policies before making a choice about which policy to apply for.


California Health Insurance and your options

California Health Insurance and your optionsCalifornia is the most populated state in the nation.  With more then 38 million people, California residents are split among the major population centers, with a lesser number spread across the great wildernesses and mountains in the country.

One of the most important forms of insurance that any person can have is health insurance.  Providing some measure of financial coverage in case the worst were to occur, there are a range of California health insurance options available to you.  Don’t worry if this is your first time navigating through California health insurance, we have provided the guide below to help you figure out options available to you.

Employed?  Insurance Provided By Employer?

If you are employed and your employer provides insurance coverage, then your options will be based off of what your provider has available.  This can be discussed with your HR department and will usually be made available to you via a packet when you are first hired.  Be sure to carefully read over your options, as there is general downtime in the policy when switching the version of health insurance you have will be more difficult.

Employed?  No Insurance Provided By Employer?

If you are one of the millions of hard working California residents who do not have their insurance covered by their employer, then you are in luck.  Through the passing of the affordable care act, California has set up a state run exchange where you can select the policy that best agrees with what you need covered and the costs involved.  While navigating the exchange had several bumps at the beginning, it has become increasingly streamlined and effective over the past few years.

Unemployed?  Over 65?

If you do not have insurance coverage, are unemployed, and are over the age of 65, then you qualify for Medicare, a nation wide safety net designed to provide health insurance to the elderly population in the US.  You will have to go through the state of California in order to sign up for Medicare.

Unemployed?  Under 65?
If you are unemployed, under 65, or earning below a certain amount, then you qualify for Medicaid, the Medicare equivalent for those under 65.  An amazing safety net that provides coverage for people as they find employment or otherwise take advantage of other services provided by the state, Medicaid allows people the freedom of not becoming financially crippled if they cannot afford the basic services available to others.


How to get Illinois car insurance quotes to work for you

How to get Illinois car insurance quotes to work for youIt’s become a lot easier to get Illinois car insurance quotes these days than ever before – but that doesn’t mean that the process is still simple, straightforward, or even in your best interest (yet).

In fact, because it is so easy to get your hands on a whole bunch of car insurance quotes with the power of the Internet, the odds are likely that you’ll be spending the very bare minimum amount of time researching these offers.

That means you’re probably spending a lot more on car insurance than you probably should be.

So take advantage of the tips and tricks included below and you’ll be able to Get Illinois Car Insurance Quotes that end up working for you – and not for the insurance companies!

Take advantage of everything the Internet offers

Obviously, you would have to be at least a little bit crazy not to take advantage of all the power and efficiency that the Internet has to offer when it comes to finding and getting Illinois car insurance quotes.

With nothing more than an active Internet connection, you can have access to 50 or more Illinois auto insurance quotes in less than half an hour – and sometimes even more than that – all thanks to the power of the web.

Definitely put this leverage to play in your favor by doing as much research as possible online before you take advantage of the rest of these tips and tricks.

Don’t forget to use the telephone to uncover even better deals

Before the Internet became the “go to” tool to get Illinois car insurance quotes, people had to actually pick up the telephone and call insurance companies and agencies, speak with a real representative, and then get a quote that way.

Though it is a little bit more time-consuming, it is still one of the most efficient ways to get the very best deals and the very best discounts on Illinois car insurance quotes.

Turn to the phones for an hour or so and you’ll be able to unlock substantial savings in the process.

Put insurance companies and their quotes against one another to land the best deals

At the end of the day, it is always a good idea to use all of the information that you’ve been able to uncover to your advantage.


Get Illinois car insurance quotes from as many companies as you can, and then use that information provided by these companies against one another to boost your negotiating power. You’ll unlock substantial savings you wouldn’t have had access to before this way.

Ohio home insurance

Ohio home insuranceOhio home insurance mistakes that are easy to avoid


Purchasing Ohio home insurance doesn’t have to be an uphill battle.

In fact, it doesn’t have to be a headache or hassle in any way, shape, or form when you know exactly what you’re doing – and the common mistakes that you need to avoid.

Homeowners in Ohio are going to have to purchase home insurance when they take out a mortgage on a piece of property, but a lot of new homeowners (and a fair amount of experienced homebuyers) make similar mistakes when setting up their Ohio home insurance policy.

These mistakes can end up costing these individuals hundreds of thousands of dollars in the future, and cause them a world of stress and pressure moving forward. Avoid these mistakes by paying attention to the inside information below and you’ll be good to go!

Have your home inspected in advance of purchasing Ohio home insurance

It is of the utmost importance that you have a professional Ohio home inspector walk through your entire prospective property, looking for trouble issues and areas that need attention before you pull the trigger on a real estate purchase.

Most individuals know that it is important to have this “walk through” conducted before they purchase a piece of property, but there are (often times) red-hot real estate deals that people want to jump on before someone else swipes it out from underneath them – situations that almost make it too easy to avoid having an Ohio home inspector give your property a look around.

Do not fall victim to those temptations.

Always (ALWAYS) compare and contrast at least three Ohio home insurance offers

Secondly, you’re going to want to be completely sure that you are getting the best possible prices on Ohio home insurance – which means comparing and contrasting at least three different insurance offers.

Don’t just sign up with the first company that seems to be offering you a halfway decent deal, or spend only an hour or so looking into home insurance policies and coverage levels. We’re talking about protecting your most significant financial investment here – this isn’t the kind of mistake that you can afford to make.


Make sure that you pay close attention to the fine print

Lastly, you need to release zero in on all of the fine print of your Ohio home insurance policy to be sure that you are receiving all of the coverage that you had expected to. Go over this document with a lawyer before signing on the dotted line and you will be completely protected.

How to Lower Arizona Home Insurance Expenses

How to Lower Arizona Home Insurance ExpensesWhile no one would disagree that home insurance is essential, statistics show that for those living in Arizona, it’s been pretty steep.  On the average Arizona home insurance rates were $655 in January.  Now that can take a huge bite out of anyone’s wallet.  Here are some suggestions on how to lower your Arizona home insurance expenses.


Lower Insurance Expenses

1.  Combine 

Always make it a habit to buy your homeowners insurance together with your auto or business insurance, plus whatever other kind of insurance you normally purchase.  This can significantly lower your insurance expenses.  Don’t worry.  It doesn’t matter if the insurance agency is not actually labeled as being an Arizona home insurance agency.

2.  Trust 

Now this may sound simplistic, but it works.  Do your best to create a record of trust with the Arizona home insurance company you are using.  In order to accomplish this, you must keep from changing insurance companies too often regardless of your previous track record, and stick with one company for several years; loyalty goes a long way.  Also, don’t be greedy.  Certainly make claims when the need arises, that’s what they’re there for, but don’t try to cheat in order to get more money, and only make a claim when you must.

3.  Increase Your Deductible

Yes, this does mean that you will have to pay more out of pocket expenses if you are involved in an accident or a claim is made, but in exchange it will ultimately lower the cost of your annual homeowners premiums.

4.  Install an Alarm 

This means an alarm that is monitored by an outside company.  Be certain that you are not talked into paying for monthly monitoring and above all, do not sign a contract with the company.  Usually a basic alarm will be enough for most Arizona insurance agencies to lower your rates.  But don’t leap into this move without first calling the insurance company to learn exactly how much home protection you will need to substantially lower your insurance rates.

5.  Ask for Lower Fees 

Don’t be shy.  Contact your Arizona home insurance agency and come straight out and ask them if your fee can be lowered.  The reasons you can give are many from being old enough to retire to not filing frequent claims.  You decide what you want to say, but remember that it never hurts to ask. If they can’t save you money then you can get a free quote from a competitor.

These are just a few of the ways in which you can lower your Arizona home insurance expenses.  If you are satisfied with things just the way they are, then by all means do nothing.  But if you feel that you could benefit from a healthy discount, then get in touch with your insurance provider as soon as possible and start asking the right questions.

How to Pay Less for Michigan Homeowners Insurance

How to Pay Less for Michigan Homeowners InsuranceHow to Pay Less for Michigan Homeowners Insurance

Michigan homeowners insurance doesn’t have to be super-expensive. While the amount that you pay will depend on how much coverage you want, there are still ways to save money on these policies, even if they do feature a higher level of coverage.

In order to help you get a great deal, we’ve compiled some shopping tips. Before we share them, you should be aware that this form of insurance is not mandatory in the state.

Why Purchase Home Insurance?

Most people buy homeowner’s insurance so that they are able to get financing for their new residences. Usually, banks ask their borrowers to buy this form of insurance before they’ll give them mortgage loans. Therefore, the process of buying a house or condo and the process of buying homeowner’s insurance go hand in hand.

Even those who don’t need to borrow funds in order to buy properties should consider purchasing Michigan homeowners insurance, since it does offer so much important protection to homeowners.

So, what form of protection does it offer? Well, if you choose a comprehensive policy, you’ll be protected if someone robs your home and takes your possessions. You’ll be able to file to claim and then be reimbursed for your losses, minus a deductible. In addition, you’ll be protected if there is a fire in your home. Any damage to your residence and possessions will give you the power to file a claim.

Other protection will also be offered. However, it will vary based on the policy that you choose. So, you should prepare to do some homework before you choose insurance of this kind. Read up on policies in order to find the perfect level of coverage and then select a policy which fits your budget. Most insurance companies offer all of this information via their websites. Just drop by the websites of respected providers in order to get things going.


Shop for Home Insurance Today

Shopping for home insurance isn’t complicated. Getting good results will mostly involve checking out four or five companies before making a final decision. Once you’ve reviewed policy features and prices, it will be time to apply online or contact insurance company representatives. Whichever pathway you choose, you should access a fast answer about whether or not you are approved for this type of insurance.

Start comparison-shopping today in order to access the best deal. Then, enjoy the protection that having Michigan homeowner’s insurance brings.

4 Things You Don’t Know about North Carolina Auto Insurance Quotes

4 Things You Don’t Know about North Carolina Auto Insurance QuotesWe get behind the wheel every single day, most of us. We’ve owned cars since we were young. And we’ve paid many a  car insurance bill.  So we are sure we know what we are doing when we go out to find the cheapest North Carolina auto insurance quotes.

Maybe not, though. Maybe we can learn a thing or two, still, to make sure we are not overpaying for car insurance.  Here is some info you may find helpful before renewing your next car insurance policy.

Automatic Renewal is Not Always a Good day

Many of us do this simply because it’s simpler. We don’t have to remember anything—our insurance just renews. But are we losing opportunities to save money by not looking into lower car insurance rates that might be available?  Are we missing the opportunity to get certain discounts?

Good Credit Score Matters

Car insurers look at claims statistics and who file a claim is one factor.  A bad credit score is a bad risk in their eyes.  So if you’ve got credit problems, you may be paying more.  There are many reasons why cleaning up credit is a good idea, but you’ve probably never thought that it could help you get better car insurance rates. Clean up your credit and see.

Clean Up Your Driving Record

Most of us know that we can taking online or other driving-related courses to keep points off our drivers license. That’s a good idea because insurance companies do not look kindly on a poor driving record ant that is reflected in the rates they will require you to pay.

Your Policy Can be Cancelled Any Time

It’s up to your auto insurance company to determine if they want you to stay on as one of their insureds or not.  If you don’t pay on time, they might cancel your policy. They might also cancel if your license is revoked or even just suspended.  These factors count when it comes to calculating the rate you will have to pay.

When your insurance company says that you have coverage, you are probably still in a binding period for the first 60 days. That means they are checking all the details of your application, including your credit score and your driving record. If these don’t check out, they can refuse to insure you, even if they’ve initially put coverage in pale.