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For most of your career, you might not have spent much time worrying about the cost of health care. Your employer might have provided a comprehensive plan, or perhaps you simply didn’t experience many health scares in your younger years. But as you plan for retirement, health care will become a more central concern. In particular, you will need to find some way to manage your out-of-pocket expenses, because contrary to popular...

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In the past, small businesses often found it difficult to provide health insurance coverage to employees. But with the passage of the Affordable Care Act, which established state-run health insurance exchanges, small businesses now have the options of purchasing group health insurance through a program called Covered California Small Business.\r\rIn many cases, federal tax credits help small business owners to offset the cost of...

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As you probably already know, the Affordable Care Act established open, state-run health insurance exchanges. Here in California, those who are not covered by employer-provided health insurance can opt to purchase insurance via Covered California. Depending upon your income and family size, you might even be eligible for help with the cost of your premiums.\r\rBut what if you’re covered by health insurance through your employer,...

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