 A Harvard study published in the American Journal of Medicine reports that 62 percent of household bankruptcies filed are due to medical bills. What is even more alarming is that 78 percent of those households had health insurance. While the cost of healthcare continues to rise, health insurance plans intended to control costs have been unable to do so. Since the passage of the Affordable Care Act, many Americans have needed to learn about a product that is unfamiliar to them. Below are tips to consider when choosing a health insurance plan.
 With nearly 15 percent of the United States population already over the age of 65, few American families are exempt from concerns—now or in the future—about how to care for aging family members. For many, the ability to care for a family member in their own home is not an option, thus necessitating reliance on care from an assisted living facility or nursing home. Reliance on this type of care can prove costly, so it is important that families consider investing in long-term care insurance to help prepare for this eventual need.
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