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Senators Gordon Smith (R-Ore.) and Ron Wyden (D-Ore.) recently introduced a bill (S 3701) at the national level that would create several pilot programs allowing states, including Texas, to offer uninsured residents health plans that provide basic coverage paired with catastrophic coverage for individuals who have high out-of-pocket health costs.

The bill would establish six pilot projects, for which states could apply through the Health and Human Services Department. At least two projects would create a “hybrid” health insurance plan that would combine primary and preventive care coverage with high-deductible catastrophic coverage. Private health insurance companies could market this plan to both uninsured individuals and small businesses. There are at least two other projects, which would help privately insured individuals who have out-of-pocket costs that exceed $10,500 annually.

The proposed legislation also would provide for gradual subsidization of plan premiums for workers (more...)

The average American household spends about six to seven thousand dollars every year on car insurance alone. More and more people have increasingly started looking for cheaper deals on their car insurance rates. So how do you find the best deals on car insurance in the Big Apple?

Finding cheap car insurance, especially in a city like New York, is a challenge. You would need to know an estimate of the prices offered by the various car insurance companies.

Knowing what factors influence your car insurance rates would help you reduce them in various ways. The costs of insurance are impacted by factors such as age, gender and usage of the car, amongst others. For instance, the number of tickets that you were issued as a penalty for speeding would increase your car insurance rates. This is because the chance of accidents rises.

Environmental protection agencies across the United States are now also working with car insurance companies to offer deep discounts to those who are low-mileage d (more...)