Two major changes, aside from the phasing out of the penalty for not buying an ACA-compliant health insurance plan, are in the air in the health insurance industry.

Anyone who runs a business, of virtually any size or type, and employs even a few workers, understands how important offering a superior employee benefits package is to their company's long term success.

One of the most important of all types of supplemental health insurance is clearly accident insurance. Accident insurance is designed to give you extra protection against out of pocket cost incurred as a result of a qualifying accidental injury. It is currently one of the most popular of all "peripheral" insurance types, and for a number of very good reasons.

Navigating the modern US health insurance market is anything but fast, simple, and forgiving should you make a mistake - if you do it on your own and you're not an insurance expert.

The high cost of health care in today's US economy, coupled with the certainty that sooner or later you or a family member are going to need serious health care services, makes it particularly crucial to choose your health insurance policy wisely.