The Affordable Care Act's (ACA's) annual updates in cost-sharing limits for group health plan coverage impacts employers, as they could face steep penalties for failing to provide affordable coverage under the ACA's shared-responsibility provisions.

Technically, you can buy health insurance anytime of year - but there are many plans that are only available during open enrollment or during a special enrollment period if you qualify for one. The open enrollment clock is already ticking away for 2019 coverage - here's what you need to know.

From the perspective of life insurance companies, it obviously makes a huge difference what level of health their policyholders are in when they sign up for coverage. That's why a simple medical exam and health history check is built into the underwriting process. But there are also companies that offer term life without requiring a medical exam, and sometimes, such a policy is highly desirable.

Excessive medical bills are the leading cause of bankruptcy filings in the US today, and it's not something that happens only to seniors - over 50 million Americans under the age of 65 are unable to pay their existing medical bills.

Looking for a new health insurance plan, maybe one for next year? Perhaps, the plan you chose last year didn't work out just as you had hoped, despite taking the time to do a lot of online research and comparison shopping?

Before the ACA was passed, it was difficult to find health insurance providers who would cover a serious pre-existing condition, such as cancer, diabetes, or asthma - or any pre-existing condition at all.