VIDEO: Living Benefits for Retirees

VIDEO: Top Priorities on The Road to Retirement

Become A Better Health Care Consumer

Preparing for The Next Family Health Event

Health Premiums Have Climbed +$4,865 Since Obama Promised to Cut Them -$2,500

That's a negative -$7,365 per family, per year off the mark of the President's promise. 


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Health Premiums Have Climbed $4,865 Since Obama Promised to Cut Them $2,500

Why The Affordable Care Act is Largely Unaffordable...

The ObamaCare mandate's primary impact will be to compel low-income households to buy bronze coverage with deductibles of up to $6,850 per adult that are well beyond their capacity to afford. 

Because any semi-serious health issue will torpedo their finances long before ObamaCare begins to pay the bills, this situation raises a question of whether it is ethical to threaten them with a mandate penalty.

In addition, after two years of ObamaCare enrollment, it now appears likely that this contradiction — the Affordable Care Act mandating unaffordable care — will be the rule, not the exception, for modest-income households between 150% and 250% of the poverty level.

Read More At Investor's Business Daily: 

The ObamaCare Individual Mandate's Harsh Reality 

Barrons: Vanguard Health Care Fund's 5-Year Average Return is +25.2% Per Year

Vanguard Health Care Fund Keeps Posting Healthy Profits

Obamacare Premiums Soar for the 95% of American Who Don't Qualify for Subsidies

For most people, insurance premiums went up as a result of the Affordable Care Act.
 

If we look at premiums for the 95% of Americans who don't qualify for subsidies, men aged 30, on average, are paying +73% more than they did before the ACA went into effect. 

And women aged 63 are paying +38% more.

Young men are seeing the greatest increase, with those aged 23 now paying +78% more. 

And monthly premiums for family policies rose +93.7%, from $378 for 2013 plans to $732 for 2014 plans.

The biggest factors leading to the increase are the fact that insurance must now cover new applicants even if they have preexisting illnesses, and the mandatory inclusion of several previously optional coverage items.

The Growth of Health Care Spending Since World War II

Winners & Losers from ObamaCare...

ObamaCare: The Promise & The Reality of Family Health Care Spending

Medicare: 7 Things You Don't Know - #1. Not Everything Is Covered

Couples retiring at age 65 this year are expected to incur $220,000 in out-of-pocket health care costs on average during their retirement years, INCLUDING deductibles, co-payments and services NOT covered by Medicare such as dental, vision and podiatry expenses. 

The estimate DOES NOT include Long-Term Care (LTC) costs.

Source: Fidelity Investments’ 2014 Retirement Health Care Cost Estimate.

The Top 10 Retirement Challenges: #1. Rising Health Care Costs...

An estimated 10,000 baby boomers turn 65 every day. 

Higher-income individuals are often in better health at retirement and will face higher lifetime health costs as they live longer.

Planning for these higher costs will be challenging, but very important.

The Top 10 Retirement Challenges: #9. Estate Planning

While estate planning is less important for federal estate tax reasons, with the increase in the exemption amounts to over $5 million per person, the non-financial aspects of estate planning are still critical.

Making sure clients have a power of attorney updated and in place, and addressing the need for health care documents like a health care power of attorney and advance directive can be very important.

Trustee designations and naming the proper beneficiaries are often missed or not changed when life circumstances change.

ObamaCare Deductibles to Rise to $6,600 in 2015?

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ObamaCare Deductibles to Rise to $6,600 in 2015

Under ObamaCare, Low Wage Earners Are Losing Hours

Wasn't ObamaCare Supposed to Reign In Health Care Spending?

ObamaCare's Middle Class Cliff

ObamaCare Shortfall: Only 1 in 10 Eligible Young Adults Have Signed Up

ObamaCare Enrollments Slow to A Crawl...