The Insurance Exchange Could It Be Best for you



Video taken from the channel: Creativity RV


Health Care 101 Choosing Coverage

Video taken from the channel: UnitedHealthcare


What is Health Insurance, and Why Do You Need It?: Health Care Triage #2

Video taken from the channel: Healthcare Triage


NY State of Health Picking a Health Plan That’s Right for You

Video taken from the channel: NY State of Health


What is a health insurance exchange?

Video taken from the channel: Advisory Board


How the Health Insurance Exchange Really Works

Video taken from the channel: seeprogress


How to Choose a Plan in the Health Insurance Marketplace (Extended Version)

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Public health insurance exchanges are used to buy individual and family health insurance plans that are compliant with the ACA (“individual and family” or “individual market” means health insurance. The Affordable Care Act introduced Health Insurance Exchanges. Discover what they are, who offers them, and the advantages of buying health insurance through them. No disponible en español.

Lo. The two main components to consider when evaluating a health insurance plan are its coverage and cost. Under coverage we incorporate items such as type of plan (HMO vs PPO), in. The Affordable Care Act ( required states to establish a health insurance Exchange for people by Jan. 1, 2014.

Our state’s Exchange is called the Washington Healthplanfinder ( and it’s designed to help people shop for and enroll in an individual health plan. If you have health coverage through Medicare, you. Small Business Health Insurance: Is Off-Exchange Right for You?

Using the health insurance exchange isn’t quite as confusing as it may sound. If you’re a small business owner providing health insurance, your main decision boils down to whether you want to provide your insurance off-exchange or on-exchange. Learn how RightOpt, our digital health insurance marketplace, saves you money and helps your employees find the right care, at the right time, at the right cost. Watch Video We know companies and their HR managers look to health insurance marketplaces to provide high-value, affordable health insurance. Exchange. Another term for the Health Insurance Marketplace, a service available in every state that helps individuals, families, and small businesses shop for and enroll in affordable medical insurance.

The Marketplace is accessible through websites, call centers, and in-person assistance. When you fill out a Marketplace application, you’ll find out if you qualify to save money when you enroll in a medical insurance. Health insurance navigators. The health insurance Navigator role was created for the purpose of providing impartial education and outreach about the exchanges and exchange health.

You can also purchase health insurance through a private exchange or directly from an insurer. If you choose these options, you won’t be eligible for premium tax credits, which are income-based. 2020 Open Enrollment is over, but you may still be able to enroll in 2020 health insurance through a Special Enrollment Period. Get Answers Search. Life changes?

See if you qualify for coverage. You can enroll in or change plans if you.

List of related literature:

Yet, ifan insurance plan is created that only subscribes a less-healthy, poor, or uninsured population, it is likely to be an unattractive business opportunity because beneficiaries are likely to need a high quantity of health care that will be costly to provide.

“Essentials of Health Policy and Law” by Joel Bern Teitelbaum, Sara E. Wilensky
from Essentials of Health Policy and Law
by Joel Bern Teitelbaum, Sara E. Wilensky
Jones & Bartlett Learning, 2013

While well over a third of Americans receive health care through one of the two major public programs— Medicare for the aged or Medicaid for poor and very low-income families— and there are regulations on what insurers can offer, most people continue to rely on the private market for health insurance.

“Unbound: How Inequality Constricts Our Economy and What We Can Do about It” by Heather Boushey
from Unbound: How Inequality Constricts Our Economy and What We Can Do about It
by Heather Boushey
Harvard University Press, 2019

However, as the cost ofhealth care in the United States continues to increase more rapidly than the cost of living index and concern is mounting over the dramatic increase in the number of uninsured citizens, a true reworking of the healthcare system may be on the horizon.

“Advanced Practice Nursing: Essential Knowledge for the Profession” by Anne M. Barker
from Advanced Practice Nursing: Essential Knowledge for the Profession
by Anne M. Barker
Jones & Bartlett Learning, LLC, 2008

We can save money by visiting the doctor no more often than necessary, and if we purchase insurance, we can choose a plan that covers only catastrophic illnesses instead of coverage with low deductibles, which is much more expensive.

“Nudge: Improving Decisions about Health, Wealth, and Happiness” by Richard H. Thaler, Cass R. Sunstein
from Nudge: Improving Decisions about Health, Wealth, and Happiness
by Richard H. Thaler, Cass R. Sunstein
Yale University Press, 2008

In the United States, workers in small firms are unlikely to have a choice of coverage, but this may change under health reform, because exchanges will be created that will combine individuals and small businesses in a state into one large pool.

“Jonas and Kovner's Health Care Delivery in the United States, Tenth Edition” by Anthony R. Kovner, PhD, James R. Knickman, PhD, Victoria D. Weisfeld, MPH
from Jonas and Kovner’s Health Care Delivery in the United States, Tenth Edition
by Anthony R. Kovner, PhD, James R. Knickman, PhD, Victoria D. Weisfeld, MPH
Springer Publishing Company, 2011

Without the other health plan roles we have described, copayments and deductibles will add little value and result only in self-rationing and cost shifting (see chapter 7).

“Redefining Health Care: Creating Value-based Competition on Results” by Michael E. Porter, Elizabeth Olmsted Teisberg
from Redefining Health Care: Creating Value-based Competition on Results
by Michael E. Porter, Elizabeth Olmsted Teisberg
Harvard Business Review Press, 2006

■ Health insurance exchanges: The uninsured and self-employed are now able to purchase insurance through state-based exchanges with subsidies available to individuals and families with income between 133% and 400% of poverty level.

“Consumer Health & Integrative Medicine” by Linda Baily Synovitz, Karl L. Larson
from Consumer Health & Integrative Medicine
by Linda Baily Synovitz, Karl L. Larson
Jones & Bartlett Learning, 2018

But this solution doesn’t come cheap: health-care plans are not chosen by their beneficiaries, who would aim to get the ideal coverage for the right price, but by human resource managers with other priorities, such as making their own lives easy with a “one size fits all” bulk purchase.

“The Undercover Economist” by Tim Harford
from The Undercover Economist
by Tim Harford
Oxford University Press, 2012

Government run plan; State opt out if the State enacts a law prohibiting offering of a government run plan in the exchange; the Secretary shall negotiate provider reimbursement rates, but they cannot be higher than average rates paid by health insurance issuers offering qualified health plans through the exchange.

“Culture Wars: An Encyclopedia of Issues, Viewpoints and Voices” by Roger Chapman
from Culture Wars: An Encyclopedia of Issues, Viewpoints and Voices
by Roger Chapman
Taylor & Francis, 2015

The concept of health insurance is not a new one in this country.

“An Introduction to Community Health” by James F. McKenzie, R. R. Pinger, Jerome Edward Kotecki
from An Introduction to Community Health
by James F. McKenzie, R. R. Pinger, Jerome Edward Kotecki
Jones and Bartlett Publishers, 2005

Oktay Kutluk

Kutluk Oktay, MD, FACOG is one of the world's foremost experts in fertility preservation as well as ovarian stimulation and in vitro fertilization for infertility treatments. He developed and performed the world's first ovarian transplantation procedures as well as pioneered new ovarian stimulation protocols for embryo and oocyte freezing for breast and endometrial cancer patients.

Mail: [email protected]
Telephone: +1 (877) 492-3666

Bibliography: oktay_bibliography

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  • Excellent research and presentation. One other state that has no income tax is Tennessee. Thank you, this will help with the stress of trying to figure out affordable insurance for our upcoming nomad lifestyle.

  • last year i had a surgery in my country wich costs 5k plus in the usa plus the ER visit plus the two nights at the hospital and i paid zero, Its all cover in the 15 USD i pay a month, and you still dare to call us “third world” lol

  • I have watched a couple of this lovely lady’s videos and both have been great. To me meaning well presented, explained well, and very watchable.

  • As someone who lives in the UK it actually scares me how bad the US system for healthcare is. When someone is ill/hurt telling someone that there life is now finically ruined because of events out of their control is a cruel event. But what I despise more than anything is how you have a choice of to be or not to be insured. Weighing up the risks of falling ill with the fact that insurance is insanely priced is one that either leaves you out of pocket or feeling scared of your health status. Just wanted to say that…. so yeah

  • This Obamacare is better than letting the insurance companies ripping us off. I was self-employed and they quoted $2200 a month for coverage just for me and my husband. Plus I still had a high deductible and co-pay. I only made $4000 a month, damn they wanted half my income. So yes I welcome Obamacare happily! Hurry up 2014!!!

  • Yes you do pay for health insurance on Medicare and you can be making under property level and not qualify for Medicaid. In Texas they try to find reason to not help you with your health care. We sold a vehicle and the guy still has not put it in his name and because we still own it on paper they will not help us. You can only own one vehicle per person and it says because of this guy we own three. I also live in the large City in the USA that don’t have Public transportation all over the city. So if your car breaks down and you can’t get it fitted right way a third car can be a god send but the State will not help you if you have a third one. One year we didn’t qualify for food stamps because we didn’t pay a house payment and they didn’t think property taxes were part of this on their qualification so they didn’t help us with food. on 800.00 monthly it hard to live but thank the Lord for Ramon noodle at 25 cent a pack we didn’t starve. This is one reason I am think of Moving out of Texas they are the 49th in worst helping state if your on SSI or SSDI. Plus, Property Taxes are very high in Texas. There is no state tax but if you are living on very little they don’t care and will still raise your property taxes yearly and not give you much of a break if you go fight it. This is the reason we are trying to move.

  • HR 3962, title III, subtitle A
    Of course a lot can change once the Senate passes a bill and the two bills are merged. Under the current House bill, only people withour access to insurance would be eligible for the public option so it really doesn’t pose a threat to Wellpoint, Cigna, etc.

  • Hi Robin, That would be awesome to get an RV group for insurance! I’ll definitely keep looking as I’m building out my van now and looking to join the nomadic lifestyle by the end of 2019!

  • I’ve been searching by zip code for affordable plans concentrating on states with no income tax or no sales tax, but not having a lot of luck. No subsidy, no plans, no luck. If anyone knows a state with affordable care, let us know. Oh, and vote for a public option. This “system” is insane.

  • Great information, thank you. I recently read “Some states (Colorado, for instance) use bank accounts as a marker for residency. You can always open a small account with a local bank or credit union and keep $100 in a no-fee checking account. That will satisfy them. I learned this from a MVA official in CO when I was trying to establish residency without a physical address.”. I would look into your states requirements for residency. Regarding the affordable care site, if you have a credit freeze on your account to protect you against fraud…you won’t be recogonized as a real person. Ask me how I know… Unfreeze your credit first for a few days and you will fly through the process.

  • Yeah, nothing short of Single-payer will keep these sharks from taking back their power. A public option is a step in the right direction, though.

  • Very informative video about having health insurance. Whether it’s ObamaCare or from a private insurance, everyone should have health insurance to have peace of mind and live life more freely.

  • Hi. I just started watching your videos because I am very interested in the RV life. I haven’t made any moves yet, but I just wanted to drop a line. It’s because of people like you in this world that give of their heart and information to try and help others that makes this place a great world. Thank you so much for your hard work and most of all sharing your little nuggets of gold. I wish you much success and many happy years on the roads and in different trailer parks. Hope to chat or meet you one day, Mike and Casper(My Dog)!

  • But weren’t private individual health insurance plans available to people before?  Some worse, some better.  Was there actually a need for a law mandating?  Was there a need to spend the amount of tax payer money on this?

  • Better off with insurance? Hardly.

    The insurance pools can be done in a purely non-profit way that includes no profit, advertising and no CEO salaries and bonuses. This would represent a tremendous savings.

    The first thing we need to do in reforming US health care is to remove private health insurance company participation.

  • Thank you so much! That is the information that I was looking for of recent. I appreciate your clear delivery and great sites. The mailboxes in particular were helpful! Insurance is just hard and you made it so simple. Thank you!

  • Wait. (starting at 6:30 ish) having the silver plan on a bad year will be $10k, but not having a plan…is $1,200??? Can someone clarify this?

  • I am a single mother getting ready to be an empty nester and I’m preparing for nomadic life. I’m feeling so much more confident as I prepare to hit the road because of your terrific videos. Thank you for sharing your experience!

  • That is one of the few parts of that massive bill that might well have worked out well for us. But it is countered by the massive amounts of BAD stuff in the SAME BILL.

  • Fantastic and succinct on the ACA. I do taxes and had to explain it to so many people. Thanks for the additional tips to help explain

  • We need to get back to a free market system. When they have to compete prices will come down. We don,t need health insurance.. Just look at at other countries that don,t have health insurance. Some countries you get open heart surgery for as little as $2000.00, now that is cheap. doctors and hospitals won,t like it but who cares besides them.

  • This is great, so clearly put. Lovely vibe too! But isn’t ultimately the issue that it comes down to regarding healthcare, out-of-state coverage? ACA and Medicaid you get emergency room coverage (hopefully) n that’s it for example. PPO plan if can get it or a cost share ministry etc but yeah it’s the out of state thing that’s concerning me as I research RV ing

  • Yes, all policies must be offered through the exchange. Current policies are grandfathered in. The Health Insurance companies love the mandate on coverage but are fighting against the public option which will provide competition

  • What? Six grands for ultrasound? That’s fucked up. Usually I kind of disagree with people saying that Europe is much better (because it’s mostly the same), but in this case I have to agree.. Wow

  • I love these polished, professionally produced videos and commercials. It lets you know who REALLY has the big money in this fight.

    Interesting though, no citations directly from the legislation.

  • Do you understand that it is actually your state that approves the rates? Do you understand that in today’s market, insurance companies can’t overcharge due to the Medical Loss Ratio law that has been in effect for over two years? Your $2200 per month this year will likely be over $3000 next year. Who are you going to blame then?

  • Watch on a daily as ETOH, Meth users, COPD current smokers, and people use the ED as their PMD continue to have free healthcare as I strive to convince my insurance company that I worth insuring….for my current price………F’ing unbelievable!!!! Do things right and you pay for those who could give a s**t what it cost. Which is to put a band aid on their bad HC decisions!!!!! While we all pay for it. WAKE UP!!!!!!!!!!

  • Lord what an idiotic system. How about you pay taxes, and those taxes pay for a free healthcare public system? I’m so glad I’m an European.

  • Insurance = lottery.  Actuarial = Vegas odds makers.  Insurance company = Bookie.  Your odds of making out are better in Vegas.  Universal Healthcare = redistribution of wealth.  We need tort reform not wealth redistribution.  Tort reform makes healthcare affordable for all.

  • I can tell you how I don’t believe it. In CA we have ballot initiatives. We see first-hand in every election how the insurance companies chip away at laws the don’t favor them. It may start out as a wonderland of benefits (only for the few who still have jobs, of course), but over a few election cycles, they will whittle away at what cuts into their profits and we will be back to square one fast.

  • Very very informative.
    Very well presented.
    Thank you so much for all your efforts.
    I for one will definitely pass along this information and wonderful contact info.

  • I’m hitting the road at the end of January and I’m going to age out of my dad’s insurance next year. I was kind of assuming that if anything happened to me I’d just die. Thanks for this video.
    You should do one about banking while on the road if you haven’t already, I’m not really sure what Im gonna do yet. I’ve heard that credit unions work because you can bank with any other credit union but others have suggested online banks.

  • Tennessee has no income tax but does have a “hall tax” that is, a 6% tax on interest and dividends, which is specifically allowed by the state constitution. Tennessee also has a 7% sales tax. Income taxes are a contentious issue in Tennessee.Apr 26, 2014

    These states have no income tax USA Today

  • You are a gem for providing this info. Because that is the concern I have is having healthcare. I am currently in good health but want to be prepared for future. As my spouse and I want to hit the road.

  • this kind of feels like a vanilla version of the issue. insurance costs are more than just the patient risk management factor. Hopefully in later videos he will get more into that.

  • 6:38 I had to pause and rewind. Another poor Hoosier trying to deal with our crappy healthcare system. I’d still rather have my government limit how much these drug companies charge for their products. If they don’t play in their ballpark, they go onto the next drug company making the exact same product. It’s better to make some profit and sell at a lower price than to not be able to sell to a nation. This is how I’ve been told Japan runs its medical industry.

  • Make sure the insurance works out of state. I had ambetter of Georgia but had a seizure in DC. 43,000 $$$ bcuz my insurance did not cover out of network.
    Ambetter paid ZERo

  • You are truly a treasure trove of info! I’m so grateful to know about you and your channel that you take the time to do what you do. Thank you! Stay safe and happy!

  • I am gladly paying the 45% in tax here in Denmark just to know that my money is saving somebody else lives and livelihood, if not my own.

  • About 25 years ago I was reading the Bible when I came across James 3:13-18 and When i applied the things I was seeing in our lives then, I came to the conclusion that all types of insurance is devilish and should not exist.
    James 3:14:18…”But if you have bitter envying and strife in your hearts…this wisdom descends not from above [God], but is earthly sensual, devilish. For where envying and strife is, there is confusion and every evil work…”
    Now look at the bitter envying and strife caused by insurance: millions of Americans couldn’t get it and died, and billions worldwide. Then if you look at the confusion: will their insurance pay for this? Which hospital should he go to? Etc. Capitalists should not be allowed near a healthcare system! The poor people envy the rich who have insurance (many kinds), etc. Anything that is this confusing is clearly devilish, which mostly exists (as this man explains its connected to employers) only for the few who work for corporations or government, all this confusion, envy and strife related to insurance shows that it should not exist, and also that unequal wealth should not exist, and that wage slavery should not exist. It shows that America chose a way that was very wrong: wage slavery, aka capitalism. Obviously when a few very rich people own everything and then create a few jobs that have never paid enough, and insurance that is terrible, and retirements/Social Security, etc, then it’s very wrong. All people should own all things worldwide. America forced every attempt at an alternative system to fail (ROGUE STATE, Wm Blum+).

  • It seems you may be mixing up present health care costs with past motivation for creating medicare/medicaid.  Back then health care didn’t cost very much so it was not a question of going bankrupt to pay for health care.  The costs have risen since those programs were created at 3 times the rate of inflation, probably because of medicare/medicaid.

  • QHBP is an acronym for Quality Health Benefit Provider. It means a health insurance company. Premiums would be set by market forces. The public option would be run independently on policy holder premiums. It would not receive subsidies.

  • Robin, this is great information! Thanks for sharing. One thing I’m unclear on, however. If I’m not located in my state, will my state’s insurance cover out-of-state health care? For example, if I’m in TX will I find doctors who accept IL Medicaid? I have been worried about this but haven’t figured out the answer yet.

  • The health exchange will have salaried, non licensed call center workers to help you make important decisions about what plans you want. The salaries of these workers were not calculated into the cost of the reform bill as it was assumed that insurance brokers would fill this position. Unfortunately, licensed brokers cant work in the exchange (cant accept a fee from clients or the carriers) so this was an “unintended consequence” built into “vote for this, you will like it.

  • Yep. I am soon to be 32 years old, and not one mandatory course in all my years of schooling taught me any of these basic fundamental concepts. I realize one can’t expect to be handed life on a silver platter, but it still baffles me that children and young adults aren’t taught this stuff before they are sent out into “REAL” life and expected to work full-time and function as proper adults.

  • First, you never really addressed the question: What is insurance?

    Insurance is a policy you buy which pays out in case something bad happens. You get sick, they pay for it. In the case of car insurance, you wreck your car, the company pays for repairs. It insures that if something goes wrong, someone will be liable for paying for damages.

    Why do I make a point of this? Because you can’t wreck your car, and THEN buy insurance to cover the accident. If you could, no one would ever buy insurance until after they had a wreck… kind of like the explanation in part 1 about Obamacare. If the accident already happened, it’s not insurance. Insurance is for in case something happens in the future, not the past.

    This is why everyone’s costs are going up… because without being able to deny accidents that have already happened, it forces the companies to charge more to everyone to pay for it. To mitigate this cost increase, we’re forcing individuals who don’t even want or need the insurance to buy it, or pay a penalty. We’re literally mugging healthy people who don’t want anything to do with this so that people who were already sick before they bought their policies can afford their premiums. This is wrong.

  • I’m sick right now. I can’t afford healthcare and I can’t afford health insurance so when I die my family is instructed to sue the federal government for my preventable death.

  • How Do I Find Affordable Medical Insurance?
    Here in Answer:

  • love you girl and your passion to share information and tips. I lived in UK for 13 years and them NHS is trash……I think to move to USA at some point maybe and watch all your great tips. Woman power.

  • I think you missed the bigger question which is why does an ultra sound cost $6,000? Moreover, it’s possible that your insurance company isn’t even held liable for same (ridiculous) amount. Suspicious.

  • @TheStranglehold,

    Welcome to computers and the internet. This video, nowadays, can be easily produced with just a hundred dollar software suite (or free if you’re willing to look hard enough for programs) and $50-$200 in hardware. Labor and creativity is really the limiting factor in our wonderfully futuristic world of 2000.

  • I recently fell off my bike, bruised my tailbone and got a 4cm deep puncture wound. Over the month it took me to heal I received 2 prescriptions (antibiotics and painkiller), one x-ray, 5-6 visits with a doctor, and daily wound irrigation and dressing changes by nurses. Total cost to me? $2. I should mention I’m Canadian. Our system is amazing!

  • I rather pay up front for preventive care and let insurance handle catastrophes like getting ovarian cancer from your baby powder.

  • What I don’t find fair is that my father being an upper middle class man (in my state’s standards) had to cancel our family health insurance because it got ridiculously expensive but the poor folks can definitely get their insurance for free or for a very, very low price.

    P.S. This is not an attack on poor people, I just find it ironic and absurd that my family being much more fortunate than a quarter of Americans doesn’t have healthcare

  • You should stop calling it Obamacare and use its actual name, The Affordable Healthcare Act. It’s astounding how many people don’t know that they are one and the same.

  • I am in the process of changing my life. I love love your videos because you get to the meat and bones of the subject and don’t Ramble On like some other videos. Gaining so much knowledge from you so please please keep up the videos with all your information you have have. Greetings from The Big Easy New Orleans Louisiana estate I am trying to run away from.

  • Why is a pediatrician making videos about Health Insurance? Do I have to convince my insurance agent to make a video about Rubella? Although, you seem more like my own physician; he too seems to be preoccupied with “quality of payment for healthcare” rather than, “quality healthcare”! TNX!

  • Tennessee has no income tax as well. Only a tax on some capital gains, and we’re trying to get rid of those this year. Surprised you left it out.

  • The Exchange is made up of private insurance companies. You are confusing the issues. An additional option of an independent, nonprofit, government plan is included in the House bill as an alternative to private insurance companies, similar to having state Colleges and private colleges.

  • sorry to hear about you getting hit by a car, then with 8.5k bill.  You know that in other countrys we pay national insurance that covers health (and pensions).

    The nhs  costs the avages brit on £25k spends £1,094 a year + £7.85 for each perscription (some people get that free),  might be time to email you representatives and demand national insurance.

  • Great video robin, you obviously kept your corporate skills when you hit the road. I think this subject warrants a series of videos. I would like to know what happens if you have to be hospitalized outside of your home state, will your Aca insurance pay?

  • My breif experience with ACA wasn’t great for my state (Oregon) but realize how it may be good for some. At the time I was a seasonal park ranger. In the offseason I got unemployment at $280 a week (pretax). However the monthly cutoff for getting the free to greatly reduced cost was $1000 a month, or $250 a week. So the exchange offered me at about $490 a month as a 35 year old (at the time) male with a clean bill of health and no previous issues. Which was still unaffordable to me. So I went a few months without and got fined come tax time.

  • With Health Insurance, you are not just safe guarding your life and your health, but you are also preventing yourself from making costly bills. Health insurance ( policies cover hospitalization in case of a major illness and patient surgery in case of an accident in which injuries are sustained. But everyone should have a health insurance policy to meet any kind of a health care need in the future.

  • I have not needed to go to the hospital or see a Dr. since 2007. I have never had insurance. I have saved thousands of dollars over the years, not paying into something I never need/use.

  • Can you do a video talking about the imbalance Obamacare brings to the insurance equation.  Meaning insurance is based on a lot of healthy paying for a couple sick people, and that sick people have to pay more (higher premiums).  But with universal healthcare, and the expense it puts on individuals, specifically healthy young people who would rather pay the penalty to save money, it means that the ratio between healthy people paying for the sick is unbalanced because more sick people are going to be covered.  So instead of 90 healthy people paying for 10 sick people, 90 healthy people are paying for 20 sick people.  I realize this is an extremely simplified and not fully explained take, but it’s an aspect that people keep failing to address.

  • @bblake1234 Yes, I agree with you single payer, universal haelthcare or Medicare for all would be the best thing to happen to healthcare. Healthcare costs has destroyed too many families.

  • Two books that shed some light on insurance from different angles:

    For a discussion of the moral aspects of insurance, especially life insurance, check out Michael J. Sandel’s “What Money Can’t Buy: The Moral Limits of Markets” (Chapter 4).

    On the history of America’s numerous attempts to provide universal health care, see “These Truths: A History of the United States” by Jill Lepore.

  • Great job with this confusing subject. I especially appreciate that you approach ACA and Medicaid in a positive way. People have so many false fears and info about these.

  • Pfffft. The US health insurance system is so complex. I’m happy I don’t live there.
    I pay about $1300 (€1000) a year and I’m done. No Actuarial Value, no co-pays, no deductibles or any of those things.

  • Love your passion for sharing information with people. I’m not even s RVer but I enjoy listening to your videos. Great research great resource to help empower people to make informed choices best for them. Love your spirit Robin!❤️❤️❤️����

  • Do you know how expensive it is to get sick on Medicare? Why not do some research about what you are talking about. Medicare has more holes than you may think which is why there is an entire private industry dedicated to selling plans to cover the costs Medicare does not cover. Look it up.

  • This basically sounds like a huge waste of money unless you’re looking at a serious illness. No wonder health tourism is so common in the United States.

  • Really good info, thank you for this video. But I can’t help but think that receiving health insurance, especially with Medicaid coverage, from a state that you’re not actually a resident of, would be flirting with insurance fraud. I don’t think that the powers that be in that state would be very happy picking up the tab for my medical care while I’m driving around the country all year long.

  • even if you end up just paying 350 a month and 20 per healthcare access, thats still hella much money! In the netherlands I pay 130 euros (apx 160 dollars) and thats gets me dental care, all ER services, most prescription drugs, all sorts of hospital services and labor care + after care. im thinking of moving to Los Angeles for work but I dont know for sure due to my recurring healthissues

  • Holey Moley, I’m going through your vids, came across this one, and WOW!! This is a TREASURE TROVE of information, and it’s useful for us stick ‘n’ brickers as well!!! THANK YOU! (subbed you on the basis of THIS video) Thanks again and cheers, Francisca aka auntifranny

  • I’m a healthy 28yr old getting on with running my business after recovering from two burst eardrums and an infection in the bone at the back of my skull.  I will end up contributing far more in taxation that the cost of my treatment now that I’m healthy.  I’m so lucky to live in Australia and would feel incredibly unsafe in the USA.  
    Does anyone know what my costs would have been in the US (I’m not insured)?

  • But your son would be paying $6k a year in premiums anyway. Then you still have to pay until you meet your deductable. Then you hope your insurance covers your problem if you if meet your maxumum. So whats the point?

  • Smart, informative, concise and knowlegeable. You’ve got it all for anyone looking for answers. I wish you much success, health, fun and adventure. Happy trails, Robin!

  • It should have really been mentioned early in the video that this kind of health insurance is unique to America. While a lot of the terminology is similar, people outside of the states can get confused quickly as government and private insurance programs and institutions differ widely from country to country. 

  • as long as it shows up “in writting” a 5th Grader (that seems to be the dividing line according to television) can read AND understand WITH NO FINE PRINT!
    Then, I’ll be one thrid the way to believing it. The remainder of the way will come after a year of trial and error implementation and finally, some sort of security 9/10 of the world population won’t be decreased by Agenda 21

  • $30,000 to have a baby? Humans have been giving birth for millennia and all of the sudden the price has sky rocketed. Isn’t it fraud to say that is a fair price (especially when it’s a lot cheaper to safely have a baby in Germany or India)?

  • If you’ve got some spare time, please take this survey! It’s only 10 questions long and it would help greatly. Thanks! 

  • excellent. i’m plowing through all your videos and i must say i am utterly impressed. i am not a nomad but i AM free. my husband and i retired in our mid fifties…last year, only because of the affordable care act. my husband had the best insurance through work. very low deductible and very low co-insurance and only $150 per month for two of us. this one item made it hard for him to retire. it was scary to let go of that for sure. with the ACA we don’t get what we used to get but with the subsidy our premium is low. without the ACA i don’t know if we would have gotten free!
    i am incredibly disheartened to hear the stats you provided. it’s a real shame that so many people are not utilizing the ACA and do not understand how it works. you clearly explained how super easy it is to get the benefits available. you have likely helped thousands of people wit this one video. people please use the ACA. it’s meant to help people BE FREE!!! please do not be afraid to call your insurance co. for help. if you ask them how to utilize their network through the ACA, i’m sure they will help you get to the website you need to access to sign up. in ny where i live, we are still elligible for a substantial subsidy up to 63k per year.

  • FYI..NH doesn’t have income tax. Yup, no sales or income tax, but don’t buy a house cuz you pay for it in real estate taxes. I love your videos.

  • Contact 9717701471 for SBI Life Insurance in Gurgaon. Latest term plans, schemes and policies of SBI Life Insurance in Gurgaon are listed here.

  • Health Insurance…National coverage!…Zachary Roberts:…720-985-1213…. I spoke to Zach and he was awesome.  I have been searching and searchingeven being told I couldn’t get health insurance in South Dakota, New York or after having medicaid.  He is licensed in 41 states and helped me more than I can say.  Thanks Zach!!!

  • Having a baby in the hospital is quite expensive. My sister just had a baby. I looked at the bill…$25k for her, $25k for the kid…I’m not having any children anytime soon (not without good insurance I guess).:) 

  • my mother in law was on Medicaid and they took her house to cover the bills she had using it at death and you can only have so much money/wreath or you cant get it and its not much,

  • Thanks, these typewriters with TV screens are pretty nifty. This way, I can see cool Center for American Progress videos like this one. It’s nice to see what Wal-Mart and George Soros get for their money.

  • I am becoming more confident in my next venture on the road. All thanks to you. You Robin are amazing. Thank you for being the outstanding advocate for all campers and stick n brick people…

  • when we go hospital then only we know insurance company true face. don’t waste ur money in insurance company. always condition apply words they use everything

  • Granted, insurance may be expensive for some, but it is important. Personally, I would rather pay for insurance and copays than have to worry about the hefty fees of medical care when I need it. It is apparent in the U.S. that tests such as MRIs or CT scans, hospitals stays, and prescriptions are overpriced. When something happens to you and you have to utilize these things, it would be more beneficial for you to already have insurance. It will save you money and stress in the long run. For example, one time I had a prescription for an eye infection at my local pharmacy. They told me it was $40, which I thought was a little higher than expected because I had insurance that usually covered it. I asked the pharmacist if they put in the discount for my insurance and they told me that they did and the prescription was originally $200. The bottle the prescription came in was half the size in length of a pencil. I was astounded by this. It made me realize that those that have urgent medical conditions or illnesses may not be getting the proper care because they cannot afford it without insurance.

    Our insurance and health care system seems quite complicated but I do believe that Obama Care was a step in the right direction. Of course it is not perfect but it helps us to cover more uninsured people. I think by making a few adjustments to this law, it would be more beneficial for those that are still uninsured. Again, I believe insurance is very important and many people do not recognize that. Medical costs will be higher for a given person than those of buying insurance in the long run. Some may say that they are healthy and do not need it but you never know what could happen in the near future. It’s better to be safe and covered than sorry when you get your medical bills.

  • Downloaded your book! My husband and I are huge fans. Love your informational videos and especially your interview with other women nomads (the guys are OK too!)

  • Great show Doctor! I have a question perhaps you could do a video on. Supplements is a huge market for bodybuilding and fitness programs. Claims like “1 gram of protein for 1 pound of body mass,” “eat 5 meals.” Is this a bunch of nonsense? Are protein supplements healthy? I’ve read nitrogen balance is important in building muscle and simply counting caloric intake. Though what is the healthy approach and is protein supplementation effective and safe? I know that’s sort of a lot and a bit scattered, but fitness is very important to me and I want to do and educate it correctly! Plus I’m curious what research you find.

  • How can a visit to a doctor + ultrasound total to $6000, it sounds more expensive than it “should”. Also, I’m so glad I’m in a proper socialist (someone, please yell “damn communists” in a southerner accent!) country! We’ve got a system where you pay a small copay depending on your treatment/examination, maxing out at US$1400 all paid with tax-money!

  • Thanks Robin for this great video and all the info. I have a lot more to look into before starting my full time RV life but this is a terrific start. Thanks for all the links and all you do.

  • Thanks for the great information for those that seem to let healthcare hold them back. I am a lucky and blessed to be retired and have healthcare through my former employer and now being 65 I have Medicare and the other healthcare has become my secondary health insurance.

  • What is health insurance? A business. Who needs it? Anyone that wishes to spend their hard earned money on it rather than a good steak, new car or a new house. Is it part of the free market? No, it’s now a monopoly and you no longer have a choice to purchase a service you are forced to buy a service by way of law.

  • Robin,
    You are SOOOOOOO AMAZING!!! Thank you so mich for ALL the information you have and continue to provide!
    You’re the BEST!!> Happy Travels!
    Linda ��������

  • After a really bad injury, I spent a month at Children’s and had 4 MRI’s and a TON of physical therapy. I was always super healthy before, but I’m so glad my parents had solid insurance or else we would have been stuck.

  • We love you Robin! show us so much love with your videos and the time you give to us. Thank you…you are a very special person! ��

  • Just a note about getting Obamacare through the exchange: I moved from Maine to Virginia. I had no insurance when I moved. I called the exchange and was told that moving was not enough reason for me to get on to the exchange and since I did not already have insurance, I now did not qualify for insurance and would have to wait until open enrolment 5 months later to get it.

  • Growing up poor and continuing to be relatively poor I have such a negative outlook in life. After going to therapy for a year and continuing to practice mindfulness I continue to see the world more for how it actually is. Which isn’t horrifically horrible and out to get me. Your videos really help me a lot and I want to thank you.

  • In Idaho the government has figured out the mail forwarding thing and they have some sort of program that identifies that address as a mail forwarding type business and they will not accept that for official documents

  • I believe Medicaid eligibility includes a means test in some states. Your low income may not qualify you for Medicaid. From what I can tell, in Idaho, there is a means test to qualify. Also, Idaho appears to have age limits: must be under 19 or over 65.

    This is very complex and varies by state, so do your research!

  • Wow I could have really used this video about a year ago when my class of English learners asked me to explain what their health insurance was and why they had to have it. I was able to make a lesson on it, but it took a lot of research on my part.

  • This video was very informative for me in regards to health insurance and healthcare. The fun fact that caught me by surprise is how health insurance came about because of competition. Jobs had to find an advantage to get workers, and health insurance benefits were the answer!

    People get mad that they’re paying health insurance for the sick. Just like the video said, they’re missing the point. I believe that this part of insurance, everyone paying less but it benefits the sick more is good. The ones that are healthy can complain about paying for insurance when it doesn’t apply to them… until they get sick! Then they’re in the same boat as the people they’re complaining about. Nice informative video Healthcare Triage!

  • I’m not sure what your association with the brothers Green is, but I’ll thumbs down every video they appear in. I can’t stand them. Love the content, hate their delivery. 

  • I’m sorry but you can NOT use Medicaid from state to state, even for emergency care. I know this because my family recently moved from NY to VA. We had Medicaid in NY and shortly after we got here our kids suffered a few ear infections. The NY Medicaid cards were not accepted in either the ER’s or the pharmacy as health insurance. We had to pay out of pocket for the medications.

  • Thank you, Robin! I really appreciate you taking the time to answer my questions. I’m so grateful for people like you who are sharing their knowledge and experience. My confidence has grown that I can do this. Thank you. Blessings
    Btw, hopefully next year, we will get to meet up on the road by a campfire and share our adventures. RV community is really cool!! I’m excited for next year. My names Gail by the way. I trying hard to build a sustainable online business that will allow me to finally fulfill my dreams to travel and see America! cheerz