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Tips for Navigating Medical Care Without Health Insurance

Tips for Navigating Medical Care Without Health Insurance

Millions of people in the U.S. live without health insurance, a circumstance that can cause people to weigh the need to see a doctor against the cost. Unfortunately, many people will put off or do without medical care because they can’t afford it, a decision that could jeopardize their health.

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While the Affordable Care Act has boosted the number of Americans with insurance, millions remain uninsured. In 2018, 27.5 million people – more than 8% of the U.S. population – were uninsured, according to the U.S. Census Bureau. Private health insurance covered 67% of Americans. Those without health coverage face the dilemma: Where can I go for medical care without insurance?

The Coverage Gap

In addition to the people who are uninsured, millions are underinsured, according to a survey by the Commonwealth Fund. Among people with health insurance, 29% were underinsured in 2018, compared to 23% in 2014, according to the fund’s Biennial Health Insurance Survey: “People who are ‘underinsured’ have high health plan deductibles and out-of-pocket medical expenses relative to their income and are more likely to struggle paying medical bills or to skip care because of cost.”

The survey found that 41% of underinsured adults reported they delayed needed medical care because of cost. By contrast, 23% of people with adequate insurance coverage said they delayed such treatment. Also, 47% of underinsured adults reported medical bill and debt problems.

Tips for Finding Affordable Medical Care

If you’re uninsured or underinsured, here are eight strategies for finding affordable medical care:

1. Research your eligibility for insurance.

Depending on your situation, you might be eligible to buy individual health insurance coverage from the ACA marketplace or in the individual market, or you might qualify for Medicaid, Medicare or the Children’s Health Insurance Program for your kids, says Kim

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8 Tips That Can Help Drivers Pay Lower Car Insurance Premiums

8 Tips That Can Help Drivers Pay Lower Car Insurance Premiums

Press release content from Accesswire. The AP news staff was not involved in its creation.

LOS ANGELES, CA / ACCESSWIRE / October 13, 2020 / ( ) has launched a new guide that presents several effective tips that will help drivers get cheaper car insurance.

For many drivers, paying the monthly car insurance bill can be quite difficult. More and more drivers are wondering if they can save some of the money they spend on insurance. Luckily, there are some easy methods drivers can take to lower their premiums and ensure they’re getting the best insurance rate. With a bit of ingenuity and an understanding of the insurance market, drivers can reduce their car insurance costs and get great coverage without breaking the bank.

To get cheaper car insurance, follow the next tips:

  • Regularly shop for car insurance. Most car insurance providers will change their rates every month. Shopping for car insurance once or more each year can help drivers take advantage of the insurance market’s ebbs and flows. Also, significant life changes like a new job, marriage, or earning a college degree might make the insurance premiums to be lower.
  • Follow all safety rules when driving and avoid distracted driving. It’s essential to stay safe, drive responsibly, and maintain a good driving record. Even one speeding ticket can increase the insurance premium.
  • Keep a good credit score. Insurance companies are allowed to take a look at the credit score to make sure their customers are responsible with money. Drivers with a higher credit score will pay cheaper car insurance rates.
  • Look for discounts. Insurance companies provide discounts for certain types of drivers who are seen as less of a risk. Drivers can get discounts for low-mileage, installed safety features, being a good driver,
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4 Expert Tips to Create the Perfect Investor Pitch for Your New Business

4 Expert Tips to Create the Perfect Investor Pitch for Your New Business

When it comes to pitching, the odds often seem stacked against startups. Investors reportedly look at pitch decks for only 3 minutes and 44 seconds, and for every 1,000 pitches an investor hears, they only fund 100 companies. But investors aren’t in short supply, so there has to be another reason why the window of opportunity is so slim. What if the problem is how founders are telling their startup story?

a man and a woman sitting at a table

© Maskot | Getty Images

Think back to when you were a kid. What were the stories that engaged you most? Had you sat upright on your bed, wide eyed, and pleading for your parents to keep reading? Probably the ones that had a strong main character, a detailed background, and were just short enough to get your full attention. In many ways, the best investor pitches have the same traits. 


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Here’s how to create the perfect investor pitch, with tips from the experts:

RELATED: Sign Up For a Risk-Free Trial of Our On-demand Start Your Own Business Course

Know your value, market, and investors.

Before you find yourself in a room full of investors, there are three core areas you need to dive into. First off, define exactly what your value is—that means, what customer pain point you’re addressing, how you’re solving it in a new or better way, and why people will be willing to pay for your solution. Start by conducting a number of user interviews to get qualitative data and direct quotes from your targeted audience. Then collect any early traction like sign-ups to free trials, social media engagement, and letters of intent to include in your presentation. 

Next, look at your market size. This is arguably the most important element of your pitch, because if you can’t demonstrate that there is a

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It’s not too late for coronavirus financial relief and other tips from the mailbag

It’s not too late for coronavirus financial relief and other tips from the mailbag

The mailbag is full of notes from people with all-too-common financial dilemmas these days.

I’ll try to help some of the letter writers in the hope that the answers help you too.

Question from David H. in Short Pump, Virginia:  When I lost my job early in the pandemic, there seemed to be a lot of help out there from banks and credit-card companies for people who were unemployed. But we didn’t need help then, because my wife was working for [a major airline].

She was part of the layoffs they just announced. I’m making money working on some projects, but it’s not enough.  I don’t want to fall behind on the mortgage and the bills. But what can I say to my lenders now, so far into the pandemic, that would persuade them to help me, and why would they help me anyway if we have almost no income and don’t know when that will change?

Answer: Don’t worry about optics; push on.

Mortgage forbearance on federally backed mortgages was part of the CARES Act, the initial coronavirus stimulus package, and you should be able to pause mortgage payments for up to 12 months, in 180-day chunks, by contacting the lender about a COVID hardship.

Generally speaking, lenders have shown a willingness to hold off on missed mortgage payments by adding them to the back end of the loan. Let’s say you have 12 years remaining on the loan, meaning it would be paid off in October 2032 if you don’t hit the brakes; if you pause payments for six months, you will still owe 12 years of payments and you will pay things off in the spring of 2033. That’s effectively like accessing your home equity to get you through trouble.

That said, terms and conditions can vary,

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5 tips to get help for your small business, as relief talks remain in limbo

5 tips to get help for your small business, as relief talks remain in limbo

After calling off broader talks on an economic stimulus package, President Trump reversed course Tuesday night, urging Congress to approve smaller relief measures, including funding for small-business loans. Yet there is still a great deal of uncertainty about when another stimulus bill will deliver emergency aid to millions of Americans impacted by the Covid-19 pandemic, including small-business owners.

“The real problem is there just isn’t enough financial help right now, especially if your business did not qualify to get it before,” said Jill Johnson, CEO of the Institute for Entrepreneurial Leadership, a non-profit business consulting firm in Newark,  New Jersey. 

The federal government’s Paycheck Protection Program approved more than 5.2 million loans totaling $525 billion in emergency relief funding. For many small-business owners who received those loans, however, that money has run out. And others are still struggling. 

More from Invest in You:
Tips for small-business owners trying to survive the pandemic
Beauty Bobbi Brown’s advice for business owners
How these small businesses are navigating the pandemic

Getting an infusion of funding from another federal stimulus package could be one option — someday. Yet, rather than wait and see what happens with new federal help, experts say small-business owners in need of financial relief should take these steps now:

1. Contact your existing lender or search for a new one

“Talk to your bank to discuss financing options, restructuring or payment deferrals on existing loans,” said Detra Miller, head of the women- and minority-owned business team at M&T Bank.

Continue to build relationships with lending institutions for access to credit, agreed Ken Alozie, managing director at Greenwood Capital Advisors. “Start with the bank that provided you with a PPP loan.”

Explore other lenders, too. While loan approval rates declined slightly from August to September, according to the latest Biz2Credit Small

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