Doctors aren’t just for treating illness; they’re also key to providing preventive services designed to keep you healthy. Because of this, the Affordable Care Act requires that all new health insurance plans offered by private carriers fully cover certain preventive services at no cost to you—that means no copayments or coinsurance. This applies even if you have not yet met your yearly deductible. So long as these preventive services are administered by in-network physicians, t...

It’s estimated that over 50 million Americans are obese, which has caused past problems with obtaining health insurance. Obesity can lead to severe health conditions, such as Type 2 Diabetes and poor cardiovascular health. Many insurers do not consider obesity to be an illness, but they do pay for any resulting illnesses, which means that it costs more for an insurer to keep an obese individual as a customer due to the high risk of developing resulting illnesses. In the past, this meant ex...