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	<title>Health Insurance &#187; Universal Health Care</title>
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	<description>Health insurance news, articles and information</description>
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		<title>Health Insurance Regulation in California Under Health Care Reform</title>
		<link>http://www.insuresaver.com/info/health-insurance-regulation-in-california-under-health-care-reform/</link>
		<comments>http://www.insuresaver.com/info/health-insurance-regulation-in-california-under-health-care-reform/#comments</comments>
		<pubDate>Tue, 13 Sep 2011 18:25:32 +0000</pubDate>
		<dc:creator>Dan</dc:creator>
				<category><![CDATA[Federal]]></category>
		<category><![CDATA[General]]></category>
		<category><![CDATA[Government Run Health Plan]]></category>
		<category><![CDATA[Group]]></category>
		<category><![CDATA[Laws]]></category>
		<category><![CDATA[Resources]]></category>
		<category><![CDATA[group health]]></category>
		<category><![CDATA[health care costs]]></category>
		<category><![CDATA[health care reform]]></category>
		<category><![CDATA[premiums]]></category>
		<category><![CDATA[Universal Health Care]]></category>

		<guid isPermaLink="false">http://www.insuresaver.com/info/?p=421</guid>
		<description><![CDATA[Health care administration under the Affordable Care Act is tricky enough, but none more so than in California. Currently there are two options for the golden state – either consolidating into one regulatory agency or combining between two agencies, the California Department of Insurance (CDI) and Department of Managed Health Care (DMHC), to properly maintain [...]]]></description>
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		<title>Health Insurance Exchanges</title>
		<link>http://www.insuresaver.com/info/health-insurance-exchanges/</link>
		<comments>http://www.insuresaver.com/info/health-insurance-exchanges/#comments</comments>
		<pubDate>Fri, 05 Aug 2011 17:15:16 +0000</pubDate>
		<dc:creator>Sandra</dc:creator>
				<category><![CDATA[Federal]]></category>
		<category><![CDATA[General]]></category>
		<category><![CDATA[Government Run Health Plan]]></category>
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		<category><![CDATA[State]]></category>
		<category><![CDATA[health care reform]]></category>
		<category><![CDATA[health insurance]]></category>
		<category><![CDATA[individual health]]></category>
		<category><![CDATA[Universal Health Care]]></category>

		<guid isPermaLink="false">http://www.insuresaver.com/info/?p=409</guid>
		<description><![CDATA[Whether you are for it or against it, health care reform marches on. As states scramble to either fight the constitutionality of the bill, or create models for health care administration, January 1, 2014 edges ever closer and brings with it the start of health insurance exchanges. These exchanges are proposed to be implemented by [...]]]></description>
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		<slash:comments>0</slash:comments>
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		<title>Preventive Services and Your Health Plan</title>
		<link>http://www.insuresaver.com/info/preventive-services-and-your-health-plan/</link>
		<comments>http://www.insuresaver.com/info/preventive-services-and-your-health-plan/#comments</comments>
		<pubDate>Thu, 23 Dec 2010 23:08:58 +0000</pubDate>
		<dc:creator>Sandra</dc:creator>
				<category><![CDATA[Employees]]></category>
		<category><![CDATA[Employers]]></category>
		<category><![CDATA[Federal]]></category>
		<category><![CDATA[Government Run Health Plan]]></category>
		<category><![CDATA[Laws]]></category>
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		<category><![CDATA[health care reform]]></category>
		<category><![CDATA[health insurance]]></category>
		<category><![CDATA[preventative care]]></category>
		<category><![CDATA[Universal Health Care]]></category>

		<guid isPermaLink="false">http://www.insuresaver.com/info/?p=336</guid>
		<description><![CDATA[  With health care reform came certain guidelines that would be implemented right away. One provision states that health plans must cover preventive care at 100% &#8211; with no cost sharing (i.e. co pays, deductibles, or coinsurance). However, does this mean you can rush out to take care of all those things you have been [...]]]></description>
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		<slash:comments>0</slash:comments>
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		<title>Calfornia First In Line To Set Up Health Care Exchanges</title>
		<link>http://www.insuresaver.com/info/calfornia-first-in-line-to-set-up-health-care-exchanges/</link>
		<comments>http://www.insuresaver.com/info/calfornia-first-in-line-to-set-up-health-care-exchanges/#comments</comments>
		<pubDate>Thu, 02 Dec 2010 23:00:56 +0000</pubDate>
		<dc:creator>Dan</dc:creator>
				<category><![CDATA[Government Run Health Plan]]></category>
		<category><![CDATA[Laws]]></category>
		<category><![CDATA[Resources]]></category>
		<category><![CDATA[State]]></category>
		<category><![CDATA[Tools]]></category>
		<category><![CDATA[health care reform]]></category>
		<category><![CDATA[health insurance]]></category>
		<category><![CDATA[heath insurance]]></category>
		<category><![CDATA[Universal Health Care]]></category>

		<guid isPermaLink="false">http://www.insuresaver.com/info/?p=323</guid>
		<description><![CDATA[Governor Schwarzenegger recently signed two bills (SB 900 and AB 1602) which puts California at the forefront of establishing health insurance exchanges. Although these exchanges won’t be open for business until 2014, this bill will start California on the road to implementing this vital piece of health care reform. Federal guidelines do outline how the exchanges work, but [...]]]></description>
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		<slash:comments>0</slash:comments>
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		<item>
		<title>Blue Shield Ends 12 Month Rate Guarantees</title>
		<link>http://www.insuresaver.com/info/blue-shield-ends-12-month-rate-guarantees/</link>
		<comments>http://www.insuresaver.com/info/blue-shield-ends-12-month-rate-guarantees/#comments</comments>
		<pubDate>Thu, 28 Oct 2010 17:25:52 +0000</pubDate>
		<dc:creator>Carol</dc:creator>
				<category><![CDATA[Family]]></category>
		<category><![CDATA[Federal]]></category>
		<category><![CDATA[Individual]]></category>
		<category><![CDATA[Laws]]></category>
		<category><![CDATA[Resources]]></category>
		<category><![CDATA[health care reform]]></category>
		<category><![CDATA[health insurance]]></category>
		<category><![CDATA[individual health]]></category>
		<category><![CDATA[preventative care]]></category>
		<category><![CDATA[Universal Health Care]]></category>

		<guid isPermaLink="false">http://www.insuresaver.com/info/?p=317</guid>
		<description><![CDATA[As of October 1, Blue Shield of California will no longer offer 12 month rate guarantees on their individual and family health plans. Any plans issued from this day forward will see a rate adjustment January 1st, even if you started your policy on December 31st. They are also the only carrier waiting until January of [...]]]></description>
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		<slash:comments>0</slash:comments>
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		<title>Should You Grandfather Your Group Plan?</title>
		<link>http://www.insuresaver.com/info/should-you-grandfather-your-group-plan/</link>
		<comments>http://www.insuresaver.com/info/should-you-grandfather-your-group-plan/#comments</comments>
		<pubDate>Thu, 21 Oct 2010 17:25:47 +0000</pubDate>
		<dc:creator>Dan</dc:creator>
				<category><![CDATA[Employers]]></category>
		<category><![CDATA[Federal]]></category>
		<category><![CDATA[Government Run Health Plan]]></category>
		<category><![CDATA[Group]]></category>
		<category><![CDATA[Laws]]></category>
		<category><![CDATA[added benefits]]></category>
		<category><![CDATA[Coinsurance]]></category>
		<category><![CDATA[deductibles]]></category>
		<category><![CDATA[group health]]></category>
		<category><![CDATA[health care reform]]></category>
		<category><![CDATA[preventative care]]></category>
		<category><![CDATA[Universal Health Care]]></category>

		<guid isPermaLink="false">http://www.insuresaver.com/info/?p=313</guid>
		<description><![CDATA[Many small business owners are now facing the tough decision as to whether they should grandfather their plans, or make necessary changes to bring down their costs. There are pros and cons to both sides, and the decision should not be a rushed one. Therefore, we want to provide some guidance tools to help you [...]]]></description>
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		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>Grandfathered Plans and Your Options Now</title>
		<link>http://www.insuresaver.com/info/grandfathered-plans-and-your-options-now/</link>
		<comments>http://www.insuresaver.com/info/grandfathered-plans-and-your-options-now/#comments</comments>
		<pubDate>Fri, 24 Sep 2010 21:45:13 +0000</pubDate>
		<dc:creator>Susan</dc:creator>
				<category><![CDATA[Federal]]></category>
		<category><![CDATA[General]]></category>
		<category><![CDATA[Government Run Health Plan]]></category>
		<category><![CDATA[Laws]]></category>
		<category><![CDATA[Resources]]></category>
		<category><![CDATA[Tools]]></category>
		<category><![CDATA[deductibles]]></category>
		<category><![CDATA[health care reform]]></category>
		<category><![CDATA[health insurance]]></category>
		<category><![CDATA[preventative care]]></category>
		<category><![CDATA[Universal Health Care]]></category>

		<guid isPermaLink="false">http://www.insuresaver.com/info/?p=309</guid>
		<description><![CDATA[What does it mean to lose “grandfathered status”?  This may or may not be a concern to you. In a nutshell, this means is your plan will now have to comply with all regulations mandated by health care reform. One of the most important things to know is that along with guarantee issue coverage for [...]]]></description>
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		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>Rules Governing Grandfathered Health Plans</title>
		<link>http://www.insuresaver.com/info/278/</link>
		<comments>http://www.insuresaver.com/info/278/#comments</comments>
		<pubDate>Mon, 30 Aug 2010 17:42:49 +0000</pubDate>
		<dc:creator>Candace</dc:creator>
				<category><![CDATA[Employees]]></category>
		<category><![CDATA[Employers]]></category>
		<category><![CDATA[Federal]]></category>
		<category><![CDATA[Government Run Health Plan]]></category>
		<category><![CDATA[Group]]></category>
		<category><![CDATA[Laws]]></category>
		<category><![CDATA[Coinsurance]]></category>
		<category><![CDATA[deductibles]]></category>
		<category><![CDATA[group health]]></category>
		<category><![CDATA[health care reform]]></category>
		<category><![CDATA[Universal Health Care]]></category>

		<guid isPermaLink="false">http://www.insuresaver.com/info/?p=278</guid>
		<description><![CDATA[One outstanding declaration in President Obama’s health care reform plan is the promise people who like their current health plan will have the option to keep it. How will this work? The plan is to grandfather in policies in order to “protect the ability of individuals and businesses to keep their current plan while providing [...]]]></description>
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		<slash:comments>0</slash:comments>
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		<item>
		<title>Many Important Health Care Reform Changes for Young Adults</title>
		<link>http://www.insuresaver.com/info/many-important-health-care-reform-changes-for-young-adults/</link>
		<comments>http://www.insuresaver.com/info/many-important-health-care-reform-changes-for-young-adults/#comments</comments>
		<pubDate>Thu, 17 Jun 2010 18:04:37 +0000</pubDate>
		<dc:creator>Dan</dc:creator>
				<category><![CDATA[Employees]]></category>
		<category><![CDATA[Employers]]></category>
		<category><![CDATA[Family]]></category>
		<category><![CDATA[Federal]]></category>
		<category><![CDATA[Laws]]></category>
		<category><![CDATA[children's health]]></category>
		<category><![CDATA[group health]]></category>
		<category><![CDATA[health insurance]]></category>
		<category><![CDATA[heath insurance]]></category>
		<category><![CDATA[Universal Health Care]]></category>

		<guid isPermaLink="false">http://www.insuresaver.com/info/?p=249</guid>
		<description><![CDATA[While many young adults faced losing coverage as they aged off their parent’s plan, had no coverage in the case of an unexpected pregnancy, or merely had the bare necessities covered by their school plans, all can breathe a sigh of relief as health care reform promises to end their fears. As mentioned in earlier [...]]]></description>
		<wfw:commentRss>http://www.insuresaver.com/info/many-important-health-care-reform-changes-for-young-adults/feed/</wfw:commentRss>
		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>Health Care Reform – where it is headed?</title>
		<link>http://www.insuresaver.com/info/health-care-reform-%e2%80%93-where-it-is-headed/</link>
		<comments>http://www.insuresaver.com/info/health-care-reform-%e2%80%93-where-it-is-headed/#comments</comments>
		<pubDate>Mon, 17 May 2010 18:52:38 +0000</pubDate>
		<dc:creator>Candace</dc:creator>
				<category><![CDATA[General]]></category>
		<category><![CDATA[Government Run Health Plan]]></category>
		<category><![CDATA[Resources]]></category>
		<category><![CDATA[Tools]]></category>
		<category><![CDATA[group health]]></category>
		<category><![CDATA[health care reform]]></category>
		<category><![CDATA[health insurance]]></category>
		<category><![CDATA[preventative care]]></category>
		<category><![CDATA[Universal Health Care]]></category>

		<guid isPermaLink="false">http://www.insuresaver.com/info/?p=245</guid>
		<description><![CDATA[We are now well into the first year following the passing of the health care reform bill. However, we still are not completely sure of what the changes are going to be, and how it will affect all of us. While some portions of the bill are clear cut, such as extending coverage to overage [...]]]></description>
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