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Understanding Health Insurance Is Hard

Hundreds of thousands of Americans have spent the days leading up to Christmas trying to navigate the HealthCare.gov Web site—with varying degrees of success (to say the least).
But even for those who successfully enrolled for coverage, that's only one hurdle. According to market research the next hurdle is the a basic understanding of how their plans actually works. And that, is going to be a big challenge for the uninsured gaining coverage in the coming months and years for maybe the first time.
Fewer than one in four uninsured Americans felt confident they understood nine basic insurance terms, like "premium," "coinsurance" and "maximum out-of-pocket" charges.
Thomas (Tom) E. Hamilton is founder and CEO of Hamilton Edwards Benefit Partners, provider of Private Health Exchange platform of third party and insurance services. He is also founder of Benefit Partners University, a training and education program for Brokers looking to provide innovative solutions in the employer benefits market. You can click here to email Tom or reach him via phone at 704-375-1112.
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