State officials explain what a health insurance exchange would mean for Wyoming What would health insurance exchange mean for Wyoming?Becky Orr
When looking to purchase healthcare coverage, you have two options: on and off exchange health insurance plans. On exchange health insurance requires you to shop for coverage at a government insurance marketplace, such as HealthCare.gov or a specific state-run entity. These types of market...
Many insurance policy types are available, and virtually any individual or business can find an insurance company willing to insure them, for a price. Commonpersonal insurancepolicy types are auto, health, homeowners, and life insurance. Most individuals in the United States have at least one of ...
Universal life insurance (UL):This is a type of permanent life insurance includes an interest-earning cash value. Unlike term and regular whole life policies, you may be able to adjust yourUL policypremiums over time, potentially accepting less coverage in exchange for lower payments, making it ...
A Single Premium Immediate Annuity (sometimes referred to as an "SPIA") may be the right annuity for you if you are looking for payments that begin right away and continue for the rest of your life or for a specified period of time. The annuity is purchased from an insurance company with...
There are a few key definitions in the law: the NJDPA defines “sale” as “sharing, disclosing, or transferring” data for money or other valuable consideration, similar to California’s law. A “controller” is an individual or legal entity that determines the purpose and means of processin...
The Health Insurance Portability and Accountability Act (HIPAA) of 1996 is the primary law that oversees the use of, access to and disclosure of PHI in the United States. HIPAA defines PHI as data that relates to the past, present or future physical or mental health of an individual; the...
Mutual funds and exchange-traded funds, or ETFs, each offer investors exposure to many stocks. These funds offer a simpler path to investing in the stock market and do not require as much involvement from investors. Some funds track popular indexes and help investors match market returns instead...
ISO 22301 defines business continuityas “documented procedures that guide organizations to respond, recover, resume, and restore to a pre-defined level of operations following disruption.” Disaster recovery is a subset of business continuity that involves restoring IT services, incrementally if necessary...
The best place to keep your emergency fund is in a high-yield savings account, which offers easy access and pays a competitive yield. Look for banks and credit unions that insure deposits through the Federal Deposit Insurance Corp. (FDIC) or the National Credit Union Administration (NCUA). Wh...