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id="adgeletti-ad-div-PB00-0px-infinity" style="display:none"></div></div><h1>Insurance</h1><div class="cmListHeader"><p><table width="100%" border="0" cellpadding="4"><tbody><tr><td valign="top"> We have insurance on almost everything -- our health, our homes, our cars and even our lives. Navigating through all of the choices we are offered can be confusing. Let me help clear things up so you can make great choices for yourself and your family.</td><td width="10"></td><td style="font-size: 11px;" valign="top" width="175"><b>Helpful Guides and Links:</b><br><a href="/web/20130923011051/http://www.clarkhoward.com/topics/LTC_list/"> Clark's LTC Honor Roll</a><br><a href="/web/20130923011051/http://www.clarkhoward.com/news/insurance/travel-insurance/trip-insurance-guide/nFbh/"> Trip Insurance Guide</a><br><a href="https://web.archive.org/web/20130923011051/http://clarkhoward.com/p/boards/ch/postlist.pl?Cat=&Board=clarkhowardinsurance"> Discuss it: Insurance forum</a><br><a href="/web/20130923011051/http://www.clarkhoward.com/topics/insurance-resources/">Resources & Contacts </a></td></tr></tbody></table></p><h3 class="divider">Categories within Insurance</h3><ul class="category_list"><li class="sprite iconListBullet"><a href="/web/20130923011051/http://www.clarkhoward.com/categories/insurance/car-insurance/">Car Insurance</a></li><li class="sprite iconListBullet"><a href="/web/20130923011051/http://www.clarkhoward.com/categories/insurance/disability-insurance/">Disability Insurance</a></li><li class="sprite iconListBullet"><a href="/web/20130923011051/http://www.clarkhoward.com/categories/insurance/health-insurance/">Health Insurance</a></li><li class="sprite iconListBullet"><a href="/web/20130923011051/http://www.clarkhoward.com/categories/insurance/homeowners-insurance/">Homeowners Insurance</a></li><li class="sprite iconListBullet"><a href="/web/20130923011051/http://www.clarkhoward.com/categories/insurance/life-insurance/">Life Insurance</a></li><li class="sprite iconListBullet"><a href="/web/20130923011051/http://www.clarkhoward.com/categories/insurance/long-term-care-ltc/">Long Term Care (LTC)</a></li><li class="sprite iconListBullet"><a href="/web/20130923011051/http://www.clarkhoward.com/categories/insurance/mortgage-insurance-pmi/">Mortgage Insurance (PMI)</a></li><li class="sprite iconListBullet"><a href="/web/20130923011051/http://www.clarkhoward.com/categories/insurance/travel-insurance/">Travel Insurance</a></li></ul><div class="cmClear"></div></div><div class="cmListWell"><span class="cmListItemCount">99 items </span><div class="cmPaginationContainer"><span class="cmPaginationResults"> Results 1 - 10 of 99</span><a class="cmPaginationNext" href="?page=2">next ></a></div><div class="cmClear"></div><div class="list"><div class="cmListItem cmClearfix" id=""><div class="cmListImage cmPhotoBorderWhite cmLightBoxShadow"><a href="https://web.archive.org/web/20130923011051/http://www.clarkhoward.com/news/clark-howard/health-health-care/health-care-and-you-2014/nZz6T/"><img width="90" height="90" src="https://web.archive.org/web/20130923011051im_/http://media.cmgdigital.com/shared/lt/lt_cache/resize/90x90/img/photos/2013/09/19/e4/27/2BIq8limpact-health-care-reform-miamidade-71.jpeg" title="Impact of Health Care Reform i.." alt=""/></a></div><h4><a href="https://web.archive.org/web/20130923011051/http://www.clarkhoward.com/news/clark-howard/health-health-care/health-care-and-you-2014/nZz6T/">Health care and you in 2014</a></h4><p>Right now, a lot of people are getting notices from their insurers asking them to renew their policy now for 2014. I don't recommend that. Because starting Oct. 1, if you do buy your own coverage, you'll have the ability to buy through health care exchanges. As to the question ...</p><ul class="footer"><li>6:00 a.m. Thursday, Sept. 19, 2013</li><li></li></ul></div><div class="cmListItem cmClearfix" id=""><div class="cmListImage cmPhotoBorderWhite cmLightBoxShadow"><a href="https://web.archive.org/web/20130923011051/http://www.clarkhoward.com/news/clark-howard/health-health-care/obamacare-guide/nZzsM/"><img width="90" height="90" src="https://web.archive.org/web/20130923011051im_/http://media.cmgdigital.com/shared/lt/lt_cache/resize/90x90/img/photos/2013/09/01/2d/84/6793824321_8e8fcd5bc8_o.jpg" title="Obamacare rollout depends on which state you’re in" alt=""/></a></div><h4><a href="https://web.archive.org/web/20130923011051/http://www.clarkhoward.com/news/clark-howard/health-health-care/obamacare-guide/nZzsM/">Obamacare/Affordable Health Care Act Guide</a></h4><p>I know whenever I talk about the Patient Protection and Affordable Care Act (aka Obamacare), it is a political fault line in the country. Even though I have views that differ from the law of the land, it is my duty and responsibility to explain how it works and how ...</p><ul class="footer"><li>8:28 a.m. Wednesday, Sept. 18, 2013</li><li><span class="sprite iconComments"> Comments  (8) </span>   </li></ul></div><div class="cmListItem cmClearfix" id=""><div class="cmListImage cmPhotoBorderWhite cmLightBoxShadow"><a href="https://web.archive.org/web/20130923011051/http://www.clarkhoward.com/news/clark-howard/insurance/health-care-retirement-changing/nZsCW/"><img width="90" height="90" src="https://web.archive.org/web/20130923011051im_/http://media.cmgdigital.com/shared/lt/lt_cache/resize/90x90/img/photos/2012/10/23/0d/ed/mj102812mccrabbcolumn1p.jpg" title="McCrabb: New friend ‘saved my life’" alt="Hazel Davis (left) helped save the life of fellow Middletown Senior Citizen Center member Anna Thier by giving her the Heimlich maneuver during lunch at the center."/></a></div><h4><a href="https://web.archive.org/web/20130923011051/http://www.clarkhoward.com/news/clark-howard/insurance/health-care-retirement-changing/nZsCW/">Health care in retirement is changing</a></h4><p>As we ramp up for Obamacare in 2014, more retirees are being offloaded to health exchanges by their prior employers. Even though this comes ahead of full implementation of the Affordable Care Act, this move actually has nothing to do with Obamacare! IBM kicked off this trend and now Time ...</p><ul class="footer"><li>6:00 a.m. Wednesday, Sept. 11, 2013</li><li><span class="sprite iconComments"> Comments  (2) </span>   </li></ul></div><div class="cmListItem cmClearfix" id=""><div class="cmListImage cmPhotoBorderWhite cmLightBoxShadow"><a href="https://web.archive.org/web/20130923011051/http://www.clarkhoward.com/videos/clark-howard/scams-rip-offs/clarks-take-on-death-futures-contracts/vCBG2g/"><img width="90" height="90" src="https://web.archive.org/web/20130923011051im_/http://media.cmgdigital.com/shared/lt/lt_cache/resize/90x90/img/videothumbs/2013/08/29/7c/24/14f0243a-10ed-11e3-b921-0015171915d0.jpg" title="Clark's take on Death Futures contracts" alt="Clark's take on Death Futures contracts"/><span class="cmPlayBtn"></span></a></div><h4><a href="https://web.archive.org/web/20130923011051/http://www.clarkhoward.com/videos/clark-howard/scams-rip-offs/clarks-take-on-death-futures-contracts/vCBG2g/">Clark's take on Death Futures contracts</a><span class="cmSpriteContentType video"></span></h4><p>Buying someone else's life insurance policy for the right to collect that money when they die?! Ethical objections aside, are "death futures contracts" good for your wallet?</p><ul class="footer"><li>12:00 a.m. Wednesday, Sept. 11, 2013</li><li><span class="sprite iconComments"> Comments  (1) </span>   </li></ul></div><div class="cmListItem cmClearfix" id=""><div class="cmListImage cmPhotoBorderWhite cmLightBoxShadow"><a href="https://web.archive.org/web/20130923011051/http://www.clarkhoward.com/news/clark-howard/insurance/pay-you-drive-insurance-becoming-more-popular/nPccN/"><img width="90" height="90" src="https://web.archive.org/web/20130923011051im_/http://media.cmgdigital.com/shared/lt/lt_cache/resize/90x90/img/photos/2012/06/23/55/84/slideshow_556104_1986_GMC.jpg" title="Cruise-in: Hot rods, cool bikes & trucks" alt="1986 GMC V8 Auto. 4X4 Short Bed"/></a></div><h4><a href="https://web.archive.org/web/20130923011051/http://www.clarkhoward.com/news/clark-howard/insurance/pay-you-drive-insurance-becoming-more-popular/nPccN/">Save on car insurance by trading privacy</a></h4><p>There's a way to save on auto insurance that's gaining popularity, but you'll have to trade your privacy for lower premiums. Under what's generally referred to as the 'pay as you drive' model, auto insurers track your every move using small monitoring devices that can plug into your car's diagnostic ...</p><ul class="footer"><li>6:00 a.m. Monday, Sept. 9, 2013</li><li></li></ul></div><div class="cmListItem cmClearfix" id=""><div class="cmListImage cmPhotoBorderWhite cmLightBoxShadow"><a href="https://web.archive.org/web/20130923011051/http://www.clarkhoward.com/news/clark-howard/insurance/sears-darden-give-employees-vouchers-shop-health-i/nSQr6/"><img width="90" height="90" src="https://web.archive.org/web/20130923011051im_/http://media.cmgdigital.com/shared/lt/lt_cache/resize/90x90/img/photos/2012/05/08/3e/89/doctor_1.JPG" title=" " alt=""/></a></div><h4><a href="https://web.archive.org/web/20130923011051/http://www.clarkhoward.com/news/clark-howard/insurance/sears-darden-give-employees-vouchers-shop-health-i/nSQr6/">New way to buy health care at work</a></h4><p>Last year, I told you that Sears and Darden Restaurants were giving money to employees and allowing them to shop for their own health care coverage. The move predated the health care exchanges that will consumer can purchase in October ahead of the coming 2014 changes mandated by the Affordable ...</p><ul class="footer"><li>6:00 a.m. Thursday, Sept. 5, 2013</li><li></li></ul></div><div class="cmListItem cmClearfix" id=""><div class="cmListImage cmPhotoBorderWhite cmLightBoxShadow"><a href="https://web.archive.org/web/20130923011051/http://www.clarkhoward.com/news/clark-howard/health-health-care/medical-tourism-industry-is-booming/nCfW/"><img width="90" height="90" src="https://web.archive.org/web/20130923011051im_/http://media.cmgdigital.com/shared/lt/lt_cache/resize/90x90/img/photos/2012/07/06/fd/42/MP900400435.JPG" title=" " alt="Get more consumer advice on ClarkHoward.com and The Clark Howard Show."/></a></div><h4><a href="https://web.archive.org/web/20130923011051/http://www.clarkhoward.com/news/clark-howard/health-health-care/medical-tourism-industry-is-booming/nCfW/">Is medical tourism right for you?</a></h4><p>Fed up with the high cost of health care, some companies are giving incentives to employees to travel cross the country to get the surgeries they need. Smaller companies like newspaper publisher Stephens Media and mega-employers like Kroger and Walmrt either are now or will soon offer airfare and a ...</p><ul class="footer"><li>6:00 a.m. Monday, Sept. 2, 2013</li><li><span class="sprite iconComments"> Comments  (3) </span>   </li></ul></div><div class="cmListItem cmClearfix" id=""><div class="cmListImage cmPhotoBorderWhite cmLightBoxShadow"><a href="https://web.archive.org/web/20130923011051/http://www.clarkhoward.com/news/clark-howard/insurance/auto-insurers-using-level-education-and-occupation/nFhw/"><img width="90" height="90" src="https://web.archive.org/web/20130923011051im_/http://media.cmgdigital.com/shared/lt/lt_cache/resize/90x90/img/photos/2012/05/10/a9/5b/best_car_1143878a.jpg" title="No-fault auto insurance bill touted by Gov. Rick Scott has major gap" alt=""/></a></div><h4><a href="https://web.archive.org/web/20130923011051/http://www.clarkhoward.com/news/clark-howard/insurance/auto-insurers-using-level-education-and-occupation/nFhw/">Education used to set insurance premiums</a></h4><p>Some auto insurers are now giving level of education and occupation greater weight in setting insurance premiums. That makes shopping multiple insurers at the time of renewal more important than ever. A new study from the Consumer Federation of America (CFA) finds many auto insurers are setting rates not based ...</p><ul class="footer"><li>6:00 a.m. Tuesday, Aug. 13, 2013</li><li></li></ul></div><div class="cmListItem cmClearfix" id=""><div class="cmListImage cmPhotoBorderWhite cmLightBoxShadow"><a href="https://web.archive.org/web/20130923011051/http://www.clarkhoward.com/videos/clark-howard/insurance/long-term-care-insurance/v6pm5/"><img width="90" height="90" src="https://web.archive.org/web/20130923011051im_/http://media.cmgdigital.com/shared/lt/lt_cache/resize/90x90/img/videothumbs/2013/07/17/25/b2/6e23e97e-ef1e-11e2-bfac-0015173e0b6e.jpg" title="Long Term Care Insurance" alt="Long Term Care Insurance"/><span class="cmPlayBtn"></span></a></div><h4><a href="https://web.archive.org/web/20130923011051/http://www.clarkhoward.com/videos/clark-howard/insurance/long-term-care-insurance/v6pm5/">Long Term Care Insurance</a><span class="cmSpriteContentType video"></span></h4><p>Long term care insurance can help pay for nursing home care or in-home health care when you get older. Here are some rules of road when you're ready to buy a policy.</p><ul class="footer"><li>12:00 a.m. Tuesday, Aug. 6, 2013</li><li><span class="sprite iconComments"> Comments  (1) </span>   </li></ul></div><div class="cmListItem cmClearfix" id=""><div class="cmListImage cmPhotoBorderWhite cmLightBoxShadow"><a href="https://web.archive.org/web/20130923011051/http://www.clarkhoward.com/videos/clark-howard/scams-rip-offs/heads-up-a-diabolical-life-insurance-scam/v558Y/"><img width="90" height="90" src="https://web.archive.org/web/20130923011051im_/http://media.cmgdigital.com/shared/lt/lt_cache/resize/90x90/img/videothumbs/2013/07/08/35/15/55518c4e-e807-11e2-9788-0015173e0b6e.jpg" title="Heads up: A diabolical life insurance scam" alt="Heads up: A diabolical life insurance scam"/><span class="cmPlayBtn"></span></a></div><h4><a href="https://web.archive.org/web/20130923011051/http://www.clarkhoward.com/videos/clark-howard/scams-rip-offs/heads-up-a-diabolical-life-insurance-scam/v558Y/">Heads up: A diabolical life insurance scam</a><span class="cmSpriteContentType video"></span></h4><p>Life insurance companies may be trying to cheat you out of death benefits you're rightly owed after a loved one passes away.</p><ul class="footer"><li>12:00 a.m. Friday, July 26, 2013</li><li><span class="sprite iconComments"> Comments  (1) </span>   </li></ul></div></div><span class="cmListItemCount">99 items </span><div class="cmPaginationContainer"><span class="cmPaginationResults"> Results 1 - 10 of 99</span><a class="cmPaginationNext" href="?page=2">next ></a></div><div class="cmClear"></div></div><div class="cmClear"> </div><div class="cmAd cmAdContextual"><div id="writecapture80772579"></div><script type="text/javascript"> marimo.emit('writecapture80772579_ready'); marimo.add_widget({"wc_compatibility_mode": false, "html": "$NEWLINE $BEGINSCRIPT type=\"text/javascript\">$NEWLINE google_ad_client = \"pub-4927466948888122\";$NEWLINE google_ad_slot = \"7916052247\";$NEWLINE 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"https://web.archive.org/web/20130923011051/https://secure" : "https://web.archive.org/web/20130923011051/http://edge") + ".quantserve.com/quant.js"; elem.async = true; elem.type = "text/javascript"; var scpt = document.getElementsByTagName('script')[0]; scpt.parentNode.insertBefore(elem, scpt); })(); _qevents.push({ qacct:"p-38KriKc8Foyx-", labels:"personalities.radio" }); </script><noscript><div style="display:none;"><img src="//web.archive.org/web/20130923011051im_/http://pixel.quantserve.com/pixel/p-38KriKc8Foyx-.gif" border="0" height="1" width="1" alt="Quantcast"/></div></noscript><div id="writecapture64242050"></div><script type="text/javascript"> marimo.emit('writecapture64242050_ready'); marimo.add_widget({"wc_compatibility_mode": false, "html": "$NEWLINE $NEWLINE $NEWLINE$NEWLINE$NEWLINE$NEWLINE$NEWLINE$NEWLINE $NEWLINE $NEWLINE $BEGINSCRIPT type=\"text/javascript\"> $NEWLINE var vglnk = { api_url: '//web.archive.org/web/20130923011051/http://api.viglink.com/api', $NEWLINE key: '971cccb49cad97f6b28c245ac6cd69da' }; $NEWLINE$NEWLINE (function(d, t) { $NEWLINE var s = d.createElement(t); s.type = 'text/javascript'; s.async = true; $NEWLINE s.src = ('https:' == document.location.protocol ? vglnk.api_url : $NEWLINE '//web.archive.org/web/20130923011051/http://cdn.viglink.com/api') + '/vglnk.js'; $NEWLINE var r = d.getElementsByTagName(t)[0]; r.parentNode.insertBefore(s, r); $NEWLINE }(document, 'script')); $NEWLINE$ENDSCRIPT$NEWLINE $NEWLINE$NEWLINE $NEWLINE ", "id": "writecapture64242050", "widget_prototype": "writecapture_widget"}); </script><div style="display:none;" id="signIn"><div class="capture_header"><h1>Sign In / Register</h1></div><div class="capture_signin"><h2>Sign in with your existing account</h2> {* loginWidget *} <br/></div><div class="capture_backgroundColor"><div class="capture_signin"><h2>Sign in with your email</h2> {* #userInformationForm *} {* traditionalSignIn_emailAddress *} {* traditionalSignIn_password *} <div class="capture_form_item"> {* traditionalSignIn_signInButton *} <a href="#" data-capturescreen="forgotPassword" id="forgotPasswordLink">Forgot your password?</a></div> {* /userInformationForm *} </div></div><div class="capture_newUser capture_signin"><h2>New User?</h2><a href="#" class="capture_btn capture_primary" data-capturescreen="traditionalRegistration">Create a New Account</a></div></div><div style="display:none;" id="returnSocial"><div class="capture_header"><h1>Sign In / Register</h1></div><div class="capture_signin"><h2>Welcome Back {* welcomeName *}</h2> {* loginWidget *} <div class="capture_centerText switchLink"><a href="#" data-cancelcapturereturnexperience="true">Use another account</a></div></div></div><div style="display:none;" id="returnTraditional"><div class="capture_header"><h1>Sign In / Register</h1></div><div class="capture_backgroundColor"><div class="capture_signin"><h2>Welcome back. 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