We were uninsured for awhile, and honestly, it wasn't that bad. We had a 94% discount from the hospital we used and had a great experience with them for many years. Fast forward to last year, we officially got insurance. Cigna. We have an HSA account and a high deductible. We spend SO much money, but I view this as paying for peace of mind so if anything horrendous happened we would be covered. Now, I just got word that our hospital is discontinuing service with Cigna and everything is going to be considered out-of-network. This is a blow to our family because 2 out of the 4 of us require specialists. My son is medically complex and the hospital has a children's hospital wing where he sees 5 specialists a year and may need surgery in the coming years. I've spent years finding a medical team that works for our family and they're all at this establishment. It's all being pulled out from under us...it takes effect in 3 weeks. I don't know what to do now....should we go back to being uninsured? How do we shop around for insurance? Should I look into catastrophic insurance? A friend recommended US Health Group but after searching this sub I'm hesitant. Key points: 1) We make too much money for any form of government assistance (however, we are NOT wealthy) 2) We live 2 hours away from the next closest children's hospital and I have yet to find out if they accept Cigna. 3) How do I vet an insurance company? TIA

My car insurance was already extremely high (young driver, NYC), but my policy is set to renew after this month and I just got a notice that it’s going to be even higher. I called Geico customer service to ask what changed, especially since I hardly ever drive anymore (I began driving because I went to college out of state and enjoy the occasional trip to nearby states) and the last time my policy was adjusted, there was a big drop in the payment. Plus, I’ve never been in an accident and don’t have any tickets. The answer I got was that essentially, car insurance is up in New York State, and the adjustment reflects that. I can’t comfortably afford my new insurance rate, and my car is financed, so I’m not really sure what to do. Please help! I checked some other providers, but the quotes were much higher. Over $1,000 per month, so that’s absolutely not an option. Has anyone ever been in this situation? Honestly, since I don’t drive much anymore and NYC has the MTA, I’m willing to give up my car if it’s possible, I’m just not sure if that’s really an option?

I was previously with ManyPets and paid about $64/month for my pet’s insurance. Now that ManyPets has discontinued its US operations, my policy is being transitioned to Odie. However, under this transition I’m forced to pay $71/month for a plan that only offers a $20k annual limit at 90% reimbursement. What makes it worse is that new Odie Direct customers can get a policy for $37/month with a $40k annual limit—but of course, switching to that means starting a new policy (with waiting periods and loss of coverage for pre-existing conditions). I had no say in this change, and I’m feeling like I’m being unfairly charged more for lower benefits. Has anyone else experienced something similar? • Is there any legal angle or consumer protection law that might help contest these changes? • Should I try negotiating further with Odie or consider switching to Odie Direct despite the downsides? • What have your experiences been in situations like this? Any insights, advice, or similar stories would be greatly appreciated!

I am being found partially at fault for an accident I was not involved in, and I need some advice. Here's the situation: I was driving up to a busy intersection where the traffic lights were not working. I was in the left turn lane, waiting for my turn to go. Cars to my left were crossing, and once they passed, it would be my turn to proceed. As those cars started passing, I began to pull out, but I noticed a car behind them, still approaching the intersection. This car did not stop and just went through, even though it was not their turn. I kept going a little, hoping they would stop since it was clearly not their turn, but when they didn’t, I stopped to let them pass. At this point, I was already in the intersection, close to their path but not in the way. They could have passed me without hitting me. However, as they started to pass and I was completely stopped, they suddenly swerved left. I think they either didn’t notice me initially or assumed I was still moving forward, and they ended up hitting the car in the lane to their left—another car that also went out of turn. Since I didn’t think I was involved in the incident, I didn’t stop and just continued on my way. About a week later, I received an email saying that a claim had been filed. The car that was hit was a Tesla, and it had a camera that recorded my license plate number. I called my adjuster, and they told me the police report placed me at fault. The report claimed the officer saw video footage from the Tesla showing that I didn’t have the right of way and went when it wasn’t my turn. I asked my adjuster if he had seen the footage, and he said the attorney (both cars are claiming injuries and filing lawsuits) had sent only the footage from the Tesla's side camera. The attorney refused to provide footage from the front camera. Even from the side camera, my adjuster noticed a car ahead of the one that swerved which would indicate they went behind the car in front of them and did not have the right of way because they never stopped at the stop sign., but when he pointed it out, the attorney claimed he was mistaken and insisted the other driver had the right of way, not me. They refuse to provide any other videos or even a longer version of the video that would show they never stopped at the intersection. I actually have a dashcam in my car, but I didn’t think to save the footage, and by the time the claim was filed, it had been overwritten on my memory card. I gave a full statement to my adjuster detailing my version of the incident. I also contacted the insurance companies for both other vehicles (both GEICO), and they said they were accepting 100% liability for the car that swerved and didn’t need my statement. Two weeks later, my adjuster called and told me that, because the police report said the officer saw video footage placing me at fault and both claimants agreed I was at fault, he would be accepting 50% liability and paying out policy limits to the injured parties. Is there anything I can do at this point? I requested the body-worn camera footage, but it would cost $245 and wouldn’t be available for 6-9 months, so that seems pointless. I am actually a PD claims adjuster myself, but I’m just flabbergasted and don’t know what else I can do.

Is there a difference in how United Healthcare covers their insureds if it’s through the workplace vs the ACA (marketplace)? I currently have UHC through my work and it’s not as bad as people say. I’m thinking about retiring early and getting UHC via the marketplace but I’ve been reading there is a huge rate of denials or delays for basic care. Is there a difference between the two? Anyone had UHC via their work and then switched to the ACA UHC?

I’ve had liberty mutual since i leased my Jetta in 2021. My rate was $145/month until jul 2023, when my coverage renewed and then it increased to $197. Then increased again to $225 in jul 2024. I called and spoke to an agent to ask about the increase and they said it had nothing to do with my credit and that rates were simply rising across the board… In 2022 I had a small fender bender with someone while parking, my insurance covered it i think. I never followed up with my insurance to see if they actually filed a claim. In 2023 my car was side swiped by someone parallel parking and they left a note and their insurance covered the damage and repair. But that was the only accident i had. No speeding tickets, but i did have many parking tickets (my city is brutal). Now I’m wondering if I should shop around, but seeing other peoples posts im not sure if $225 is even that high rn? My credit score is 759 and I make $72,800 a year before tax.

I got a new puppy (7 weeks old). Got embrace pet insurance that same day. Took her in for her first vet appointment as a good pet owner should about a week later. Obviously this was still during the illness waiting period. But it appeared I had a nice healthy puppy. Turns out she has a heart murmur. First vet graded it as a grade 4 and told me to see a cardiologist. I went and got a second opinion and they graded it as a grade 3 and we are going to watch it and see if it goes away in the next couple months. Anyway, embrace pulled the SOAP notes from the 2 vets and are saying it's not covered as it's a preexisting condition. I plan on appealing it, even going to the California insurance board or whatever it's called if I have to because it seems like that is such BS. I'm being punished for taking my pup to the vet too soon. My question is, what is the best way to word the appeal to the embrace adjuster? It's not right that an 8 week old puppy getting it's very first exam should get that classified as a preexisting condition.

I currently have condo insurance with Mercury, but their dwelling coverage isn't high enough, so I asked my Mercury agent how much it would cost to buy more dwelling coverage. He didn't respond for almost 3 weeks, which was concerning and surprising because when he were wooing me, he responded within hours. I shopped around and got a slightly lower quote from Progressive. The low cost is nice, but I'd rather go with the company that'll actually pull through in case something happens. I read a bunch of reddit posts about both Progressive and Mercury, but the experiences all seem so varied and I have no idea who's the most reliable. Sadly, they both seem kind of shitty, but we're strapped for options in California and I can't find anyone else who will take me. I've looked on various insurance ranking websites, but so many sources contradict each other. (For example, Mercury won best insurer in 2021 with JD Power but they have a low star ranking for customer satisfaction with NerdWallet.) With so much contradictory and anecdotal information, how does one even choose a home insurance company? It doesn't seem like there's a general consensus on reddit either about one company over the other.

So I had an HSA with H.E. sponsored by my last job, closed it when I left that job. At a new job. Enrolled in their HSA program. HealthEquity has yet to populate my new HSA account or the contributions I've made so far. It doesn't show up in my member portal. I still see my account with previous employer listed in historical. My question is: does each employer make their own sponsored HSA account in my member portal or do all employers just take over the existing "personal" account when I leave a job? I thought every new job would open a new HSA, but now I don't know since I'm having these issues.

How accurate does the quote be when “dealership” works with multiple auto insurance companies to get you the best rates possible. Family member (new driver), called Geico for a quote and was given a high rate. She went to a dealership to see a vehicle that she was interested and left the dealership with the vehicle. Her word was “the saleperson and the person that deals with insurance at the dealership was able to get her a better deal. I tried to tell her dealership just do their quote online and uses that to bait customers into buying the vehicles. Dealer: Geico- $1983 for 6 months full coverage Family member: (over the phone): Geico - $5,400 for 6 months full coverage Thanks for y’all feedbacks.