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One of the most frustrating aspects of a hard market is how some are more adversely affected than others. Most home and business owners have seen some increases in their lines of insurance. However, others who are in a high-risk industry have seen exponential increases.

PASADENA, CA - NOVEMBER 19: A healthcare reform specialist helps people select insurance plans at the free Affordable Care Act (ACA) Enrollmen…

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Scott William Dunn died peacefully on March 22, 2021, surrounded by his loved ones. Scott was born June 19, 1952 in Denver, Colorado to Norman…

Ronald Arthur Foster passed away on Saturday, June 27, 2020 in Memory Villas at Bishop Place in Pullman, WA where he resided for the past year.

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Because coronavirus is now a known event, you probably won't be covered if you want to cancel your trip, unless you have cancel-for-any-reason…

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A 1095 form with proof of your health care coverage should come from your employer or from a health care exchange, depending on your situation. The Tax Cuts and Jobs Act of 2017 (TCJA) removed the penalty for not having insurance (aka the individual mandate), so you won't be penalized for not having coverage in tax year 2019. However, if you did buy insurance, you should receive a 1095.