Herb Z.

This website has general information for those who have their own insurance. But it gets an "incomplete" for those who have employer insurance or Medicare supplement insurnace, as retirees. For example, retiree-only health insurance is explicitly exempted by the Affordable Care Act and this fact is very, very hard to find. Also, CMS has given waivers to many health insurance plans that are employee-sponsored. One example from heathcare.gov at http://www.healthcare.gov/law/features/rights/sbc/index.html: "All health plans must provide an SBC to shoppers and enrollees at important points in the enrollment process, such as upon application and at renewal." This simply is not true.