Irving Health Insurance: Navigating the Biden Administration’s New Proposals

by | Aug 23, 2023 | Insurance, Our Blog


  • A brief on the national healthcare changes under the Biden Administration.
  • The relevance of these changes for Irving residents.

Understanding ‘Junk’ Insurance: A Deep Dive

  • What is ‘junk’ insurance and why it matters.
  • Historical shifts: From Obama to Trump and now Biden.
  • Implications for those considering Health Insurance in Irving.

The No Surprises Act: What It Means for Health Insurance Irving

  • Overview of the No Surprises Act and its inception.
  • How some entities are trying to bypass the rules.
  • The Administration’s stance and its impact on Irving residents.

The Hidden Costs: Facility Fees and Medical Credit Cards

  • Unraveling the mystery behind facility fees.
  • The rise of third-party medical credit cards and their implications.
  • How Irving Health Insurance Agents can guide residents through these complexities.

Prescription Drugs: Savings on the Horizon

  • The new spending cap and its projected benefits.
  • What this means for seniors and Part D beneficiaries in Irving.


  • Recap of the Biden Administration’s health care proposals.
  • The importance of consulting with an Irving Health Insurance Agent for tailored advice.


Irving Health Insurance: Navigating the Biden Administration’s New Proposals

How the Biden Administration’s Healthcare Actions Impact Irving Residents


Hey there, Irving residents! It’s Rick Thorton here, your go-to Irving Health Insurance Agent. There’s been a lot of buzz lately about the changes the Biden Administration is bringing to the healthcare landscape. Let’s dive deep and understand what these changes mean for us here in Irving and how they might affect our health insurance choices.

Understanding ‘Junk’ Insurance: A Deep Dive

You might’ve heard the term ‘junk’ insurance floating around. But what does it really mean? And more importantly, why should you care?

  • What is ‘Junk’ Insurance and Why It Matters

Essentially, ‘junk’ insurance refers to those short-term health plans that often skip out on essential coverages. Think mental health, prescription drugs, and even pre-existing conditions. For many, these plans can lead to unexpected high medical bills, leaving families in a financial crunch.

  • Historical Shifts: From Obama to Trump and Now Biden

The landscape of these plans has shifted over the years. While the Obama administration limited these plans to three months, the Trump era saw them extended to 12 months, with a renewal option for three years. Now, under Biden, we’re looking at a proposed limit of three to four months. It’s a whirlwind, right?

  • Implications for Those Considering Health Insurance in Irving

For us here in Irving, it’s crucial to be aware of these shifts. If you’re considering a short-term plan, it’s more important than ever to consult with a trusted Irving Health Insurance Agent (like yours truly) to ensure you’re making the right choice.

The No Surprises Act: What It Means for Health Insurance Irving

The No Surprises Act is another hot topic that’s been making rounds. Let’s break it down.

  • Overview of the No Surprises Act and Its Inception

Introduced in January 2022, this act aims to protect patients from those unexpected medical bills that can often blindside us. We’ve all been there, and it’s no fun.

  • How Some Entities are Trying to Bypass the Rules

While the act is a step in the right direction, some crafty players are trying to find loopholes. For instance, some health plans are claiming they aren’t “technically in-network” with certain hospitals. It’s a sneaky move, but the Biden Administration is on it.

  • The Administration’s Stance and Its Impact on Irving Residents

For us in Irving, this means more protection and transparency when it comes to our health insurance. It’s a win-win, but always be sure to stay informed and consult with your Irving Health Insurance Agent for the best advice.

The Hidden Costs: Facility Fees and Medical Credit Cards

Now, let’s talk about those pesky hidden costs.

  • Unraveling the Mystery Behind Facility Fees

Ever been surprised by a ‘facility fee’ for services outside of hospitals? You’re not alone. The Administration is now pushing for these fees to be made public, ensuring we know what we’re getting into.

  • The Rise of Third-Party Medical Credit Cards and Their Implications

More and more, healthcare providers are offering these cards to help patients manage care costs. But beware: they often come with high interest rates and hidden fees. Always be sure to explore all your options, and when in doubt, reach out to a Health Insurance Irving expert.

Prescription Drugs: Savings on the Horizon

Good news for those of us relying on prescription meds!

The New Spending Cap and Its Projected Benefits

The Biden Administration has introduced a spending cap, limiting out-of-pocket expenses to $2,000 a year, set to kick in by 2025. For many in Irving, this will be a game-changer.


Navigating the world of health insurance can be tricky, especially with all the changes coming our way. But remember, you’re not alone in this. As your dedicated Irving Health Insurance Agent, I’m here to guide you every step of the way. Let’s work together to ensure you and your family are protected and informed. After all, your health and peace of mind are worth it.

Until next time, stay safe and stay insured, Irving!