Welcome to my Observations on Health Insurance Blog

With this blog I want to share with you my thoughts and perceptions of the ever changing world of Individual Health Insurance in the state of Colorado. I hope to be able to bring you new information, as well as possible different perspectives on an industry I am involved with every day.

Charley Mallon
Boulder, Colorado
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How is my Newborn Covered by My Health Insurance in Colorado?

Under Colorado law, your child will automatically be covered by your (father or mother) insurance plan for the first 31 days of life, without notification or payment of premium.

If you do notify your plan of the child’s birth within the first 31 days, he or she will automatically be added to the plan going [...]

Shortcomings of Short Term Insurance

You may be playing with fire when you sign up for a Short Term health insurance policy.

Short Term health insurance plans are promoted by health insurance companies to cover gap periods in health insurance coverage. For example, between when person graduates from college and when they find a job that offers benefits, or perhaps when [...]

Are Health Insurance Companies Leeches and Parasites?

I don’t believe so, but that is what I read in a recent comment section of an on-line article about health insurance.

Health insurance premiums have been going up at a much faster rate than inflation in general and many people attribute that to exorbitant heath insurance profits. But the truth of the matter is [...]