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For those that don't already have health insurance through their employer, the Affordable Care Act provides a marketplace for insurance plans. Known more broadly as Obamacare, the ACA also requires everyone to have some health insurance plan while guaranteeing coverage regardless of pre-existing conditions.

So, when do you need to enroll? And when is it too late to get health insurance coverage for 2019 under Obamacare?

Who, exactly, is the U.S. government, whom do they serve, and who will represent their interests in court? Those questions are brought into sharp relief when discussing Obamacare -- or the Affordable Care Act -- a landmark piece of legislation passed by Congress under the previous president, much to the chagrin of many in the Republican party. While the vast amount of Americans are pretty pleased with the expansion in health insurance coverage, Republican lawmakers have continued to attack the ACA, and the new Republican president has made sure his administration will not defend the law in court.

But the new House of Representatives, with a new Democratic majority, decided it would take over that defense. Democrats voted to direct the House's Office of General Counsel to represent lawmakers in any litigation involving the ACA, and allow the House to intervene in ongoing ACA litigation. With two branches of the U.S. government battling in front of the third branch about legislation proposed and passed under former administrations, where does that leave Obamacare?

By some estimates, there are around 6 million car accidents every year, injuring some 3 million Americans. Many of those accidents are simple fender benders, and most are covered by insurance. But some can involve serious injuries, and insurance doesn't always compensate you for all the costs.

So, you might be considering filing an injury lawsuit, and you'll definitely need to tell your insurance company about the accident. But when is it too late to do either of those things?

When to Get a Lawyer for Hurricane Damage

With hurricane season upon us, odds are at least one hurricane will cause massive damage. Insurance policies may, or may not, cover these costs. If the stakes are high, you don't want to risk finding out what is covered, or more painfully, what isn't covered, until it's too late.

To minimize your exposure, consider hiring a lawyer to help guide you through this process. It may be less expensive than you think!

Patients With Passports: Is Medical Tourism Legal?

The health care industry is in a state of flux, and not just over the Affordable Care Act. Medical tourism, when patients travel to foreign countries for medical care, is a burgeoning trend. In 2014, 1.4 million Americans embarked on medical tourism, and that figure is expected to climb.

Some travel abroad to get procedures that have not been FDA approved here in the U.S., such as stem cell therapy and assisted suicide. But medical tourism is not just for the rich and risky. It is now the option of choice for lower income and under-insured patients that can only afford a $12,000 Thai heart bypass instead of a $210,000 one here in the U.S.

The largest U.S. health insurance companies will now cover medical tourism costs, including healthcare and travel fees for patients and companions. Anthem Blue Cross, BlueShield, UnitedHealth Group, WellPoint, Humana, and a host of others will cover these costs for customers. Should you go for your next procedure?

It seems like there's not a corner of our daily lives that some kind of insurance policy doesn't creep into. When we wake up in the morning, our homeowner's insurance covers fire and (possibly) flood damage. On our commute to work we might be protected by our auto insurance or a municipality's policy if we're on public transit. Most often, we get our health insurance from our jobs, and if we're hurt on the job, workers' compensation might cover medical bills or lost wages. Having people over for dinner that night? That same homeowner's policy might cover a guest's slip and fall accident on your property.

Needless to say, there's no end to the number and type of insurance claims you might need to make, but is there a deadline to file an insurance claim? Here's a look:

It may seem odd: you just gave birth to your child, you're just getting settled at home, and maybe finally going through some mail that piled up, and you see a letter addressed to your new baby. And it's not just any letter -- it's a bill from the hospital, for vaccinations, "newborn nursery," or even out-of-network services.

So why might your baby get billed for its birth, how do you plan for it, and are you responsible for paying the bill?

Can I Self-Insure My Car?

The purpose of insurance to guard against loss or damage. For example, health insurance is there to help you pay for medical costs that would otherwise be too expensive for most people. Insurance can also specifically protect someone other than the person who is insured.

A good example of this is life insurance, which would provide money to named beneficiaries in the event that the person who's insured dies. Some insurance is required by law, while others are simply an option. One type of insurance that states usually require their drivers to have is car insurance.

After three failed attempts by Congress to repeal Obamacare, President Donald Trump took matters into his own hands last week, signing an executive order reshaping how people get insurance through work and threatening to end federal subsidies to insurance companies under the Affordable Care Act.

"I just keep hearing repeal-replace, repeal-replace," Trump said while signing the order. "Well, we're starting that process." So what does the executive order do, and what could ending subsidies mean for your health coverage?

As fires in Sonoma County, California rage on, the first concern is safety: getting residents out of harm's way and getting injured residents necessary medical treatment. And when the flames are out, people will turn to rebuilding and compensation for property lost to the fires.

Most residential and commercial property owners will turn first to their insurance policies, fingers crossed that they cover fire damage and natural disasters. If you're filing an insurance claim after a fire -- or wondering if your policy covers fire damage -- here's what you need to know: