Health Insurance for Small Businesses
Small is a relative term. Working with “Small” businesses for over a decade now it is clear that though their number of employees may be small their health insurance bills can be awfully big! Sometimes the numbers can be staggering, employers paying well over $500 a month for an employee […]Read More
The Insurance Broker Advantage
Dealing with insurance coverage these days seems to require a certificate in insurance studies. Everything from the language and special terms to the cost and complexity can intimidate and frustrate even your most savvy consumers. To make things worse new lines of insurance are becoming available every year. You can […]Read More
Did Obamacare make insurance cheaper?
The Affordable Care Act (ACA) has been a divisive piece of legislation since it was passed into law back in March of 2010. Now over five years later we thought we would take an objective look at the law to see if it accomplished its number one goal. Namely to […]Read More
How much does health insurance cost?
This is a loaded question! The answer depends on so many different factors. Below we have broken down into categories the types of health insurance you might be looking for and some of the factors that affect the premium. Some may seem obvious and others will definitely surprise you. Individual […]Read More
It’s not your deductible, it’s not a co-pay it’s… coinsurance! Health insurance used to be simple. Well that’s not really true but at least is was easier to understand than the policies being issued today. Part of the reason for the complexity of the new Affordable Care Act compliant policies […]Read More
ACA Medical Loss Ratio Rebates
The Medical Loss Ratio (MLR) provision of the Patient Protection and Affordable Care Act (PPACA) that was passed by Congress in March 2010 and recently upheld by the U.S. Supreme Court was supposed to drive down the cost of health insurance coverage. One of the ways it was going to […]Read More
What goes towards my health insurance deductible?
The Affordable Care Act’s Tax penalty for citizens that do not obtain health insurance has inspired quite a few people to shop for health insurance for possibly the first time in their lives. The new shoppers tend to have a lot of questions and one of the more popular ones […]Read More
ACA Employer Penalties
The Affordable Care Act has been around for a while and by now most people are well aware of the potential tax penalty individuals may have to pay if they do not carry ACA qualified health insurance . However the ACA legislation also levied tax penalties at businesses both small […]Read More