Supreme Court Rules in Favor of Hobby Lobby

Supreme Court ruling on healthcare and morality The Supreme Court ruled that “closely held” companies can, on religious grounds, opt out of a federal healthcare law requirement that companies provide contraception coverage for employees. A closely held company is one with 50% of its stock owned by five or fewer owners — a definition that applies to […]

All about small group self-funded insurance plans for Indiana

Self-Funded Plans What is a self-funded plan? It’s where an employer provides health benefits to employees out of the company’s own pocket. We have seen the introduction of self-funded plans for small groups in Indianapolis. Small employers are looking for options to try to control rate increases caused by the Affordable Care Act. The self-funded […]

SHOP: Multiple Choice on The Exchange for Small Groups

One of the points of the Affordable Care Act was to increase choices for insurance, both for small groups and individuals. That’s been the case, to a certain extent, but it’s worked out better in some situations that others. Under the ACA, the exchange is suppose to offer small-group health insurance choices. These plans would […]

Congress Backs State Medical Marijuana Laws

The Republican-majority House of Representatives voted in favor of blocking the federal government from interfering with states that allow medical marijuana. The vote was 219-189, with many moderate and libertarian-minded Republicans joining most Democrats in passing the measure. This is an unusual break from party lines and suggests a fundamental shift in how Congress, and […]

Who Pays the ACA Related Costs for Group Plans?

A topic that will likely be addressed at your next next health insurance renewal meeting is likely going to be: Who will pay the Affordable Care Act related fees? Will it be the employees, employers… or both? Let’s find out more about what each of these ACA fees are and how much they will cost […]

United Health One Rate Increases

If you have a United Health One policy you may have experienced a rate increase this year. This has become a major problem, not just from a cost standpoint, but also from a Qualifying Life Event (QLE) standpoint. United Health One made a decision to move the renewal date of their Indianapolis members to December […]

Small Group Health Insurance Renewal

Small group health insurance renewal from July 1 to the end of the year just got really interesting. If you have been following my blog posts, then you may have read an article titled “What Is “Grand Mothering” And How It Will Impact You?” Grand Mothering is the ability to keep your current group health […]

Moving Employees To Guaranteed Issue Health Plans

Is it legal to move an employee from my group health plan to the a guaranteed issue individual plan? This is a big question with a lot of money on the line for employers and insurers. During open enrollment (October 1, 2013–March 31, 2014), anyone could have purchased a health plan either on or off […]

Are You Eligible For Special Enrollment?

Did you or a loved one lose health insurance coverage in the last few weeks? You might still be able to get insured under special enrollment if you have a qualifying life event. Every health insurance provider has different requirements to get insured, but they all follow the same set of guidelines put in place […]

No Repeal in Sight for ACA

Senator Rand Paul has been one of the biggest critics of the Affordable Care Act. You might remember when he took out a policy on the marketplace for his family, which placed his son in Kentucky on Medicaid. He told the public over and over his woes of trying to sign up, trying to pay […]