2017 Healthcare Reform Debate
As we get ready for the repeal or potential defunding of the Affordable Care Act, the debate on healthcare reform will top news. From Washington DC to kitchen tables across America, everyone will be more involved this go around. Both the critics and supporters of “Obamacare” really have very little knowledge of the realities of […]
Health Care Reform Now & Tomorrow
This being our 4th open enrollment under the Affordable Care Act (Obamacare), we have experienced health care reform from a unique view point. I have enrolled Hoosiers from every walk of life, in almost every county in the state of Indiana. Being a top producer for the health insurance companies, this allowed us to become […]
2017 Health Insurance Open Enrollment
Indiana Health Insurance Company We are now three weeks in the Affordable Care Act’s 4th open enrollment. It is fair to say this will be the last open enrollment under “Obamacare”. A new system of health insurance for the individual market will be developed for 2018 and beyond. For 2017, it’s important to realize that […]
2017 Individual Health Insurance
2017 rates and plan designs have been approved for Indiana. November 1st will be the start of another open enrollment under the Affordable Care Act. There will only be a handful of carriers on and off the exchange. Anthem will be the only state wide individual carrier for on and off. IU health plans, will […]
Small Companies Qualifications for Group Health Insurance
Group Health Insurance Guidelines These guidelines are state specific to Indiana. We have been receiving a lot of inquiries, about how a small group can qualify for group health coverage. Here in Indiana and the rest of the country, there are a lot of independent consultants in the work force. With the passing of the […]
The Reality of the Affordable Care Act
With this year’s open enrollment getting closer, one thing has become very clear, the individual health insurance market is near complete collapse. For Indiana, we have seen Humana, Assurant, UnitedHealthcare, & now Physicians Health Plans all exit the individual market. Every carrier has had different situations for leaving, but one thing in common between […]
Going Back to Group Health Coverage
When the Affordable Care Act was put into motion, many small Indiana companies chose to drop their group health plan. At that time, it was the right decision for multiple of reasons. To start with, individual plans were no guaranteed issues under the ACA. One of the biggest benefits to group health plans is they […]
Aetna Withdraws from Indiana Individual Market
Aetna had filed with the Indiana department of Insurance to offer individual plans for 2017. Aetna was to be a welcomed option for individual policies, especially because it looked like they were going to the Franciscan Alliance as their network. Recently, Aetna announced that they were withdrawing their filling, from Indiana and 4 other states. […]
Group Health Plan Renewals Under the ACA
For companies with less than 50 employees and that have a ACA compliant group plan, renewals are difficult to understand. Pre ACA group plans, renewals were based on claims and medical trend. Renewal rates were easy to understand, if you had a bad claim year, then you saw a significant rate increase. If you had 22 employees on […]
What is COBRA
What is COBRA? It is the Consolidated Omnibus Budget Reconciliation Act of 1985 COBRA is a law passed by the U.S. Congress in 1986 that mandates an insurance program to give eligible employees the opportunity to continue health insurance coverage after experiencing the loss of active coverage What Employers are Subject to COBRA? Almost all group health […]
