Failure of the ACA Risk Corridors

A federal appeals court ruled that the federal government is not obligated to make risk corridor payments. Risk Corridors has become one of the major flaws with the Affordable Care Act law. Risk Corridor: Risk Corridor is to limits health insurance companies on profits and losses. By redistributing dollars from insurance companies with lower-risk members […]

Indiana Association Health Plans (AHPs)

Association Health Plan is where members can purchase health insurance that is specifically designed for that organization.   At the end of 2017, President Trump issued an executive order that would allow for group of people to purchase associations health plans that are not required to cover the essential health benefits (EHBs) of the affordable […]

Interview About Proposed Marketplace Spikes

Recently I was interviewed by Indiana Public Media about proposed marketplace spikes. In the article it mentions that four out of the six insurance companies planning to offer coverage to Hoosiers through the federal healthcare exchange next year are proposing double-digit rate increases for individual premiums, according to proposals filed with the Indiana Department of […]

2016 Group Health Insurance

The Affordable Care Act (ACA) is close to full implementations for employer-sponsored group health plans. The ACA has had mostly negative impacts on the small group market for Indiana and the rest of the country.  Any group under 50 lives, now has no underwriting for fully insured coverage. This has created large rate increases for […]

Senior Health Insurance Open Enrollment

For this years’ senior open enrollment starting November 15th, Nefouse & Associate will be offering health insurance options in the over 65 market. The over 65 health insurance market, may be the most confusing health insurance market. Having been in the individual health insurance industry since 1998, senior health insurance is the most confusing for […]

Anthem Buying Cigna

Anthem is buying Cigna for $48 Billion! This buyout would create the largest health insurance company in the US.  It’s estimated that Anthem would then cover over 53 million belly buttons. Currently, Anthem is the 2nd biggest insurer and Cigna is the 4th biggest. This buy out creates less competition for the consumer, business, or medical […]

Anthem Network Expansion!

St. Vincent’s and Anthem have come to an agreement for Anthem’s individual health insurance network. This is a large expansion of the Pathway X HMO/POS network. Now all Anthem individual policy holders both on and off the exchange will have access to utilize St. Vincent’s medical services. Learn more here When the Affordable Care Act […]

A Broker’s View on the Save American Workers Act

The Save American Workers Act is a Bill Authored by Rep. Todd Young that would change the definition of a full-time employee under the Affordable Care Act (ACA). The current definition states that any employee working more than 30 hours a week qualifies for employer sponsored group health benefits. Also under the ACA is the […]

Insurance Plan Options for Indiana

Under the Affordable Care Act (ACT) Also known as “Obamacare”, the law has tried to make plan options easier for people to understand. We now have 4 categories that are described as metallic. Bronze, Silver, Gold, and Platinum. These categories are for individual and group health plans both on and off the exchange. These descriptions […]

Anthem Small Group Renewals in Indiana

This is possibly the most interesting time in small group health history locally, not to mention the rest of the country. Anthem releases 4th quarter renewals Small group health insurance renewals have been released for the 4th quarter from Anthem. “WOW” is all I can say! The renewals that are being released are all “grandmothered.” This […]