The IDOI Explains the 72% Health Insurance Increase

By now, you might have heard that the Indianapolis Department Of Insurance projected a 72% increase in individual health insurance market for Indianapolis. The IDOI has also released the Individual Insurance Market Report, which goes on to explain this projected increase. This is a legitimate explanation for the increase, and the only thing that is not included […]

The Basics of the Affordable Care Act

Is Health Care Reform just what the doctor ordered? The Affordable Care Act includes many provisions designed to help consumers obtain health insurance either through the exchange or free market. The law is meant to give access to health insurance while at the same time control costs. Here are the key provisions that will impact […]

Medical Mutual to Exit Indiana Market

Medical Mutual of Ohio has decided to exit the Indianapolis market for group and individual health insurance. This is a real blow to competition in the small group and individual health insurance market. Medical Mutual was a good carrier in the small group market, which gave a nice level of competition  to the national carriers. They […]

Delay In The Health Insurance Exchange

According to this article from WSJ, health insurance exchanges are falling behind schedule, and there is a risk that they won’t be ready to open in time by October. There are multiple news organizations that are commenting on the two reports from the Government Accountability Office. “Whether [the government’s] contingency planning will assure the timely and […]

Group Health Insurance Options

With Health Care Reform there is a lot of uncertainty in the market place. You do have options! The 1st option is to go with a fully insured health plan. As you may know there are only a few companies that are competitive. We will deliver you the most competitive plan. Our relationships with the […]

Fully Insured Rate Increases Under ACA

We are starting to see projections of the rate increase fully insured group health plan can expect. 30%-50% increases in fully insured premiums under the health care reform laws. These are huge increase that very few small group or large group plan will be able to afford. These increase are due to different aspect of […]

Agents Will Be Part of Health Care Reform & Our Advice is Still FREE

There has been a lot of news about the government trying to replace Health Insurance Agents with non-licensed, non-insured and in-experienced “navigators” whom will be paid by the government and have less than 20 hours of training. The government has now realized they cannot successfully implement this extremely complicated law without agents. The government is now […]

Employer Mandate Calculator

Employer Mandate Calculator Many people have heard of the employer mandate. Under Health Care reform, employers with more than 50 full time employees to offer health insurance to their employees. IF they don’t they will have to pay a penalty that is not tax deductible. They may also have to pay a penalty if any of their employee get subsidies through […]

The Complexity of Health Care Reform

AMEDNEWS Here is a great article about how complex and difficult health care reform is. Under the ACA, all medical practices have to go to Electronic Medical Records (EMR). The thought behind this is that it would help end any unnecessary test and improve the out come of patients care. CMS thinks, that EMR may be leading […]

President Says The Public Does Not Know The Health Care Law

Bloomberg The President of the United States recently spoke about the new health care law. He stated that the public does not know about the benefits of the new law.  Most of Congress does not know about the benefits of the new health care law. Anytime you have a 2,000 page law and then another 15,000 pages […]