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 […]

Less Than 100 Days Before The Exchanges Open!

We’re less than 100 days away from the Indianapolis Federal Facilitated Exchange opening. There are two very big things that need to happen before October for the exchanges to be fully operational.  The first one is from a technical standpoint; the government still needs to complete the infrastructure of the exchange. This will enable government […]

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 […]

Health Insurance Plans For Indiana in 2014

We’re finally starting to get a glimpse into the future of health insurance under the Affordable Care Act. Post 2014, there will be no underwriting in the small group or individual health insurance markets. Underwriting has always been the key tool for insurance companies to control risk. Underwriting is the use of medical or health information […]

Health Insurance Increase Under Health Care Reform

Ohio reveals high exchange rates under the Patient Protection and Affordable Care Act, according to this article from BenefitsPro. The state of Ohio just released their projected health insurance increases under the new health care reform.  As Hoosiers, we should look at those price increases closely as we may be in the same situation soon. The Ohio […]

Health Care Reform Fees

We know you don’t want to pay anymore money than absolutely necessary for health insurance, but there are a few fees that are going to implemented in the new health care reform law. Under the Affordable Care Act (ACA), there will be new fees and taxes assessed on all Indianapolis commercial (group)  health insurance plans. These […]

Wellness Programs For Small Companies

A company wellness program is set up in the workplace to offer employees a kind of comprehensive health service, to encourage employees to adopt healthier lifestyles and to take measures aimed at preventing the worsening or onset of illnesses. In the last five years, wellness programs were supposed to bring the most amount of savings for group health insurance. These small […]

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 […]

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 […]