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 […]
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 […]
Portion of the Affordable Care Act Delayed for a Year
The Obama administration released 200 pages of Department of Treasury regulations last week. Inside these 200 pages was information about delaying the employer mandate. This is specific to companies with 50 to 99 employees and the delay is until January 1st, 2016. This is a very big development and is being viewed as political even […]
Small Businesses Dropping Group Health Plans
Under the new health care laws, many small business owners are entertaining the idea of dropping group health benefits. This isn’t only happening here, but all across the country. Right now, there are projections on group rate increases for everyone. These projections have many small groups looking at a 30%-60% increase due to the Affordable Care […]
Federal Health Insurance Exchange
The new Indianapolis Health Insurance Exchange will go live in only one week! Here at Nefouse & Associates, we are authorized to sell and service the exchange plans. There will be four options of coverage: Bronze, Silver, Gold and Platinum. Under the Affordable Care Act, often referred as Obamacare, no one can be denied coverage […]
Individual Health Insurance for Small Groups
In 2014, we are going to have new options in the small group health insurance market. Under the new health care laws, we are going to see guaranteed issue in the individual market. This is one of the biggest aspects under the new law because now everyone has access to a health insurance plan. There […]
Could a Self-Funded Plan Be Your Best Option?
It’s common knowledge that offering health insurance benefits helps attract and retain great employees, yet businesses are looking for ways to cut costs as benefits get more expensive. Have you ever considered a self-funded insurance plan? In a self-funded plan, a business can provide health benefits directly to employees. Instead of the insurance companies, the […]
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 […]
Health Insurance Rates
Recently, there have been publications saying that health insurance rates are going up 72% under Obamacare. For example, here is a story in the Indy Star which explains the that under the mandate, everyone must be covered, including those with pre-existing conditions. If this turns out to be true, it will be quite a shock to the wallets […]
Health Care Reform for Smokers
Are delays become the norm for health care reform? A glitch in the health care reform law might be giving smokers a break from tobacco-use penalties which would cause their premiums to become too expensive. The Obama administration has informed health insurers that there is a problem in the computer system that will limit the penalties the insurers […]
