Monthly Archives: December 2014

2015: Our Predictions






There have been a lot of changes since the Affordable Care Act was passed – a lot of things that nobody saw coming. But, five years after health reform was signed into law, we may be facing our most unpredictable … Continue reading






Posted in Health Reform | Comments Off on 2015: Our Predictions

A Look Back at 2014






On the health reform front, a lot has happened in 2014, and, the way things are looking, 2015 should be just as crazy. We thought we’d take a couple minutes to review some of the high points of this past … Continue reading






Posted in Health Reform | Comments Off on A Look Back at 2014

Marketplace Enrollments Exceed Expectations






Thanks to a functioning federal website, increased awareness of the individual mandate and the government subsidies, modest sales goals from the administration, and the hard work of brokers like you, enrollments in the individual market have exceeded expectations for the … Continue reading






Posted in Open Enrollment | Comments Off on Marketplace Enrollments Exceed Expectations

Employees cheer as small employers drop their group health plans






As we near the end of 2014, we’re beginning to see some of our earlier predictions come true: 1) small employers are beginning to re-think their decision to offer health insurance coverage, and 2) employees are realizing that this may … Continue reading






Posted in Health Reform | Comments Off on Employees cheer as small employers drop their group health plans

How to host an ACA enrollment event






As we wrap up the first month of the open enrollment period, brokers continue to hunt for creative sources of individual market leads. Here’s an idea… Why not host an ACA enrollment event? Sure, employer groups are the traditional place … Continue reading






Posted in Sales Tips | Comments Off on How to host an ACA enrollment event

Employees are paying more, getting less






That, in just a few words, is the conclusion reached in a new Commonwealth Fund report released this week. Though the cost of health care, which had been increasingly rapidly over the past decade, has slowed a bit in the … Continue reading






Posted in Benefits | Comments Off on Employees are paying more, getting less

Employees confused by skinny plans may miss out on subsidies






In an effort to avoid the across-the-board penalty under the employer shared responsibility requirement, some large employers are offering “skinny” plans to their full-time employees. These plans do qualify as minimum essential coverage and therefore satisfy the 4980H(A) employer mandate … Continue reading






Posted in Benefits, Health Reform | Comments Off on Employees confused by skinny plans may miss out on subsidies

Just one more week for 1/1 effectives






Not that you need a reminder, but there’s just one week to go for a January 1st effective date. While the open enrollment period continues until February 15th, individuals who would like ACA-qualified coverage at the beginning of the year … Continue reading






Posted in Open Enrollment, Sales Tips | Comments Off on Just one more week for 1/1 effectives

Real People Hurt by the Family Glitch






Two weeks ago, we spotlighted a Health Affairs Health Policy Brief about the family glitch, noting that these sorts of articles are good ammo for agents trying to explain to their group clients why an employer-sponsored health plan could be … Continue reading






Posted in Health Reform | Comments Off on Real People Hurt by the Family Glitch

Open Enrollment – good for individual, bad for group






The Federal Times is reporting that more than 1 million people have already signed up for coverage through Healthcare.gov and that the site, for the most part, is functioning properly. That’s good news for agents selling individual plans through their … Continue reading






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