Category Archives: Health Reform

Health Reform

Supreme Court refuses to hear ACA constitutional challenge

Posted on by HPA

At this point most of us know that there are two possible ways to change or overturn the Affordable Care Act: through legislative action or a court ruling. Congress has tried unsuccessfully -- over 40 times now -- to repeal the ACA. It's not going to happen while President Obama is in office. So our legislators have had to settle for some m... (read more)

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Small Group Bill Passes Senate!

Posted on by HPA

Boy, that was fast. On Tuesday, we reported that the H.R. 1624, the Protecting Affordable Coverage for Employees (PACE) Act, had passed the House and was on its way to the Senate, where we said passage was a little less certain. Well, as NAHU reports, yesterday “the Senate took action to pass S. 1099 through unanimous consent.” This is... (read more)

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Small Group Bill Passes the House

Posted on by HPA

Yesterday, the House of Representatives voted to pass the “Protecting Affordable Coverage for Employees Act,” a three-page bill designed to preserve the current definition of small group as one with 50 or fewer employees so that mid-sized companies with 51 to 100 employees will not have to play by the small group rules starting in 2016. Th... (read more)

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Cadillac tax could make individual plans more attractive

Posted on by HPA

As we near the end of 2015, we’re only a couple years away from the start of the “Cadillac tax,” a 40% excise tax on “high valued health plans.” While that may seem like a long time, large employers are already starting to make plans to help them deal with this budget-killing provision of the Affordable Care Act. Employers that of... (read more)

This entry was posted in Health Reform, Taxes. Bookmark the permalink.

Special Enrollment: The Opportunity for Agents

Posted on by HPA

When someone loses group health coverage or has a life event like marriage, birth, or adoption, they have a special enrollment opportunity in the individual market. But for brokers, there’s a different reason they’re called special enrollment opportunities – because they create a huge opportunity to sell insurance between open enrollment... (read more)

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Health Insurance Mergers Create Opportunity for Brokers

Posted on by HPA

As a broker, you probably thought this would be the slow time of year. After all, it’s not the 4th quarter, the busy time for group health agents. Or the Annual Election Period, when Medicare agents do the bulk of their business. Or the open enrollment period in the individual market. These are supposed to be the dog days of summer. Well,... (read more)

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King v. Burwell – what just happened?

Posted on by HPA

Yesterday, we released a very timely white paper entitled “King v. Burwell: What’s About to Happen?” In it, we discussed the different ways the Supreme Court case could be decided and the possible implications of a ruling in favor of the plaintiffs. We now have a ruling, so in this post we just want to give a quick overview of what the C... (read more)

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Low-Income Americans STILL Uneducated About Obamacare

Posted on by HPA

Holy Cow. You'll probably find this hard to believe, but a recent report finds that a huge percentage of low-income individuals are STILL unaware of their options under the Affordable Care Act. A new Harvard University study reports that both advertising and state policy choices appear "to have had major impacts on enrollment experiences a... (read more)

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State or Federal Exchanges: It’s Like Musical Chairs

Posted on by HPA

For a lot of agents, this is the slow time of the year. The problem is, if you take a few days off, you might miss a major development in one or more states where you’re licensed to do business. Over the past week, several states have indicated that they’ll make a change to their individual marketplace next year – some are moving from ... (read more)

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No Need to Market in South Florida – Everyone’s Already Enrolled

Posted on by Eric Johnson

Every once in a while you see a stat that you just can't help but question. Like this one: Source: Google Well, today we have a similar statistic from the benefits world: nearly 100% of eligible consumers in South Florida have signed up for Obamacare. See for yourself: Source: Miami Herald Really? 100%? That sounds like a pretty high e... (read more)

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