The Value of Insuring Against Life’s Risks

The Value of Insuring Against Life’s Risks Building wealth requires protection from the forces of wealth destruction.   Provided by M. Zachary Zinser   When you are planning for your future, what do you think about? You may think about your retirement, enjoying having the time and money to take trips and pursue your interests. […]

Flow Chart for Employers

Below is a flow chart for all sized employers.  The flow chart is an easy configuration to determine whether or not your employer will pay a penalty if they don’t offer affordable coverage. Remember, your employer doesn’t have to offer coverage, the employer can still decide that it’s in their best interests to pay the […]

W-2 Reporting Requirements

Starting with the 2012 Tax Year, businesses that file more than 250 W-2’s will be required to disclose the cost of the employee’s medical insurance.  All size businesses will start doing this with the 2013 tax year. Please consult your Accountant about what other benefits may also be required to be reported. This guide was […]

President Obama’s claim that insurance premiums ‘will go down’

This article was taken from the Washington Post from their fact checker blog.  Interesting stuff…

Medical Loss Ratio Rebates

A few points to mention: This represents less than 10% of private health insurance consumers The average rebate is $151/family A small percentage will actually see a check b/c if you currently acquire your health insurance through your employer, the employer will get the insurance rebate check – however, most carriers are not wanting to […]

November is Diabetes Awareness Month

November is Diabetes Awareness Month.  This is a cause that we personally have a stake in because my father in law had diabetes.  Our family participates in the Louisville ADA walk each year.  I’m also proud to say that my wife’s family is the number one fund-raising family and friends team.  They’ve been number one […]

Small Business Tax Credit

With businesses winding down for the 2011 calender year, this tax credit calculation tool will come in handy to the many small business customers that health insurance companies have.  This link is from United Health Care and goes over the small business tax credit. Certain small businesses that offer health benefits are now eligible for […]

Health Insurance Rate Reviews

Here is a recent article about the rate review process that was started on September 1st of this year.  HHS released a statement stating how this rate review process has helped keep premiums down.  However, an industry trade group, America’s Health Insurance Plans (AHIP) states that the rate reviews focus too much on rate increases […]