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    Adverse Selection vs. Moral Hazard

    May 31, 2019
    If you think back to the days when you were studying for your insurance license, you may remember learning a couple terms that are related but have different meanings. In this post, we’ll discuss Adverse Selection and Moral Hazard and explain why both of these terms are relevant in today’s health insurance environment.
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    Do Something with Your Time

    May 17, 2019
    As we enter the second quarter, this is officially the slow time of the year. The phone has stopped ringing off the wall, and you’ve settled back into your normal insurance routine. So we have a question:
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    Five Percent of People Have Huge Medical Bills

    May 10, 2019
    A recent article from Health Leaders Media summarizes the results of a global study from the Institute for Health Metrics and Evaluation (IHME) at the University of Washington. Here are a few of the findings:
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    Why Medicare Advantage?

    April 26, 2019
    The Annual Election Period (AEP) for Medicare Advantage and Medicare Part D prescription drug plans runs from October 15 to December 7. During this time of the year, Medicare recipients can join an Advantage plan, switch from one Advantage plan to another, or leave their Advantage plan and return to Original Medicare.
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    New Hospital Transparency Rule

    April 19, 2019
    A new rule intended to increase price transparency went into effect January 1st of this year. The rule, issued by the Centers for Medicare and Medicaid Services (CMS) on August 2, 2018, requires “hospitals to make publicly available a list of their standard charges or their policies for allowing the public to view this list upon request…on the Internet in a machine-readable format.”
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    Drug Makers Increase Prices for 2019

    April 11, 2019
    In 2019, some of the nation’s largest pharmaceutical companies, after holding prices steady for much of 2018, announced they are raising the cost on hundreds of drugs. You probably saw some of the headlines.
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    New Rule Could Increase Premiums and Out-of-Pockets

    April 5, 2019
    The Wall Street Journal recently reported on proposed changes by the Trump Administration “that could raise health insurance costs for millions of Americans who get coverage on the job or receive subsidies under the Affordable Care Act.” As they explain, the two sides continue to bicker about the Affordable Care Act: “Republicans say subsidies for consumers are inflated; Democrats see another effort to sabotage the health law.”
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    Healthcare.gov Enrollment Numbers

    March 21, 2019
    Marketplace enrollment is down this year. Way down. At least that’s the conclusion one might reach by looking at the enrollment trend graph on the Kaiser Family Foundation website.
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    Medicare Changes for 2019

    March 15, 2019
    Each year, Medicare makes changes to the Part A and B out-of-pocket expenses, monthly premium for Part B, and premium adjustment thresholds for Part B and Part D. Here are the figures for 2019.
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    Are you teaching your kids the business?

    February 21, 2019
    Most of us didn’t grow up wanting to be insurance agents. Instead, the majority of insurance professionals found their way into the business by accident. There are a million stories, but what we’ve heard again and again from brokers across the country is that 1) they sort of stumbled into the industry, 2) now that they’re here, they really like it and don’t want to leave, and 3) they wish they had started when they were younger.
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