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Dental Insurance in Layman’s Terms

We recently wrote about the expected increase in demand for individual health plans this fall. Millions of workers have lost their group coverage due to the COVID-19 pandemic, so they’ll be shopping for insurance in the individual market.
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Be Sure to Do Your Marketplace Certification This Year

At this point, most agents have begun to realize that there might be a higher-than-normal demand for individual health insurance this fall. The COVID-19 pandemic has forced a lot of companies to furlough or lay off employees, causing them to lose their health coverage. While COBRA is an option for some, others worked for companies that have had to drop their group health plan altogether, leaving them with no continuation option.
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Florida leads nation in ACA enrollment, but is that enough?

The state of Florida has more people enrolled in ACA individual coverage through Healthcare.gov than any other state in the nation, and it’s not particularly close. According to a list published by CMS:
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Who needs an insurance mandate?

It’s now been a full year since the individual mandate penalty was reduced to zero, so we wanted to take a quick look at the impact this change could have on the future of the Affordable Care Act.
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ACA decision unlikely before election

On December 18, 2019, a federal appeals court in New Orleans ruled that the Affordable Care Act’s individual mandate is unconstitutional, calling into question the future of the entire law.
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The Cadillac Tax is Finally Dead

After years of lobbying by countless interest groups, Congress has finally killed the dreaded Cadillac tax.
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Side Effects of Silver Loading

When the Trump administration decided in 2017 to stop reimbursing insurers for cost-sharing reductions on silver-level plans for those who qualify, carriers responded by raising the price of their silver-level plans across the board, a practice known as “silver loading.”
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Health Insurance Market Dominated by a Handful of Carriers

Those who oppose the single-payer health insurance plan promoted by Bernie Sanders in his 2016 presidential campaign, and supported by most Democratic candidates in the 2020 race, often argue that competition is good for the market; it helps improve quality and reduce costs because consumers shop with their wallets. Many insurance agents would agree with this assessment: competition, in most cases, is good for consumers. However, what is often left unsaid in the conversation about competition in the health insurance industry is that it doesn’t really exist, at least not to the extent that we would like to believe it does.
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New Star Rating System for Marketplace Plans

In an August 15, 2019 news release, the Centers for Medicare & Medicaid Services announced that, beginning with the 2020 Open Enrollment Period, CMS “will require the display of the five-star Quality Rating System (or star ratings) available nationwide for health plans offered on the Health Insurance Exchanges.”
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A Quick Update on All the Health Insurance Lawsuits

This is a weird time in the United States. Republicans and Democrats are at an impasse on healthcare; they can’t seem to agree on anything. But it’s worse than that. Each side seems to hate anything the other side proposes, and with a divided Congress, it’s pretty clear that we aren’t going to see any major bills to fix the current system anytime soon. None that have a chance at passing, anyway.
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