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    2017 Year-End Wrap Up

    December 27, 2017
    As we near the end of another year, it’s time to close the books on 2017 and look ahead to 2018. As we do, it’s helpful to review the big news stories from the last 12 months and determine whether they’ll carry over to the next calendar year or just be interesting moments in history that we can look back on but stop worrying about.
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    New People Are Signing Up For Marketplace Coverage

    December 4, 2017
    In the insurance industry, we all know that the main reason to purchase health insurance is because we’re unable to predict the future. Unexpected and potentially catastrophic injuries and illnesses do happen, and when they do, people with health insurance tend to fare much better financially than those without.
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    What’s the latest on the Cost Sharing Subsidies?

    November 16, 2017
    With all of the news about the CSR (Cost Sharing Reduction) payments, which President Trump halted on October 12, your clients are probably asking you to explain what exactly happened and, more importantly, how it affects them. It’s easy to understand why they might be confused—this is a political issue, so many of the reports on the topic are one-sided arguments from people who may have their own agenda.
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    Don’t Forget About the Individual Mandate!

    November 3, 2017
    It’s now been a year since the 2016 presidential election and nearly ten months since inauguration day. By now, most of us expected major portions of the Affordable Care Act to be repealed and thought the individual mandate would be one of the first parts to go. That hasn’t happened, of course, which means that our clients are still required to purchase health insurance or face a penalty under the ACA’s shared responsibility provision.
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    Will they really let Obamacare fail?

    August 30, 2017
    By now, everyone’s heard the news: the Republican efforts to repeal and replace the Affordable Care Act have failed in the Senate. After three unsuccessful votes—first on the Better Care Reconciliation Act, then on a repeal and delay bill, then on a skinny repeal—majority leader Mitch McConnell declared on July 27 that “it’s time to move on.” For now, repeal & replace is dead, though the efforts could certainly be revived sometime in the future.
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    Is the Individual Mandate Going Away? (and what happens if it does?)

    July 27, 2017
    There are a lot of really good reasons to purchase health insurance:
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    The Individual Mandate’s Tax Filing Requirements

    April 11, 2017
    As we approach the end of tax season, there’s a lot of confusion about the tax filing requirements under the Affordable Care Act’s individual mandate, largely because Americans have received mixed messages about what the rules actually are.
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    Humana Pulls Out of Insurance Marketplace

    March 10, 2017
    Humana’s been making a lot of news lately. On January 23, a federal judge blocked the proposed $37 billion merger between Humana and Aetna. On February 14, the companies announced that they wouldn’t appeal the ruling and that that they were walking away from the deal they’d been working on for the last year-and-a-half. Then, later that same day, Humana made news once again when it announced that it would not be participating in the Obamacare exchanges in 2018. While the company will presumably continue to offer plans outside the Marketplace, it won’t be selling individual health plans eligible for a government subsidy through the federal or state exchanges.
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    A Look at the New “Simple Choice” Plans

    December 20, 2016
    After warning for months that consumers will have fewer choices when shopping for individual coverage this fall, in this article we’ll discuss some new options that may be available for the 2017 open enrollment period.
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    Don’t Take Your Individual Clients for Granted

    November 30, 2016
    This seems like an obvious statement, doesn’t it? In fact, it’s almost insulting – the idea that you might not be doing whatever’s necessary to earn your clients’ business every single year. We don’t mean it that way. The truth is that most agents reach out to their clients at renewal time each year, but most of the time no changes are necessary. If your customers are happy with their plan, their family situation and health status hasn’t changed significantly, and the renewal offer is reasonable, most people would rather stay put than to shop around and go through the hassle of changing their health insurance.
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