The ACA Chicken Little sky is not falling!

If I have had a dime for everyone who has called, emailed, texted, etc. with the following questions – “What is going to happen to Obamacare?”, or “Now that the election is over, my health insurance will be dropped,...

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Health Re-reimbursement arrangement – HRA Ruling 2020

This new HRA ruling will benefit many of my small group clients and their employees. While not perfect, this will help expand employee coverage to either their current group plan, or an individual plan on the...

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I am Self-Employed. Is there another health insurance option other than the individual market?

Yes there is, but you must have at least one full time employee that can’t be your spouse. Group insurance rules allow for a group of 2 to be created as long as you employ 1 additional person that is a W-2 employee at 30 hours per week at...

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2018 Rate Review Decision – Individual Market – CT

The CT State Department of Insurance has published their final decision on health insurance rate requests for 2018. Connecticare individual market plans ON the Exchange received an average 27.7% increase, and for those plans OFF the Exchange the...

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Short Term Health Insurance

Short term Health Insurance plans have gone through substantive changes during the implementation of the Affordable Care Act.  Up until this year, short term health plans could be purchased for 11 months, and due to the fact that theses plans are...

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Aging in to Medicare – Congragulations for turning 65! Now what?

One of the services of my agency is to assist those who are aging in to Medicare with the daunting task of sorting through the copious amount of information being stuffed into their mailboxes prior to their birthday.   Having to recertify every...

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Long Term Care – 3 Different Approaches to Leveraging Current Assets

Suffice to say that the Long Term Care Insurance Market has had its fair share of challenges over the last few years, especially after the financial crisis of 2008.  Some carriers left the market altogether, and those that stayed instilled...

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Health Insurance – Group vs Individual 2017

For the first time in my health insurance career, group rates in CT are less than their individual market counterparts. Our firm spent a large part of this past open enrollment pulling self-employed clients with at least one employee out of the...

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