Health Insurance

Health insurance is a big deal for minorities, the self-employed and small, Mom & Pop, businesses. Each year health insurance costs and deductibles have increased. In most cases, even if health insurance was being offered at a reduced cost to the employee, the cost to add a spouse or cover their household was too high.…

Many employees are currently feeling financially strained because of inflation. With open enrollment fast approaching, inflation could impact the choices employees make when it comes to their benefits. Employees are likely to consider which benefits matter the most and how to optimize the money they spend on those offerings. As a result, this year’s open…

Examples of medical bankruptcy are increasingly spreading in the U.S., to a degree that is chilling and unsettling. In 2019, the American Journal of Public Health found that just under 67% of all bankruptcies in America were the result of medical debt. And no, this isn’t isolated to those lacking in health insurance. In some…

For many, each Fall represents a new challenge – the effort to find adequate, affordable health insurance and other voluntary benefits! Background anxiety and worry seem ever present. It’s part of the “what if” that keeps us awake at night. Finding health insurance is a real challenge. The cost to families for health coverage and…

It comes as little surprise to anyone that America’s healthcare system was affected by the COVID-19 pandemic, in more than one way. Unfortunately, as 2022 approaches, we are showing few new positive indicators. The damage done by this pandemic continues to occur on a weekly, daily, and even hourly basis. People need help. The Affordable…

In the United States, few political issues serve as a ‘lightning rod’ as much as healthcare. President Biden and his administration are actively retooling the Affordable Care Act system into a system of even more advantages. For many, it offers new hope. On Feb 15th, President Biden opened up a particular Obamacare enrollment period. This…

The American Rescue Plan Act has a number of interesting, and likely little understood, benefits that reimburse Health Insurance premiums for families that lost their job in the last 18 months. To put it simply, if you lost your job, went on COBRA, but your employer didn’t offer any financial support for the cost of…

The majority of Americans rely on healthcare through their employer. But, unfortunately, the COVID-19 pandemic increased joblessness in our country at astounding rates, translating to a dramatic rise in the number of Americans who lack healthcare coverage. But recent changes to the synergy between the American Rescue Plan and the Affordable Care Act (Obamacare) offer…

Small business owners, with or without employees, have historically struggled to find proper representation when seeking health insurance policies. The structure of an organization and number of employees, determines available options, many of which are not affordable to the business owner or eligible employees. Individual health insurance policies have been offered for many years; these…