Now Offering Self-Funded Plans! Learn More

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 exchanges.

By | June 21st, 2019|Uncategorized|0 Comments

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 average increase will be 27.8% Anthem individual market plans both ON and OFF the Exchange will have [...]

By | September 14th, 2017|Uncategorized|0 Comments

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 not ACA compliant,  premiums are much less.  The caveat here is that these plans [...]

By | June 28th, 2017|Uncategorized|0 Comments

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 challenging rate increases to their policyholders.  Still, there is a great need for many to [...]

By | April 25th, 2017|Uncategorized|0 Comments

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 individual market, and setting them up with a group health plan. Most clients [...]

By | April 5th, 2017|Uncategorized|0 Comments

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, right?”, then I would not have to sell health insurance any longer. The answer to the [...]

By | March 1st, 2017|Affordable Care Act|0 Comments