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Ten Questions to Ask Defined Contribution Providers
Defined contribution health plans are a new alternative to employer-sponsored health insurance, and a growing in popularity for small businesses who want to offer health benefits for the first time....
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Illinois Health Insurance Exchange Update - Six Proposed Carriers
The Illinois Health Insurance Exchange has announced that six carriers plan to offer individual and/or small group health insurance coverage through the new exchange. The Illinois Health Insurance...
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How do the Marketplaces Impact Employees with Health Insurance?
How do the Health Insurance Marketplaces impact those with insurance? This is a common question from employers and employees. The answer depends on what type of insurance you have.Generally speaking,...
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55 Health Care Reform Acronyms
Health care reform has introduced a new language of acronyms, terminology, and abbreviations. These acronyms are used to describe the law, regulations, health insurance, and government entities. Here...
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Health Savings Accounts (HSAs) - 10 FAQs
Health Savings Accounts (HSAs) are financial accounts established by an individual or family to pay for qualified medical expenses. With an HSA, taxpayers receive a 100% income tax deduction on annual...
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Oregon Health Insurance Exchange Update - Limited Opening in October
The Oregon Health Insurance Exchange will launch on October 1, 2013 as planned, however those purchasing an insurance policy in the first few weeks will be required to complete the application process...
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How to Apply for Individual Health Insurance (Pre-2014)
When small businesses are setting up a "pure" defined contribution plan, employees often have questions about how to apply for individual health insurance. With only 6% of the non-elderly population...
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Three Small Business Health Insurance Trends
Here is a summary of three small business health insurance trends, and what each trend means for small businesses and employees.Trend #1: Consumer-Driven Healthcare Consumer driven healthcare (CDH or...
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FAQ: When is Open Enrollment for the Health Insurance Marketplaces?
Starting in 2014, health insurers will be prohibited from denying coverage to people in the individual health insurance marketplaces because of a pre-existing medical condition. This is commonly...
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Florida Health Insurance Exchange Update – Plan Rates & Carriers
On August 7, 2013 the Florida Office of Insurance Regulation (FOIR) released proposed individual health insurance plan rates and carriers for the Florida Health Insurance Exchange. The FOIR also...
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Using Defined Contribution Plan Design to Customize Perfect Health Benefits
A "pure" defined contribution health benefits strategy is a straight-forward concept. Employer designs the plan and sets healthcare allowance amounts. Employees purchase individual health insurance...
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Delay in ObamaCare's Out-of-Pocket Spending Limits, for Some
A key consumer protection provision of the Affordable Care Act ("ObamaCare") has been delayed a year, for some insurers and employers.This ObamaCare provision,originally to be implemented in 2014,...
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Mississippi Health Insurance Exchange Update – Premium Rates to Increase
Mississippi residents who purchase individual health insurance from the Mississippi Health Insurance Exchange will face increased premium rates, as compared to the current individual market.According...
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Kentucky Health Insurance Exchange - Information for Agents
The Kentucky Health Insurance Exchange, called "kynect", is currently recruiting and training insurance agents to help Kentucky residents enroll in coverage through its online health insurance...
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Are 45% of Health Insurance Brokers Really Throwing in the Towel?
Nearly half of US health insurance brokers (45%) say they’re considering exiting the health insurance business altogether, with the majority (51%) saying they're only slightly or not at all confident...
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How Many Americans Will Qualify for Premium Tax Credits?
Beginning in 2014, the government is providing premium tax credits (also referred to as health insurance premium subsidies) to help lower the cost paid for individual health insurance premiums...
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Maryland Health Insurance Exchange Update – Proposed Rates Among the Lowest
The Maryland Health Insurance Exchange, called the Maryland Health Connection, recently released approved insurance premium rates that they will offer via their state marketplace starting October 1,...
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Colorado Health Insurance Exchange Update - Plan Rates Finalized
On August 16, 2013 the Colorado Department of Insurance (DOI) released the final health insurance plan rates that will be offered through the Colorado Health Insurance Exchange.The Colorado DOI...
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Top 4 Reasons Health Reform is Great for Employees
Whatever your thoughts are on health reform (positive, negative, neutral), many aspects of health reform greatly benefit employees and the individual health insurance market.For example, in 2014 health...
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New Mexico Health Insurance Exchange Update – Proposed Plan Rates
Recently, the New Mexico Health Insurance Exchange released proposed rates for individual health insurance plans offered through their exchange. The New Mexico Health Insurance Exchange (NMHIX) will be...
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