Whether you are purchasing in the individual market or the small group insurance market, The Affordable Care Act (ACA) has changed how you purchase health insurance. As time goes on, market changes spurred on by the legislation make the process even more complex.

The ACA desired to make things easier for the public by categorizing individual and small group plans into four major categories, Platinum, Gold, Silver and Bronze. Each metallic level suggests that plans found within a category could be considered to be of equal actuarial value. We are to believe that the benefits within a category are simply … Read the rest

The Patient Protection and Affordable Care Act (PPACA) is just around the corner and will affect all Americans on January 1, 2014. Independent manufacturers’ reps will be affected in many different ways. One thing is for sure, it’s neither as bad nor as good as you think. Inaccurate information is being distributed everywhere and disguised as fact. How it affects you and your business will depend on factors including age, number of employees and state of residence, to name a few.

It would be wrong to dismiss the Health Care Financing problem we have in this country. Many people cannot … Read the rest

Is Your Coverage Too Much, Too Little, or Just Right?

Employers and individuals continue to seek the level of medical insurance coverage purchased years ago. Cradle-to-grave coverage is no longer affordable, even though employers offering one- or two-plan designs have reduced coverage to levels they still need to attract employees in their particular industry. Usually, the options continue to be very high levels of coverage. Employees making the buying decisions may not be properly prepared to be a good health care consumer because they really don’t have a responsible option in front of them.

Many manufacturers’ rep entrepreneurs striking out … Read the rest