The Question Presidential Candidates Must Answer

/ / All Posts, Health Insurance, In The News

The Affordable Care Act (ACA) seems to be a topic of discussion for Presidential candidates. Will the ACA still  stay intact once the next President is elected into office? What changes will be made to the ACA? The biggest question stated by an article on Bloomberg View is, “How would they (Presidential Candidates) protect people with pre-existing conditions? Left to their own devices, after all, insurers have an incentive to charge higher premiums to potential customers who already have chronic health conditions – or not to offer them coverage at all.” What the ACA has done well is to ban […]

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Goodbye Employer Provided Health Insurance

/ / All Posts, Health Insurance, Small Business

An article from Market Watch highlights Rick Lindquist and Paul Zane Pilzer, co-authors of “The End of Employer-Provided Health Insurance.” The book goes over why group health insurance is a thing of the past and why individuals, their families, and their employers are all benefiting from moving away from group health insurance options. Group health insurance rates continue to rise and that’s where Zane Benefits steps in. Zane Benefits is not a health insurance company, but a company that administers defined-contribution plans. What is that you might be asking? It is a benefit plan that gives employees a set amount of money each

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Healthcare Cost Keeps Rising

/ / All Posts, Health Insurance, In The News

Healthcare cost continues to rise and the Affordable Care Act (ACA) isn’t exactly affordable at all. The inflation of healthcare is rising faster than the American economies natural inflation rate. What is making healthcare rise faster than everything else? There are many contributing factors and one of the major ones is supply and demand. The demand for healthcare didn’t happen organically, it happened over night. When the ACA was passed the entire United States population had demand, but the supply stayed the same. Sadly the healthcare provider market hasn’t expanded much in response to the demand. There are some new health

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Medicare Isn’t Sustainable

/ / All Posts, Health Insurance, In The News

During a New Hampshire town meeting Jeb Bush was confronted by a senior citizen after a comment about entitlement reform. The women commented by saying, “My Medicare right now is wonderful and I paid into it for all these years. Why are you always attacking seniors?” Where Bush called it the entitlement system the woman rebutted that she had earned it. I can see where the woman is coming from in the thought that she has paid into the system, and she has, but not nearly enough to contribute to the cost of her medical care. The level of funding

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Good Decisions For Small Business Healthcare

/ / All Posts, Health Insurance, Small Business

Under the Affordable Care Act (ACA) a small business above 50 employees is required to provide healthcare for their employees. These companies that have 50 or more full-time employees must provide health insurance to 95% of their employees and dependents up to age 26 or risk paying a tax penalty of $2,000 per full-time employee. An article on Forbes says, “many small businesses still do provide health care for their employees, either out of a sense of responsibility or out of a desire to attract quality candidates (or both).” Although, depending on how those plans are paid for you could run into some

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The ACA Boasts Fewer Uninsured

/ / All Posts, Health Insurance, In The News

The Affordable Care Act (ACA) has boasted an increase in healthcare enrollment, which is to be expected as it’s mandatory. What do those numbers look like on paper though? In Colorado alone the uninsured have been cut by more than half over the past two years. The disheartening news is that the drop is due almost entirely to a surge in Medicaid enrollment, according to Biz Journals. The Colorado Health Institute (CHI) and The Colorado Trust released its findings from the 2015 Colorado Health Access Survey and the increase in Medicaid enrollment was one of many things the survey revealed. Another is the way

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