Health Insurance Options After College

/ / Health Insurance

There are many health insurance options for recent grads. Whether you’re planning to move to a new city, start a new job, or experience other life changes, there are multiple ways to stay covered after college. After all, getting insured may not be as complicated as you may think. Here are the top four health insurance options for college graduates. 1- Enroll in Marketplace Insurance You may qualify for a Marketplace insurance policy through either the Federal or State based exchange depending on your location. More people are eligible for Marketplace medical coverage now than in the past. Moreover, you […]

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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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What is Zane Benefits?

/ / All Posts, Small Business

Here at DesignTM Health, we partner with a company called Zane Benefits. As we continue to look at and promote small businesses I wanted to introduce you to one that is on the cutting edge of what healthcare is and will be. As group health insurance fades away you will see Zane Benefits name more and more often. What’s so innovative and great about this company and who are they? Let me tell you with their own introduction from their website, “Zane Benefits is the leader in individual health insurance reimbursement for small businesses. Since 2006, Zane Benefits has been on

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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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