ACA 2017


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Residual disability insurance is a rider that can be put on a long-term disability income policy. It is something that everyone should consider. If disabled, this rider guarantees that when you return to work you don’t lose all your disability income at once. Since recovery takes time, not everyone can return to […]

Residual Disability Benefits


Long-term disability income insurance ranges in how long it will cover an individual. Someone can purchase this type of disability income insurance for as little as one year; however, it can cover someone until age 67. Ideally, a person should consider purchasing this type of insurance while they’re young because […]

What to Expect When Applying for Long-Term Disability Income Insurance


Business overhead is another type of disability income insurance that’s incredibly popular. This plan type is designed for those who own their own business. For instance, if a business owner becomes disabled, then they can insure their company continues to run smoothly without them. Many business owners get both a business overhead plan and a […]

Business Overhead Disability Income Insurance



Back in 2014 when the Affordable Care Act (ACA) went into full effect, individuals had six months to enroll. Then the following year, people only had three months; however, the government ended up extending the open enrollment deadline. That year they also assisted people during the tax season who didn’t know or understand why they […]

CMS Shortens the Open Enrollment Period for the 2018 Plan ...


As part of the new stabilization ruling, the Centers for Medicare and Medicaid Services (CMS) have given insurers flexibility in terms of plan design. They’re not restricted to the metal tiers: bronze, silver, gold, platinum. Now, they can create different plans with lower premiums that are still considered qualified health […]

CMS Allows Insurers Plan Flexibility to Lower Premiums


The Centers for Medicare and Medicaid Services (CMS) have included in their recent ruling an incentive to maintain continuous coverage. They’re incentivizing individuals to keep their policy, or rather they’re penalizing people for dropping coverage. If someone goes a few months without coverage, then they’re going to have to pay more […]

Per CMS ruling, Individuals Must Maintain Continuous Coverage



CMS issued final rule to increase choices and encourage stability in health insurance markets for 2018 The Centers for Medicare & Medicaid Services (CMS)recently released a new final Market Stabilization rule. With these new rules, CMS intends to help lower premiums and stabilize individual and small group markets. In doing so, […]

CMS Issues New Rules to Ensure Market Stability


This year has certainly been interesting in terms of healthcare. Right now, there’s uncertainty regarding the future of the Affordable Care Act (ACA). With the change in presidency, there’s been conflict between what President Trump wants to do and what President Obama’s healthcare law is. Currently, there has yet to be a resolution […]

Looking at America’s Healthcare in 2017


Ambetter focuses primarily on the Affordable Care Act (ACA), though they also do Medicare Advantage within several states. With regards to their ACA business, Ambetter offers plans on exchange only. They’re in multiple states across the country, and their footprint continues to grow. Compared to other carriers, they’re one of the few […]

Top Health Insurance Carriers: Ambetter



Molina Healthcare is heavily involved in the individual medical market. After the Affordable Care Act passed in 2010 and began rolling out in 2014, Molina has since been providing health insurance. They’re in several states, selling on exchange only through either Healthcare.gov or their broker portal. For the most part, they’re […]

Top Health Insurance Carriers: Molina Healthcare