ACA 2017


Republicans Need 50 Votes to Repeal Obamacare President Trump has been pumping up the pressure for his “Repeal and Replace” plan. Last week, he held a lunch for all Republican senators. At the lunch, Trump worked on getting everyone on the same page to repeal Obamacare. So now, the Republicans […]

Republicans Take Next Steps to Repeal Obamacare


The effort to repeal and replace Obamacare stopped earlier this week with the support of Republicans senators. GOP senators rejected Senate Majority Leader Mitch McConnell’s latest draft bill to replace the majority of Obamacare. Senator McConnell, conceded Monday night that “the effort to repeal and replace the failure of Obamacare […]

Will the Government Ever Repeal and Replace Obamacare?


The Kaiser Family Foundation (KFF) has recently released a study that shows that the ACA market might be stabilizing. The study compares previous marketplace years to the 2017 1st quarter numbers. In this article, I would like to look at the report from the KFF and break down its findings. Loss Ratio Decline […]

The Kaiser Foundation Claims the ACA Market May Be Stabilizing



Affordable Care Act The government is cooking up a new health care reform. While we wait to see what’s next enacted, let’s review the previous reform enacted in 2010 the Affordable Care Act.  The ACA had 3 primary goals: To make affordable health insurance available to more people. The law […]

Recap: Affordable Care Act


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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