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GOP’s Tax Cuts and Jobs Act Tax reform’s coming full force as Republicans try again to pass legislation that could possibly end the Affordable Care Act. The first move was made nearly 2 months ago with the Senate Republicans plan for a 1.5 trillion dollar tax cut. Republicans believe with their new tax […]

What Is the Tax Cuts and Job Acts?


Every year there are a few changes to the ACA marketplace. It’s important to stay on top of these changes so you know what to expect from the upcoming open enrollment. To help you stay informed, Jeff Hess, the ACA expert, explains some of the changes that consumers should expect this […]

Changes to Expect for the Upcoming ACA Plan Year 2018


It’s important to check your facts when receiving them online. With so many different opinions floating around the internet, you might get an answer to one of your questions that is completely biased. Jeff Hess, an ACA Product Specialist, who’s been in the health insurance industry for over 20 years, addresses […]

ACA Market Facts and Myths



Pros of ACA Plans Guarantee Issue Policy & No Pre-Existing Conditions There are many benefits to having an ACA plan. Take for instance the guarantee issue policy, which can extend to any eligible applicant regardless of health status. This means no matter what disease the patient might have, whether that’s […]

The Pros and Cons of Having an ACA Health Plan


Currently, the Senate works on applying changes to the Better Care Reconciliation Act. The bill has many areas in need of improvement due to contention with former laws passed by the ACA. Among some of the areas causing friction are the gradual elimination of ACA’s Medicaid expansion; the size and […]

The Better Care Reconciliation Act Awaits Further Changes Until the ...


Do you have life insurance or disability income insurance through your employer? If so, it’s important to make sure that the payment – if deducted from payroll – uses after-tax dollars. Likewise, if you’re self-employed or a small business owner, you should not pay for the policy through the company. Instead, you should […]

Be Sure to Use After-Tax Dollars to Pay for Disability ...



Compared to other disability income insurance plans, accident only disability is perhaps the most inexpensive. And like many other insurance policies, accident only disability income insurance gives the policyholder benefits so long as they pay the premiums on time. If injured and unable to work, accident only disability income insurance replaces a portion of […]

Accident Only Disability Income Insurance


Why You Need Non-Cancellable Riders on Your Disability Income Policy Non-cancellable riders are a must-have on a disability income policy. If the carrier allows this rider, then it’s definitely worth considering. Essentially, a non-cancellable rider ensures static rates. In other words, once the policy is in effect, the insurance company cannot […]

Non-Cancellable Riders on Disability Income Insurance


The Centers for Medicare and Medicaid Services (CMS) came out with some final stabilization rules. One component of the ruling now makes it more difficult to qualify for a special enrollment period (SEP). Essentially, an SEP enables people, who couldn’t get coverage or lost coverage outside of open enrollment, to enroll in a […]

CMS Requires Qualifying Documentation for Special Enrollment Periods (SEP)



With a new administration underway and Trump’s promise to repeal Obama’s signature healthcare law, many women have expressed their concern about no longer receiving affordable contraception, which is included in ACA’s essential benefits. Even before the 2016 presidential campaign and election raised questions and concerns about healthcare, Google Trends consistently had “birth […]

Top 5 Innovative Products for Women’s Health