deductible


AEP Tips to Keep in Mind When Shopping for Health Plans Stuck with your boring old health plan? Not getting the benefits you want? Looking for something a little cheaper that can fit your budget? Is your plan just not working? With the Annual Election Period (AEP) right around the […]

AEP Tips To Keep In Mind For Changing Your Health ...


  Cost Sharing Reductions When it comes to cost sharing reductions, we’re talking about the Affordable Care Act, which is also referred to as the marketplace or Obamacare. Basically, cost-sharing reductions apply to those with a low income (household income). Now that’s subjective, but the government built a chart for that […]

Cost Sharing Reductions: How to Receive Aid for Insurance Costs


It’s important to have someone on the inside of your corner. Today’s episode we’re going to decipher some insurance jargon. This episode can help someone looking for health insurance make a smarter decision when they are shopping. Dave is going to cover the three most commonly used terms today in […]

Dave’s Corner: What Is a Deductible, Co-Payment, and Co-Insurance?



The subject of H.S.A.s has popped up more recently in the news. Specifically, the new administration is talking more about H.S.A.s, which have been around for a long time. There’s nothing new about them. Over a decade ago, they were called M.S.A.s – medical savings accounts. Now, they’re H.S.A.s – health savings […]

Health Savings Accounts and How They Work


Towards the end of December 2016, the Kaiser Family Foundation conducted a study, involving six focus groups with about eight to ten men and women, from Ohio, Michigan, and Pennsylvania. All participants voted for President-elect Trump. Of the six focus groups, three had a qualified, Affordable Care Act (ACA) plan […]

Survey: What Do People Want Most from Health Insurance?


Health insurance has a language of its own. Even words you know have a completely different meaning when in reference to health insurance. So to have a better understanding of this industry, it’s important to know the frequently used terminology. In the video below, Jeff Hess, individual, group, and ancillary health insurance […]

Terms Defined: Co-Payments, Co-Insurance, Deductibles, ETC.



As the leading expert on individual, group, and ancillary health insurance here at Empower Brokerage, Jeff Hess knows what he’s talking about, and we want to share his infinite knowledge with you! Check out the video below to learn how Obamacare has affected group health insurance. To start, group insurance is an […]

Obamacare and Its Impact on Group Health Plans, Part 1