Summary: where do we stand with 2018 health plans?

Posted Leave a commentPosted in Affordable Care Act, Health Insurance, Small Business

UPDATE 8/17/2017: Yesterday the Trump administration announced that it would not follow through with the president’s political threat to cancel insurance company subsidy payments. That appears to add stability to the markets and allows small businesses and self-employed individuals to be more confident in health care planning for 2018. With all the recent political posturing, it […]

A short term fix for Obamacare

Posted Leave a commentPosted in Affordable Care Act, Health Insurance

Today’s Wall Street Journal carried an editorial on a simple solution to ease the paid of high health care expenses for some people: ease the restrictions on non-qualifying health insurance like the type sold at Freedom Benefits. Popular plans like short-term medical insurance and limited benefit or mini-med insurance do not meet the requirements of […]

Expansion of mini-med insurance

Posted Leave a commentPosted in Affordable Care Act, Health Insurance

For some years my business Freedom Benefits has predicted the expansion of a type of minimalist medical insurance that does not meet the federal standards established by the Affordable Care Act. Some call these plans “mini-med insurance”. For many years the most popular type was Core Health Insurance. It is still a popular and attractive […]

Aetna locked in legal battle over ACA pullout

Posted Leave a commentPosted in Affordable Care Act, Health Insurance, News and Politics

An interesting lawsuit was filed in Pennsylvania last week against Aetna Inc., a Connecticut-based insurance company that has been one of the nation’s largest alternate insurance choices for decades. Aetna pulled out of the individual health insurance markets in 11 states claiming that this was a business decision to prevent the company from losing money. […]

Health plans for New Jersey Farmers

Posted Leave a commentPosted in Affordable Care Act, Employee Benefits, Farming, Health Insurance, New Jersey

This is a pre-publication draft of an article intended for print media. New Jersey’s farmers have it tough when it comes to negotiating a path through health care reform. New Jersey insurance markets have been expensive, compared to other states, since the 1990s.  Health plans for self-employed people provide in-network care only and this can […]

How to cope with threatened sabotage of health care financing

Posted Leave a commentPosted in Affordable Care Act, Health Insurance, Small Business

Three strategies for small business health plans On Friday July 28 and Saturday July 29 president Trump and his press spokesperson made a series of statements indicating that he planned to sabotage a financial pillar health care system by revoking government funding for the insurance premiums working class people. The president’s actions are admittedly motivated by politics. […]

Five health care strategies for small businesses in 2017

Posted Leave a commentPosted in Affordable Care Act, Health Insurance, News and Politics

Only hours past the point where we thought that Republican leaders in Washington DC had reached an agreement on  minimalist proposal to begin “repeal and replace” of Obamacare, the measure known as “skinny repeal” (covered in my last blog post) has been defeated. Many of us went to bed last night thinking that the healthcare […]

“Skinny Repeal” explained

Posted Leave a commentPosted in Affordable Care Act, Health Insurance, News and Politics

The lowest common denominator Obamacare repeal and replacement plan is said to get rid of the "O" and keep the "bamacare".  It is specifically designed as the most likely health care bill that could gain the support of the required 5o Republican senators. It is called "skinny repeal" because it would only repeal the requirement […]

What the collapse of health care reform means to us

Posted Leave a commentPosted in Affordable Care Act, Health Insurance

What does the collapse of Congressional efforts to reform health care mean to us in small businesses? Certainly it raises many questions and provides few answers. These questions came to mind: Is the IRS under a Republican Trump administration likely to enforce the tax penalties that it fought so hard to repeal? I suspect not. […]

Financial planning under health care reform

Posted Leave a commentPosted in Affordable Care Act, Employee Benefits, Health Insurance

The health care news from Washington DC was disheartening this week. Key Republicans are bashing the president for his lack of understanding of basic health care concepts. One Republican Senator reportedly called the president “clueless” after a one-on-one meeting. Meanwhile the president touts himself as a health care policy expert. For the est of us, […]