The coming revolution in small business health plans

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

The most dramatic change in small business health plans is expected be introduced by the Trump administration later this week. By relying on executive branch power rather than congressional lawmaking, the administration can effectively revolutionize small business health plans. How is this possible? Isn’t health insurance controlled by state law? Yes but the biggest deterrent […]

Shocking Legislative Scam Proposed by Senators; Endorsed by President

Posted 1 CommentPosted in Affordable Care Act, Health Insurance, News and Politics

Is is shocking and horrifying to read that 48 United States Republican Senators and the president of the United States have pledged their vote to a secret proposed legislative scam known as the ‘Graham-Cassidy bill’ that: They have not seen or read Is not available in written form for public review Can only be passed […]

Single payer health care on the rise

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

We see fresh indications that public and legislative support for a single payer health care system are on the rise. Bernie Sanders is one of a growing number in Congress who support the HR 676 “Medicare for All” bill this week. A long list of Democratic Congressional representatives co-sponsored the House bill. The president even took time […]

Taxation of health insurance

Posted 1 CommentPosted in Affordable Care Act, Employee Benefits, Health Insurance

This article was originally published in 2003 and has been revised multiple times; most recently to reflect changes triggered by the American Cures Act of 2016. At the time of this latest revision, it appears possible that we may see still more last-minute tweaks in health insurance tax law for 2018. Until recently, the tax-favored […]

Health insurance remains deductible

Posted Leave a commentPosted in Affordable Care Act, Health Insurance

Human Resource Executive Online published an article celebrating the success of the business lobby in overcoming a legislative proposal passed by the US House of Representatives that wold have limited the tax deductibility of employer provided health insurance. Business groups were so loud in their opposition that Senate legislative proposals did not even attempt to […]

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 […]