Author Archives: Jason

Overall, this is not a surprise as this was a challenge in Virginia by Virginians that had passed a state law preventing Virginians from being compelled to buy insurance. This decision does simply set up the next step in a series of challenges that will be decided by 9 judges. Once again the entire fate of a country is placed in the hands of just a few that can hand out or trash individual and state’s rights.

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Is it any wonder that Americans would defer costs in the teeth of a recession? Of course not! When more than 15% of Americans are unemployed, under-employed, or have simply given up looking for jobs why wouldn’t smart shoppers attempt to find anything that can be cut to ensure they can continue meeting their obligations?
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Connecticut approves another round of massive rate increases as the insurer blames the requirements of the Health Reform Act for the need to hike premiums. Who would have ever thought that this legislation would actually increase the cost of coverage? Continue reading →

It is often a difficult task to look in the future and try to anticipate the implications of new policies or changes. As readers have known, I was fearful of the legislation changes in the Health Care Reform Act, and it is beginning to be clear that those concerns were well founded.

We were promised more coverage, more choice, and more affordability. I have yet to see any of those promises materialize. If you are inclined to suggest that we will see these things happen in 2014, I can only say that based on the things I am seeing now, that is simply wishful thinking. In the meantime, children will be suffering from the impact of poorly thought out laws.
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The Patient Protection and Affordability Act was sold to us as a way to make health insurance available and affordable to all of those in the US. What we were led to believe was that there would be more plan choice, more benefits, more competition, and affordability! Unfortunately, what we are seeing is that the promises made are not being kept and that the product results in higher prices and less choice. Continue reading →

One area that we should be watching is the new federally sponsored PCIP health plan. PCIP is short for the Pre-Existing Condition Insurance Plan. This plan is essentially a health insurance backstop plan for those US citizens with no health insurance as a result of their medical conditions. As of 8/1/2010 this program began offering coverage. As with all well run government sponsored organizations, the program began in fine fashion. Continue reading →

On 10/1/2010 the new Texas health insurance plans will be rolled out by Texas health insurance providers. Specifically new insurance plans are mandated by the Health Reform Act to provide unlimited preventative care benefits paid for at 100% by the insurance firms. We analyze the price impact and make review some of the significant changes that are coming! Continue reading →

Healthy and and sick alike will pay much more and you can bet that companies will continue to avoid the cost and risk of these policies, leading to unintended consequences and victims in the name of healthcare reform. Continue reading →

Almost every week we receive calls from friends and new clients that have left their jobs and are provided information about COBRA. In this post we want to share some information about COBRA and make sure you can make a great decision about your health insurance coverage. Continue reading →

Hello Texas!  This is our first post for the Texas Health Insurance Blog.  Our intent in publishing this material is to provide information about health insurance in Texas.  Obviously we desire to serve our friends, clients, and fellow citizens, but … Continue reading →