Recent Posts

Stay in touch with the latest happenings.

Short Term Healthcare with Major Medical Instead of Obamacare

Short Term Healthcare with Major Medical Instead of Obamacare

10/18/2015 18:13:37

Policy experts Sean Parnell and Timothy Jost have noted a loophole in the law that is attracting millions of young adults—and others as well—who seek inexpensive insurance. This loophole has been expanded by the ingenious combination of insurance products offered by Health Insurance Exch...

Don’t be a Do-It-Yourselfer and cobble together Cut-Rate Health Insurance!

Don’t be a Do-It-Yourselfer and cobble together Cut-Rate Health Insurance!

01/28/2016 12:39:03

If you are like a lot of hard working Americans and have decided that paying $1,000 or more a month for family health and dental plans through your job has become an excessive burden – then listen up. You’ve probably searched for individual family plans on HealthCare.gov. These polices a...

Living Benefits Insurance: Pay for Dementia

Living Benefits Insurance: Pay for Dementia

10/7/2015

Did you know that a living benefits life insurance policy could pay for the costs of Dementia care? People with dementia — especially those with Alzheimer's disease — often live for years after reaching the point where they need 24-hour care, leaving families in an emotional, f...

Why You Need a Living Benefits Policy

Why You Need a Living Benefits Policy

12/11/2015 12:40:35

Ever wonder what it would feel like to survive a serious illness physically but end up financially devastated?  How can you protect yourself, your family, your assets, and the quality of life that you have built for them if faced with a life threatening illness?  What if your doctors recom...

Recommended Alternatives to Obamacare

Recommended Alternatives to Obamacare

10/15/2015 13:10:32

According to health insurance experts, if you are looking for the highest value alternative to Obamacare, Health Insurance Exchange Alternative may be the best combination of insurance products available for total health protection.  What was once considered a detriment -- that the policies onl...

For Many Families, Health Care Costs Are Now the Single Largest Item in Their Budget

For Many Families, Health Care Costs Are Now the Single Largest Item in Their Budget

03/10/2016 16:26:18

It’s tough for families – and for many their healthcare costs more than their mortgage.  What makes it worse: According to a new survey by the Kaiser Family Foundation and The New York Times the high deductibles necessary to make Obamacare affordable leaves one in five working-...

Penalty Calculator - Will You Really Owe Anything If You Have A Better Alternative Than Obamacare?

Penalty Calculator - Will You Really Owe Anything If You Have A Better Alternative Than Obamacare?

11/10/2015 13:27:07

The IRS grants an exemption from the Shared Responsibility Payment (tax penalty for being uninsured with a MEC plan) if the lowest premium of an available Bronze plan exceeds 8% of a Household’s Income. The median household in the US is roughly $52,000, so for the average American individual o...

How to be Legally Exempt from Obamacare Penalty

How to be Legally Exempt from Obamacare Penalty

02/22/2016 12:37:05

We get asked, on a daily basis, if there are ways to legally avoid the high cost, low value of the Obamacare insurance exchange products AND not pay a penalty for purchasing insurance that best fits the insured's needs.  Here are the options that we share: 1) If the lowest-priced "Obamacare pla...

What are Living Benefits?

What are Living Benefits?

10/12/2015

Living Benefits gives you the power to access a portion of your life insurance policy’s death benefit while you are still living. This benefit gives you access to the cash value and death benefit of your policy in the event of a Specified Medical Condition, Terminal Illness, or a Chronic Illne...

Feds Predict 60% Health Insurance Premium Increase in This Decade - Here's How To Hedge That Cost

Feds Predict 60% Health Insurance Premium Increase in This Decade - Here's How To Hedge That Cost

02/19/2016 13:05:13

The Congressional Budget Office predicted rate increases for health insurance plans purchased through the Affordable Care Act marketplace to be 8 percent a year until 2018, then 5 to 6 percent a year until 2025 — that outstrips income gains by 6 percent a year. That would take average annual 2...