From doctors to lawyers to group health insurance professionals, we join our professional association for many reasons. Some join for continuation education, some for advocacy, and others for networking. In the group health insurance business where lately the only constant is change, I belong to our local, state and national associations for all these reasons.… Read More


It currently takes an average of 31 days to fill a position vacancy in the United States, according to a recent report by Deutsche Bank. This is the longest span ever, contrasted against 15 days to fill a job in 2009. As if to confirm the report, the National Federation of Independent Business (NFIB) recently… Read More


When obtaining health insurance for your small business, discuss with your employees the importance of maintaining a strong rapport and relationship with their primary care provider or physician. Indeed, the patient-doctor connection can be as important as an employee’s access to benefits. Why? Overall, a strong doctor-patient bond equates to better overall healthcare for your… Read More


Health coverage for employees presents one of the most critical decisions an employer encounters. Fortunately, because of innovative group plans, valuing your employees’ overall health does not need to strain your company’s budget. Credit the reference based pricing (RBP) program and group health insurance plans for the availability of an affordable employee plan. They allow… Read More


If you own a business you’re concerned about your company’s overall wellness. That concern should include thinking about the wellbeing of everyone in your company and taking steps to ensure they can take better care of their health. To make this possible, you should seriously consider providing your employees group health insurance coverage.… Read More


A lot of small business owners, particularly those with less than 50 employees, are reluctant to offer health insurance because of its cost. However, recent developments in the health care and insurance industry have led to more viable options.   With the many health plan carriers and public and private group health exchanges in California,… Read More


The ACA currently protects individuals from being denied coverage due to pre-existing conditions. Specifically, it prohibits both exclusions of coverage of specific benefits and complete exclusions from a plan or coverage based on a pre-existing condition. The AHCA retains these protections. However, it would allow issuers in states that receive waivers of the community rating… Read More