The Premier Health Insurance blog is constantly being updated with current and pressing topics, including Affordable Care Act changes, Open Enrollment dates, Medicare information, group health plan updates, as well as articles to help individuals and families get the best value for their hard-earned healthcare dollar.

Health Insurance Options After Losing a Job

Health Insurance Options After Losing a Job

Published January 10, 2024 327 Views

Coming to terms with the loss of a job is stressful enough on its own.  But when losing your job also results in the loss of your employer-provided health insurance, the effects can feel far more catastrophic.  This is especially relevant for older individuals, those with families, and individuals w...

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How a Local Health Insurance Agent Can Simplify Open Enrollment

How a Local Health Insurance Agent Can Simplify Open Enrollment

Published November 14, 2023 1056 Views

With the 2024 health insurance Open Enrollment in full swing, many families and individuals will find themselves shopping for medical insurance on their own for the first time.  And as with previous years, there’s no shortage of plan changes and new coverage options to keep things interesting.  If y...

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IL Health Insurance Open Enrollment Begins November 1st

IL Health Insurance Open Enrollment Begins November 1st

Published October 21, 2023 1649 Views

If you’re an Illinois resident who needs to purchase a new health insurance plan, or alter your existing coverage, the 2024 Open Enrollment period begins on November 1st 2023 and will run until January 15th.  And while the dates are consistent to those over the past few years, there will be a number...

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5 Mistakes Employers Make During Employee Health Plan Renewal

5 Mistakes Employers Make During Employee Health Plan Renewal

Published September 13, 2023 1821 Views

Renewing a group health plan is, as anyone charged with the task will surely agree, a complex and often frustrating process.  There are dozens and sometime hundreds of forms to fill out, various rates and coverage options to consider, and budgetary restraints which can make finding an affordable pla...

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Join the Company Health Insurance Plan or Buy Your Own?

Join the Company Health Insurance Plan or Buy Your Own?

Published August 17, 2023 1827 Views

For as long as people have been getting health insurance through their jobs, many find themselves questioning whether or not the plan, as selected by their employer, best meets their unique health and medical needs.  The process of choosing a group health plan can be nothing short of mentally exhaus...

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Understanding the Most Popular Types of Life Insurance Policies

Understanding the Most Popular Types of Life Insurance Policies

Published July 28, 2023 271 Views

Thanks to the seemingly endless stream of life insurance commercials that flood our airwaves and digital media, no one needs to be further reminded on the importance of having life insurance.  What can be helpful, however, is to know the core differences between the various types of life insurance p...

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How Long Term Care Insurance Helps Protect Your Assets and Loved Ones

How Long Term Care Insurance Helps Protect Your Assets and Loved Ones

Published June 28, 2023 307 Views

Whether for ourselves or for a loved one, many people are shocked to learn just how expensive things like hospice, in-home care, nursing homes and assisted living facilities can be.  On average, the annual cost of a nursing home can range from $40,000 to $70,000, while assisted living centers can ru...

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The Benefits of an Annual Health Insurance Plan Review

The Benefits of an Annual Health Insurance Plan Review

Published May 1, 2023 286 Views

Once you have a health insurance plan that provides ample coverage for your needs and the needs of your loved ones, it can be easy to simply forget about it.  After all, how much time do any of us really need to spend thinking about our healthcare coverage?  Still, this raises an interesting point,...

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Tips for Those Buying Health Insurance for the First Time

Tips for Those Buying Health Insurance for the First Time

Published April 10, 2023 521 Views

Regardless of whether you recently left your job, underwent a significant life change, or turned 26 and are no longer eligible under your parent’s policy, shopping for health insurance on your own for the first time can be a bit overwhelming.  The healthcare industry is more complex than ever before...

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Buying Health Insurance in Illinois After 2023 Open Enrollment

Buying Health Insurance in Illinois After 2023 Open Enrollment

Published March 9, 2023 642 Views

There’s no shortage of reasons for someone to miss the 6-week open health insurance enrollment that runs from November to mid-December, and we’ll explore several of these more closely later in the article.  But when you do, in fact, find yourself without health insurance early into the new year,...

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2023 Medicare Enrollment Begins on October 15

2023 Medicare Enrollment Begins on October 15

Published October 14, 2022 895 Views

If you or a loved one will be turning 65 in 2023, the Medicare Open Enrollment period will begin on October 15th and run until December 7, 2022.  While many are familiar with the process of signing up for Medicare, for many it can be a confusing process that comes with no shortage of questions.  At...

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The Benefits of Having Your Health Insurance Plan Reviewed Annually

The Benefits of Having Your Health Insurance Plan Reviewed Annually

Published September 21, 2022 856 Views

When you’ve had the same health insurance plan for any extended period of time, it can be easy to forget about it until you actually need it.  Or, until you discover a consistent pattern of premium increases, variables in your deductible, hospital/physician network changes, and so on.  And when you...

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5 Mistakes Businesses Make When Renewing Employee Health Insurance Plans

5 Mistakes Businesses Make When Renewing Employee Health Insurance Plans

Published August 25, 2022 1251 Views

The stretch between April and November is, understandably, one of the most popular times for companies to renew their group health plans.  There’s no real science to account for this.  It’s simply a matter of timing, and something that can be attributed back to the month when they first began offeri...

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Can I Buy Health Insurance During the Summer?

Can I Buy Health Insurance During the Summer?

Published July 20, 2022 1342 Views

With the health insurance Open Enrollment period serving as the new norm, many have been left wondering what they're supposed to do if they missed the enrollment deadline, but don’t want to go without quality medical coverage throughout the summer months?  Here are a few suitable options for those i...

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How to Lower Premiums When Renewing Your Group Health Insurance Plan

How to Lower Premiums When Renewing Your Group Health Insurance Plan

Published June 27, 2022 933 Views

One of the most frequently voiced concerns we hear from our group health insurance customers, is how substantially premiums have increased for employee health benefits.  And they couldn’t be more right.  Just when a business begins to get comfortable with their new premiums, find themselves shocked...

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7 Ways That Health Insurance Agents Help Simplify Healthcare Coverage

7 Ways That Health Insurance Agents Help Simplify Healthcare Coverage

Published June 10, 2022 681 Views

Even for those who have experience shopping for health insurance, the process has become increasingly complicated over the past few years.  There are more plans to choose from, new carriers entering the market, subsidy options, constantly-evolving compliance regulations to consider, and much more. ...

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How to Lower Your Monthly Health Insurance Premiums

How to Lower Your Monthly Health Insurance Premiums

Published May 10, 2022 1627 Views

It makes no difference whether you’re an individual, a family or a thriving local business, when it comes to keeping your health insurance premiums manageable, there are a few things that everyone needs to know before committing to a healthcare plan.  This is especially true for those who are buying...

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Employee Health Insurance Plans for New Businesses

Employee Health Insurance Plans for New Businesses

Published April 20, 2022 1193 Views

Starting a new businesses is one of the most exciting, and subsequently terrifying things an individual can do in this lifetime.  And regardless of your chosen industry, if you’re planning on offering health insurance benefits to your employees, there are a number of things to keep in mind before ma...

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Health Insurance Options for the Self-Employed

Health Insurance Options for the Self-Employed

Published March 18, 2022 505 Views

Starting a new business is, ironically enough, one of the scariest and most rewarding things a person can do in this lifetime.  The freedom of working for yourself provides great feelings of accomplishment, yet at the same time, the newfound responsibilities can be unpredictably overwhelming during...

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2022 Health Insurance Open Enrollment Starts Monday November 1st

2022 Health Insurance Open Enrollment Starts Monday November 1st

Published October 26, 2021 3077 Views

The annual health insurance Open Enrollment period will begin on Monday November 1st 2021 and end on January 15th 2022.  As with previous years, this year will bring a variety of changes and new plan options.  Keep in mind that in order to have active coverage on the first of the upcoming month, you...

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2021 COBRA Insurance Changes Under the American Rescue Plan Act

2021 COBRA Insurance Changes Under the American Rescue Plan Act

Published June 15, 2021 2870 Views

As many employers in Illinois have learned, COBRA continuation health insurance has changed dramatically in response to the 2021 American Rescue Plan Act (ARP).  As of the time of this writing, any employee who did not leave their position voluntarily is now eligible to receive free COBRA (or Illino...

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2021 Health Insurance Enrollment Extended Until August 15

2021 Health Insurance Enrollment Extended Until August 15

Published May 10, 2021 913 Views

For those who have been wondering whether or not it was possible to purchase health insurance under the 2021 Special Enrollment Period (SEP), it was recently announced that enrollment has been extended until August 15, 2021.  The decision was made in response to the COVID-19 pandemic, moreover to ac...

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New Health Insurance Subsidy Qualifications Take Effect April 1st 2021

New Health Insurance Subsidy Qualifications Take Effect April 1st 2021

Published April 8, 2021 1000 Views

Effective April 1st 2021, under the American Rescue Plan Act of 2021, many individuals and families who did not previously qualify for health insurance subsides (on account of earning a higher income) will now qualify for a healthcare subsidy, which could significantly lower their monthly health ins...

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Important Information for Indy Health Insurance Medicare Enrollees

Important Information for Indy Health Insurance Medicare Enrollees

Published March 26, 2021 1006 Views

It was announced in March that Indy Health Insurance Company, a standalone Medicare Part-D provider serving Illinois and several other states, had been immediately terminated. As a result of this cancellation, and as a measure of preventing coverage gaps, a Special Enrollment Period (SEP) was initia...

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Special Health Insurance Enrollment for COVID-19 Public Health Emergency

Special Health Insurance Enrollment for COVID-19 Public Health Emergency

Published January 29, 2021 1042 Views

From February 15th to May 15th, 2021 In accordance with an Executive Order issued by President Biden, the formation of a Special Enrollment Period (SEP) has been declared for individuals and families, in response to the COVID-19 Public Health Emergency which has left millions of Americans facing...

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Important 2020-2021 Health Insurance Dates to Remember

Important 2020-2021 Health Insurance Dates to Remember

Published October 20, 2020 1341 Views

Considering the vast scope of everything that’s taken place in 2020, it’s understandable that this year’s health insurance open enrollment has an all new element of importance to it.  Here are some of the most important dates for those in need of medical insurance, including Medicare for those turni...

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2021 Medicare Open Enrollment Begins October 15th

2021 Medicare Open Enrollment Begins October 15th

Published October 8, 2020 1458 Views

Enrollment for 2021 Medicare plans begins on October 15th and will run until December 7th 2020.  As with past enrollment periods, there are some plan changes that are new for 2021, including a few which have been implemented to help beneficiaries during the COVID-19 pandemic. This is a complex topic...

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How COVID-19 Affects Employee Health Insurance Renewals

How COVID-19 Affects Employee Health Insurance Renewals

Published September 10, 2020 1417 Views

One of the less talked-about aspects of COVID-19 and its effect on commerce, is the profound impact it is having on businesses who are in the process of group health plan renewals.  We’ve all heard about the layoffs, the furloughs, and the temporary closures, though there seems to be limited discuss...

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Importance of Group Health Plan Reviews During COVID-19

Importance of Group Health Plan Reviews During COVID-19

Published August 18, 2020 1135 Views

No one needs to be reminded of how significantly things have changed in 2020, as virtually every aspect of day to day life has been affected by the COVID-19 Coronavirus pandemic.  This is especially true for business owners and HR managers, as many have found themselves in the uncomfortable position...

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Ways to Support Small Business During Illinois Reopening

Ways to Support Small Business During Illinois Reopening

Published June 11, 2020 1498 Views

As Illinois gradually begins the process of reopening after three long months of COVID-19 stay-at-home orders, Premier wanted to take a break from our health insurance forum to go over a few ways to help support the small businesses who have been hit exceptionally hard by the pandemic.   Shop at...

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