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.

Understanding COBRA and IL Continuation Health Insurance

Understanding COBRA and IL Continuation Health Insurance

Published November 30, 2016 2418 Views

Many questions arise when an employee leaves the company, with some of the most confusing and sensitive centered around their rights to continued health insurance benefits.  Illinois employees who were actively participating in the company group plan, are entitled by law to receive ongoing medical,...

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Managing 2017 Illinois Health Insurance Premium Increases

Managing 2017 Illinois Health Insurance Premium Increases

Published October 28, 2016 1875 Views

If you're in Illinois and have been paying any attention to the news lately, you've heard some rather grim tales about the drastic health insurance premiums that are on the way.  From the most accurate reports we can gather, premiums on medical insurance are expected to go up an average of 51% this...

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2018 Employer Group Health Insurance Renewal Checklist

2018 Employer Group Health Insurance Renewal Checklist

Published September 14, 2016 3600 Views

As more businesses prepare for the process of renewing their group health insurance plan, the topic of ACA compliance becomes increasingly important… just as stressful.  Regardless of whether you're offering employee medical benefits for the first time, or well-versed on the ever-evolving tenets of...

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If Your Land of Lincoln Health Insurance is Being Cancelled

If Your Land of Lincoln Health Insurance is Being Cancelled

Published July 28, 2016 2161 Views

With Land of Lincoln officially announcing the cancellation of all health insurance plans on October 1st  (including all individual, family and group plans) many are wondering if this is the new norm.  You buy a plan, pay the premiums for the better part of a year, only to receive a notice that the...

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Choosing the Most Appropriate Life Insurance Policy

Choosing the Most Appropriate Life Insurance Policy

Published June 10, 2016 3534 Views

By now it's safe to assume that you don't need any reminders on the importance of having life insurance.  Commercials run non-stop from morning to night, painting grim pictures of widowed single-mothers trying desperately to comfort her now fatherless children.  Despair-themed scare tactics migh...

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Health Insurance After Getting Married

Health Insurance After Getting Married

Published May 3, 2016 2386 Views

Getting married is clearly one of the most significant change a person will make during the course of their lifetime.  In light of all the planning and preparation that go into weddings, it's understandable that few give consideration to how the marriage will affect their health insurance coverage....

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Turning 65 and Preparing for Medicare

Turning 65 and Preparing for Medicare

Published April 7, 2016 2165 Views

If you're nearing your 65th birthday, it’s safe to assume that you're likely paying more attention to all of the Medicare ads on television.  Making the transition from traditional health insurance to Medicare can be a bit overwhelming, and this is especially relevant for those who've recently retir...

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Did Your Company Discontinue Life Insurance?

Did Your Company Discontinue Life Insurance?

Published March 4, 2016 2356 Views

We took an interesting call the other day, it was from a woman in her late 20's, in a bit of a panic over the fact that her employer, without any real warning, was doing away with the technology firm's company-sponsored life insurance plan.  After assuring her that this was actually a very simple an...

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Preparing for Your 2016 Group Health Plan Renewal

Preparing for Your 2016 Group Health Plan Renewal

Published February 18, 2016 2175 Views

Many business owners learned a financially painful lesson last year, while renewing their company's employee health insurance plan: 'tis far better to enter the process prepared, than to sit back and wait to see how much the carriers have raised your premiums.  As everyone was warned well in advance...

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Importance of Annual Group Health Plan Review

Importance of Annual Group Health Plan Review

Published February 8, 2016 2350 Views

Anyone who owns a business or manages its employee health insurance plan, will be the first to admit that the process of offering employer-provided coverage has changed immensely over the past few years.  Prior to the advent of the Affordable Care Act, the process was already stressful and demanding...

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Can I Buy Health Insurance After Open Enrollment Ends?

Can I Buy Health Insurance After Open Enrollment Ends?

Published February 3, 2016 2129 Views

Since the advent of open enrollment circa the Affordable Care Act, there have been those who were either unwilling, unknowing or otherwise unable to purchase coverage.  For many it was a matter of intense network congestion while attempting to sign-up during the final week.  Just as many others didn...

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Avoiding Cheap Health Insurance Scams

Avoiding Cheap Health Insurance Scams

Published January 19, 2016 2427 Views

With health insurance premiums skyrocketing 20-40% this year, it should come as no surprise that there are organizations preying on those looking for more affordable coverage.  In the past few weeks, it has been brought to our attention that some companies are contacting people with offers of low-co...

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How Health Insurance Agents Make Open Enrollment Easy

How Health Insurance Agents Make Open Enrollment Easy

Published December 30, 2015 2056 Views

As many Illinois residents are finding out, buying health insurance during the final month of open enrollment can be one stressful endeavor.  Hundreds of thousands of people all trying to get through to carriers at once, with just as much traffic on the healthcare marketplace website.  This can resu...

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2016 Healthcare Open Enrollment Frequently Asked Questions

2016 Healthcare Open Enrollment Frequently Asked Questions

Published December 15, 2015 2453 Views

Now that we've officially arrived at the halfway point of this year's open enrollment period, we've had time to gauge some of the more pressing and commonly-voiced concerns.  Here are ten of the most frequently asked questions among those shopping for medical insurance, as well as those looking...

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Understanding the Difference Between EPO and PPO Health Insurance Plans

Understanding the Difference Between EPO and PPO Health Insurance Plans

Published December 9, 2015 2801 Views

If you've been keeping up with all of the recent and forthcoming health insurance industry changes, you may have come across a term that was brand new to you.  EPOs, or Exclusive Provider Organizations, have actually been around for years.  In light of ongoing premium increases and large network PPO...

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Beware the Final Weeks of Open Enrollment

Beware the Final Weeks of Open Enrollment

Published December 2, 2015 2172 Views

If you haven't been holed-up in some remote mountain shack for months, it's safe to assume that you're aware of the widespread changes coming to health insurance in 2016.  Premium increase notices have been going out in droves, and countless families and individuals have learned that their plans are...

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2016 Rate Increase Expected on Silver Health Insurance Plans

2016 Rate Increase Expected on Silver Health Insurance Plans

Published November 18, 2015 2006 Views

It's become clear that few people will be exempt from the 2016 health insurance premium increases already in place, and scheduled to take effect after the first of the year.  According to a report in the Washington Post, consumers who purchased Silver health plans on the healthcare.gov website can e...

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What Makes This Year's Open Enrollment Different?

What Makes This Year's Open Enrollment Different?

Published November 11, 2015 2290 Views

Now that we're a few weeks into the 2015-2016 health insurance open enrollment period, it's become clear that this one stands out among the most unique.  In this article we're going to review some of the most concerning issues, before shedding some light on how to ensure that your coverage remains a...

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Options for Dealing with 2016 Health Insurance Rate Increases

Options for Dealing with 2016 Health Insurance Rate Increases

Published November 4, 2015 2306 Views

As more individuals and families receive notifications regarding premium increases on their health and medical insurance, we've received many requests for information on the various options available.  Many will see their plan cancelled at the end of the year, while an equally concerning number are...

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Blue Cross Blue Shield IL to Cancel Metallic Health Insurance Plans in 2016

Published September 25, 2015 2883 Views

In an announcement made to Illinois health insurance agents recently, Blue Cross Blue Shield of Illinois, the state's largest and most influential health insurance carrier announced that it will no longer be offering large-network PPO coverage to those with Bronze, Silver, Gold or Platinum health pl...

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It's Group Health Plan Renewal Time

Published September 14, 2015 2183 Views

For months now, there have been rumors floating around regarding the subject of 2016 group-health premium increases.  As many hardworking businesses are finding out right now, these were far from being just speculation.  Some businesses are facing renewal increases that range anywhere from 20-40%, a...

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Managing Group Health Insurance Premium Increases

Published August 11, 2015 2733 Views

5 Things Your Company Can Do to Keep 2016 Rates Affordable When it was announced that group health insurance premiums would be subject to sharp increases in 2016, an average of 20-40% based on industry chatter, it's safe to assume that small business owners from every industry felt a similar sin...

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How the Affordable Care Act Affects Various Economic Groups

Published July 30, 2015 2618 Views

If we have learned anything from our history as an advanced and highly-industrialized society, it is that any measure of sweeping changes enforced on the People will always come with their fair share of wide-ranging speculation.  In the case of the Affordable Care Act and US health care reform, ther...

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How the Supreme Court Ruling Will Affect Health Insurance Premiums

How the Supreme Court Ruling Will Affect Health Insurance Premiums

Published July 9, 2015 2026 Views

By now, most people have come to terms with the fact that health insurance, as we've collectively known it for decades, has been forever changed.  Even prior to the 6-3 supreme court ruling in favor of the Affordable Care Act and health insurance tax subsidies, social media and water coolers chats w...

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Alternative Funded Group Health Plans for Reduced Premiums

Alternative Funded Group Health Plans for Reduced Premiums

Published June 16, 2015 2068 Views

Since the onset of the Affordable Care Act, many thriving companies have seen their group health rates soar to unexpected and unaffordable levels.  By subjecting groups to community ratings, fixed premium increases and other ACA-related stipulations, a concerning number of businesses are now paying...

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Buying Health Insurance When You're Self-Employed

Buying Health Insurance When You're Self-Employed

Published April 2, 2015 2235 Views

Regardless of whether you've recently left your job to start a small business, or are making plans to branch out on your own, buying health insurance is something that many entrepreneurs will have to deal with; some quite possibly for the first time in their careers.  This was a big decision even be...

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Choosing the Right Life Insurance Policy

Choosing the Right Life Insurance Policy

Published March 19, 2015 2183 Views

You certainly don't need us telling you about the importance of protecting your loved ones in the event of an untimely passing.  It's an issue that has been well publicized over the years, and is something that many hardworking people worry about every day.  Coincidentally, very few know where to st...

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IL Open Enrollment Extended One Week

IL Open Enrollment Extended One Week

Published February 18, 2015 2468 Views

Now that the 2015 open enrollment is officially closed, it was announced that a limited one-week extension will be granted for those who were not able to sign up for health insurance in time.  The extension itself was issued to allow those who experienced technical difficulties during the final week...

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Extended Office Hours on Last Day of Open Enrollment

Extended Office Hours on Last Day of Open Enrollment

Published February 11, 2015 2087 Views

With the close of the 2015 open enrollment just a few days away, Premier would like to extend a special invitation to those who need last-minute assistance signing up for Illinois health insurance.  On Sunday February 15th, our Lisle office will remain open until 9:00 that evening.  If you've been p...

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As 2015 Open Enrollment Draws to a Close

Published January 27, 2015 2090 Views

With less than three weeks left in the 2015 health insurance open enrollment, it's clear that many people still have lots of questions and concerns when it comes to deciding which coverage is best for their unique situation.  In this article we wanted to go over some of the most frequently asked que...

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