IL Health Insurance Articles & Info

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,...

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 ch...

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 pa...

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 you couldn’t be more right.  Many businesses who were just getting comfortable with their monthly premiums, were sho...

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 ev...

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 w...

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...

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...

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 aske...

With the 2015 open enrollment period in full stride, scores of Illinois residents are learning a hard lesson about how the new system of health insurance works.  Actually, this particular aspect is not quite that new.  But in light of how new the concept of open enrollment is to the genera...

During the time leading up to open enrollment, thousands of individuals and families received notices informing them of their options for 2015 health insurance.  At face value it's pretty simple: If you like your existing plan, keep it and do nothing.  If you don't, you have the freedom to...

One of the most misunderstood aspects of buying health insurance under the new laws, is whether or not it is possible to get rates that are cheaper from one source to another.  Many are under the impression that dealing directly with the carrier will ensure the lowest premiums, while others hav...

Even if you're among the most computer-savvy, signing up for health insurance online can be a little intimidating.  The system is essentially brand new to everyone, and this can increase the time that it takes to ensure that your plan is accurate and befitting of your real healthcare needs....

With the 2014-2015 IL open enrollment period upon us, we understand that many residents still have a lot of questions on what it is, how to sign up, and what's covered.  Here are some of the most commonly asked questions that we're hearing at our agency about health insurance open enrollment.&n...

As many businesses eventually find out, hiring a payroll company to provide and manage your group health plan isn't always as good a decision as it originally seemed.  Yes, it might sound convenient to bundle your payroll and employee health benefits, but the simple reality is that there are to...

As many families and individuals found out last year, making even the most simple mistake when signing up for health insurance can be costly, stressful and surprisingly time consuming.  The process of shopping for healthcare coverage has changed drastically since the advent of the Affordable Ca...

Many Humana health insurance policyholders are going to be in for quite a shock, as they learn that their plan will be cancelled at the end of the year.  Notices have been going out to an untold number of Humana's customers, informing them that their health plan would be terminated after Decemb...

Healthcare reform, as virtually every US citizen knows, has initiated a seemingly endless series of changes to the process of shopping for health insurance.  And it should come as no surprise that businesses offering health plans, continue to be among the groups most significantly affected by t...

There has been a great deal of speculation over how businesses, based specifically on their size, will be affected by the Affordable Care Act.  Among the most pressing issues, businesses want to know how their rates are being determined, their obligation to offer a group health plan, and how mu...

As the November 2015 healthcare open enrollment inches ever closer, the diversity of questions we hear at our agency continues to evolve.  Individuals and families are concerned about things like premium increases, tax credits and potentially having to renew policies they recently purchased.&nb...

If you're wondering how you're going to be able to afford health insurance this year, you're certainly not alone.  Healthcare reform has resulted in ongoing premium increases since its inception, and there's really no way to tell where the cap is at this point.  One of the groups affected...

With summer on its way out, many people have been giving more thought to the upcoming open enrollment and process of applying for health insurance coverage .  Are the rules the same as they were last year?  Have new rules been added over the summer?  Do I enroll online, in person, ove...

As business owners continue to deal with the sticker shock of their 2015 group health insurance renewals, many are looking for ways to continue offering their staff medical benefits that are affordable, easy to understand and generous in coverage.  And as many have discovered, Health Savings Ac...

With many companies now receiving their group health insurance renewals, more and more businesses are experiencing the sticker shock that industry insiders have been forecasting since the passing of the Affordable Care Act.  And while some of these increases are on the modest side, just as many...

One of the most common complaints we hear about the new healthcare reform laws, is the massive influx of human resource documents that businesses are now required to provide.  Aside from knowing which ones are needed and filling them out properly, the mere act of finding the most current and le...

As we approach the start of the 2015 open enrollment period, more businesses are wondering what they can do to help reduce their group health premiums, while still providing reliable coverage to their employees.  For a growing number of companies, level-funded self-insured health plans continue...

As companies across the US begin the process of preparing for open enrollment, many business owners and HR departments are still unsure of what will happen come November.  In the spirit of helping those charged with the task of choosing or renewing a group health plan, we thought that this woul...

We've heard from many individuals who, for any number of reasons, found themselves unable to purchase health insurance before open enrollment closed this past March.  Ultimately this resulted in many people having to either pay cash for doctor and hospital visits, or simply take their chances i...

As many business owners are discovering, it's important that their health insurance agent have knowledge on Healthcare Reform that extends far beyond the morning news.  The new regulations regarding issues such as documentation, healthcare tax, compliance mandates, and others are constantly cha...

If you own or manage a business that offers employee health insurance, the stretch of time between now and November is more important than you might realize.  Under the new system of healthcare reform, many businesses are under the impression that there's nothing they can do about their premium...