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

Obamacare Qualifications: Medicaid or Healthcare Subsidy?

Published: February 19, 2014 1:00pm 4946 Views

Obamacare Qualifications: Medicaid or Healthcare Subsidy?

While enrollment in the Affordable Care Act continues to gradually increase, there are still many aspects which have people unsure on how to proceed.  Among the most universal, is whether or not an individual or family will qualify for a health insurance subsidy, of if they will be eligible for...

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2014 IL Health Insurance Open Enrollment

Published: February 11, 2014 12:31pm 2003 Views

2014 IL Health Insurance Open Enrollment

If you're new to buying health insurance on your own, or even if you're among the more healthcare savvy, you've probably heard the term open enrollment period being used in excess lately.   In short, open enrollment represents the time when new plans can be purchased, as well as when exist...

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The Facts on Fines for not Having Health Insurance

Published: January 28, 2014 1:25pm 1910 Views

One of the most controversial aspects of the new healthcare system, involves the income fines that are set to be imposed on those who don't carry active coverage in 2014.  Since media coverage of this has been spotty at best, we wanted to go over some of the real numbers and facts behind the fi...

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Making Changes to 2014 Health Insurance Plans

Published: January 24, 2014 1:06pm 2647 Views

The Affordable Care Act, as most already know, has brought an entirely new set of rules to the US health insurance system.  One of the most concerning, is also one that's not being talked about on the news with nearly enough urgency.  If you purchased a new healthcare plan in 2014 it likel...

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How to Ensure the Best Health Insurance Tax Subsidy

Published: January 20, 2014 1:29pm 1600 Views

How to Ensure the Best Health Insurance Tax Subsidy

With Obamacare now in what appears to be a relatively steady groove, many are wondering whether or not they will qualify for government healthcare subsidies.  Regardless of whether you love or loathe the idea of healthcare reform (we have our own opinions, too) it looks like it's here to stay.&...

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A Simple Way to for Business Owners to Lower their Group Health Insurance Premiums

Published: January 15, 2014 2:57pm 1543 Views

While many businesses are enjoying a one-year grace period from the rate increases under Obamacare, it's important to remember that this is only temporary.  Come October 2014, many hard working business owners and human resource directors will have some very tough decisions to make.  Moreo...

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Blue Cross Blue Shield to Allow Renewal of Existing Health Insurance Plans

Published: December 4, 2013 2:53pm 3308 Views

After close to six weeks of frustration, confusion and ongoing pressure on the Obama administration, the country's largest health insurance carrier, Blue Cross Blue Shield, announced this week that existing individual customers will, in fact, be able to renew their current healthcare coverage plans....

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What People are Saying About Obamacare

Published: October 28, 2013 3:23pm 2139 Views

Here are just a few of the Obamacare comments we found online.  Regardless of where you stand on the health insurance issue, it's clear that many Americans feel thay have been lied to and mislead.   "It is not a kink when people have their insurance cancelled and the replacement cost...

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Avoiding Healthcare Marketplace Problems & Glitches

Published: October 16, 2013 4:03pm 1730 Views

Now that we're two weeks into open enrollment for subsidized healthcare, many have found that the process is nowhere near as simple as it was touted.  In light of countless comments from infuriated users, the process has been rife with frustration, based mainly on the many challenges that have...

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Will You Qualify for Affordable Care Health Benefits in IL?

Published: September 19, 2013 12:30pm 2493 Views

Will You Qualify for Affordable Care Health Benefits in IL?

The Affordable Care Act has left many wondering whether or not they will qualify for discount health insurance plans, though finding answers seems rife with confusion.  With the news changing daily, it's no wonder why there's confusion over who qualifies, who doesn't, and how to go about gettin...

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Understanding the IL Health Insurance Exchange

Published: September 11, 2013 10:48am 2286 Views

Understanding the IL Health Insurance Exchange

Based on a concerning number of conversations we've had with our friends and colleagues, it's clear that there is still a frightening amount of confusion regarding how drastically the health care system is going to change.  What was even more surprising, was that the majority of those we speak...

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Obamacare Delays Out-of-Pocket Maximums on Consumers

Published: August 15, 2013 4:51pm 1792 Views

Obamacare Delays Out-of-Pocket Maximums on Consumers

When the Obama administration announced that businesses would be given an additional year to prepare for the rollout of the Affordable Care Act, there was immediate blowback from scores of consumer groups seeking the same leeway.  Sadly, the People will just have to wait. On August 13th, in...

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The Countdown to Subsidized Health Insurance

Published: August 5, 2013 3:57pm 1716 Views

As the October 1st open registration for subsidized health insurance draws nearer, it's remarkable just how many people, both insured and uninsured alike, are still in the dark regarding the sweeping changes that are coming in 2014.  From within the industry it is evident that health insurance...

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How Universally-Affordable is Health Care Reform?

Published: July 10, 2013 1:40pm 2376 Views

While still an Illinois Senator making his first bid for the white house, President Obama repeatedly ensured Americans that we could be a nation which provided universally-affordable health insurance to every citizen.  Here we are six years later, at the cusp of enforcing the Affordable Care Ac...

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Obamacare Business Delays Until 2015

Published: July 3, 2013 12:56pm 1679 Views

In a move that has brought temporary sighs of relief to many business owners, the US Treasury Department announced on Tuesday, that mandates forcing many small businesses to provide employee health insurance, will be delayed for one year.  The decision to postpone many of the new healthcare law...

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Why Adding Dental Insurance in Chicago is Wise

Published: May 31, 2013 4:04pm 1800 Views

Why Adding Dental Insurance in Chicago is Wise

Many people shy away from adding dental insurance to their policy, mainly out of fear that it will send their premiums through the proverbial roof.  Not true.  In fact, dental coverage is actually among the most inexpensive options when it comes to health insurance available.  Here...

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Choosing IL Health Insurance for New Employees

Published: May 9, 2013 12:54pm 2009 Views

Choosing IL Health Insurance for New Employees

The moment you add employees to your company, you're taking a big step in the world of entrepreneurship.  If you intend on keeping them for any length of time, you will probably want to offer them a health insurance plan they can have faith in.  This lends the question of which plan to cho...

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Will my IL Health Insurance plan Cover Pregnancy?

Published: April 12, 2013 4:29pm 1976 Views

Having a baby in the 21st century is not cheap by any stretch of the imagination.  From prenatal care and tests, to delivery room costs and care after delivery, it is one of the most common and expensive medical procedures a person can undergo. Getting into the actual numbers is a bit tricky...

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Will my Health Insurance Health Insurance Premiums Go Up in 2014?

Published: March 25, 2013 1:00pm 4742 Views

If there is one question on the minds of those who purchase IL health insurance, it is whether or not to expect a rate hike in 2014.  Sadly, there isn't much good news here.  If you currently pay for your health insurance, even if you have been paying for it consistently for many years, th...

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Does Health Insurance Cover Chiropractic Care?

Published: March 11, 2013 7:51pm 1911 Views

For millions, chiropractors are a total Godsend. Here at our Chicago health insurance agency, we are often asked a diverse spectrum of questions; one of the most common, as you might expect, is: "Is chiropractic care covered by health insurance?" The short answer is, maybe. Let's explain. When wo...

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Illinois HRA - Health Retirement Accounts

Published: February 28, 2013 6:26pm 3110 Views

Illinois HRA - Health Retirement Accounts

It's certainly no secret that the cost of health care in the United States has soared since the onset of the Affordable Care Act. If you're like many small business owners, you've likely felt first-hand the costly impact this can have on your business' bottom line. Medical health claims are at all-t...

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Short-Term & Temporary Health Insurance in IL

Published: February 12, 2013 4:40pm 1832 Views

Life has a cruel and somewhat ironic way of waiting until we are at our most vulnerable point before unleashing its most devastating events. This is especially true in the case of those who undergo catastrophic, unexpected health issues while riding out a gap in their health insurance coverage. A...

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Choosing Whole Life or Term Life Insurance

Published: January 17, 2013 11:38am 1897 Views

If you're like many people, you probably don't spend a lot to time thinking about issues such as life insurance, mortality or funeral expenses. In a way, this is ironic. Nearly two-thirds of the county is considered overweight, with an estimated 33% falling into the category of clinically obese. The...

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Purchasing You Own Health Insurance in Chicago

Published: December 7, 2012 2:11pm 1959 Views

It's been statistically proven that a reputable health insurance plan is one of the most effective ways to attract and retain the most qualified employees. With Chicago being such a competitive market, choosing the right IL healthcare plan for your business is a decision you should not take lightly....

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Why Short-Term Health Insurance in Chicago?

Published: December 5, 2012 5:01pm 1867 Views

Life has a cruel and somewhat ironic way of waiting until we are at our most vulnerable point before unleashing its most devastating events. This is especially true in the case of those who undergo catastrophic, unexpected health issues while riding out a gap in their health insurance coverage. W...

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Lower Your Health Insurance with Healthy Living

Published: December 3, 2012 11:21am 1841 Views

Those of us in the healthcare coverage industry, are the first to admit that health insurance is not cheap.  And while there are many reasons for this, one of the most influential involves the staggering amount of people who have essentially given up on their good health. It's easy to think tha...

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Choosing an IL Group Health Insurance Plan

Published: November 26, 2012 1:02pm 1838 Views

Choosing the best small group coverage is a dilemma that almost every new Chicago business owner will have to face at some point.  You want a plan that meets the wide-ranging needs of your staff, as well as one that won't make it impossible to turn a profit each month.  Here are a few thin...

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Why Consider an IL Health Insurance Broker

Published: November 19, 2012 12:09pm 2423 Views

Why Consider an IL Health Insurance Broker

There seems to be a lot of misinformation and confusion out there when it comes to working with health insurance agents.  In this article we will discuss the role of a health insurance agent (or health broker), what to look for when choosing an agent, and what to expect when you talk or meet fo...

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What is Long Term Care Insurance?

Published: November 16, 2012 11:31am 1986 Views

What is Long Term Care Insurance?

Approximately 1 in 4 adults will need long term care in Illinois.  Are your loved ones protected? Let's face it; no one looks forward to the day when they will rely on someone else to take care of them.  It is arguably one of the most difficult decisions any person will ever have to mak...

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Common Health Insurance Misconceptions

Published: November 14, 2012 5:51pm 1907 Views

It's no secret that health insurance can be quite complicated, especially when buying it for the first time.  Even as a health insurance broker, keeping up with all the new regulations, rule, policy changes, and stipulations can be mentally-overwhelming.  And as with anything that has pote...

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