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.

Benefits of Self-Insured Level-Funded Group Health Insurance

Published August 13, 2014 3069 Views

Benefits of Self-Insured Level-Funded Group Health Insurance

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...

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Options for Group Health Insurance Plan Renewal

Published August 6, 2014 1740 Views

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...

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Buying Short-Term Health Insurance Prior to Open Enrollment

Published July 29, 2014 1817 Views

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...

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Working with Health Insurance Agents Who Offer HR Services

Published June 17, 2014 1777 Views

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...

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Reviewing Your Group Plan Before Open Enrollment

Published May 20, 2014 1862 Views

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...

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Making Changes to Your Health Insurance Plan

Published May 6, 2014 1679 Views

With summer fast approaching, many people will be making some rather significant changes to their lives.  Whether it's walking down the aisle, welcoming a new baby into your home or accepting that new job, one thing that must be taken into consideration is how your health insurance needs will a...

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Health Insurance Options During Closed Enrollment

Published April 23, 2014 1974 Views

Now that the April 1st healthcare deadline has come and gone, it's understandable that there are many out there who still need coverage.  Whether you weren't in a financial position to buy a health insurance plan, were unable to qualify for a subsidy, or deliberately decided to take the tax pen...

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What If You Missed the Health Insurance Deadline?

Published April 2, 2014 2019 Views

What If You Missed the Health Insurance Deadline?

There has been great debate over the past few days, regarding what happens if you fail to buy health insurance by the stated March 31 cutoff date.  For many, it was a matter of not being able to get through to the healthcare.gov website, being stuck in a virtual waiting room, or not finding the...

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Two Very Important Health Insurance Deadlines Approaching

Published March 13, 2014 2112 Views

Two Very Important Health Insurance Deadlines Approaching

While, for many, March has become synonymous with green beer and college basketball tournament brackets, there's a pressing issue at hand that everyone needs to make themselves aware of.   March Deadlines for 2014 Medical Insurance Anyone who has been shopping for health insurance over th...

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An Easy Way to Lower Your Health Insurance Premiums

Published February 28, 2014 2086 Views

For those who are not in a financial position to apply for a healthcare subsidy, or get a reduced premium under Obamacare, there has been no shortage of health insurance sticker shock.  Individuals and families from all over Illinois have seen rate increases ranging from moderate to jaw-droppin...

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Obamacare Qualifications: Medicaid or Healthcare Subsidy?

Published February 19, 2014 5257 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 2306 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 2268 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 2929 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 1900 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 1874 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 3671 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 2623 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 2031 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 2784 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 2594 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 2123 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 2030 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 2781 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 2001 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 2153 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 2359 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 2304 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 5089 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 2270 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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