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HRAs To Be Used On Individual Coverage
The U.S. Department of the Treasury, Labor, and Health and Human Services (tri-agencies) issued a final ruling on June 12, 2019 allowing...
Karl J. Ruth Jr.
Jun 24, 20191 min read
Healthcare - In The Know
Vote on Health Care Won’t Come Until After 2020 Elections President Donald Trump stated in a series of recent tweets that a vote on a...
Karl J. Ruth Jr.
Jun 11, 20192 min read
Eye Health 101
Keeping your eyes healthy is a very important task. Fortunately, it’s also an easy thing to do. Here are five simple ways you can keep...
Karl J. Ruth Jr.
May 29, 20191 min read
Pet Parent Tips
What toxins are in your garden? Gardens can be a messiah of beauty and peace in your yard, but could poise trouble for your four legged...
Karl J. Ruth Jr.
May 13, 20193 min read
What’s in an emergency medical evacuation benefit?
Looking to travel overseas this summer? Even if you are already enrolled in a health plan, your coverage is limited when you travel...
Karl J. Ruth Jr.
Apr 4, 20194 min read
Urgent Care or Emergency Room: What’s the Difference?
You’re making dinner and cutting vegetables for a soup medley when all of the sudden….OOPS you accidentally slice your thumb. It’s...
Karl J. Ruth Jr.
Feb 12, 20192 min read
IPA Replaces HICA Tax
The Michigan Health Insurance Claims Assessment (“HICA”) tax has been repealed, effective as of October 1, 2018. On June 11, 2018,...
Karl J. Ruth Jr.
Jan 14, 20192 min read
What's Changing in 2019
Now that Open Enrollment for 2019 has ended, you can now enroll in or change your individual #medical plan ONLY if you have a life event...
Karl J. Ruth Jr.
Jan 10, 20191 min read
Protection and Flexibility: The Financial Advantages of a Life Insurance Policy
Life insurance is usually considered a financial safety net, a one-time payout designed to protect your family’s financial future. That’s...
Karl J. Ruth Jr.
Nov 21, 20183 min read
Is Your Agent Licensed?
When was the last time you checked to see if your health insurance agent was properly licensed and certified? There are plenty of cases...
Karl J. Ruth Jr.
Aug 22, 20183 min read
What Are Health Care Sharing Ministries?
A health care sharing ministry (HCSM) is an organization that facilitates sharing of health care costs among individual members, in the...
Karl J. Ruth Jr.
Aug 20, 20182 min read
Short-Term Health Plans - Final Ruling
On August 1, 2018 the Trump administration issued a final rule to expand the duration limit on Short-Term Health Plans. The current...
Karl J. Ruth Jr.
Aug 2, 20182 min read
Marketplace Open Enrollment 2019 Details Are In
Open Enrollment 2019 will start on November 1, 2018 and the health insurance Marketplace will remain open until December 15, 2018. ...
Karl J. Ruth Jr.
Jul 27, 20183 min read
Gigian Health Care Trends
In the coming decade, employees will be faced with a new set of opportunities and challenges centered around the so-called "on demand...
Karl J. Ruth Jr.
Jul 23, 20184 min read
Michigan Repeals HICA Tax
Governor Synder signed legislation to repeal the Michigan Health Insurance Claims Tax (HICA), Senate Bills 992-994 with immediate effect...
Karl J. Ruth Jr.
Jun 22, 20182 min read
Association Health Plans (AHPs)
The Department of Labor (DOL) released a final rule on June 19, 2018 to allow new options for associations to sponsor health plan for...
Karl J. Ruth Jr.
Jun 22, 20183 min read
Individual Plans Expecting Lowest Rate Increases for 2019 - BCBSM
In news recently published by Blue Cross Blue Shield of Michigan and Blue Care Network, the carrier has filed their individual rates for...
Karl J. Ruth Jr.
Jun 21, 20181 min read
5 Tips For Buying The Right Health Insurance
Insurance isn't sexy! What could be any less exciting than reviewing and looking for health plan options. The fact is that health plan...
Karl J. Ruth Jr.
Jun 13, 20183 min read
The Wake of Individual Mandate Repeal
The passage of the Tax Cuts and Jobs Act of 2017, on December 22, 2017, included a “repeal” of the individual mandate, that laid wake to...
Karl J. Ruth Jr.
Jun 6, 20182 min read
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