In 2014, the Affordable Care Act or ACA changed the way insurance companies were allowed to rate small group health insurance plans.  Prior to the ACA, insurers were allowed to rate plans based on factors such as insured members’ age/gender/health, location of the...

Consolidation in the health insurance industry over the past decade has resulted in fewer insurers, fewer choices, and higher health insurance premiums.  In the Chicago market, there are only two insurance companies that offer competitively priced HMO plans.  However,...

  Employers often begin to receive Marketplace Appeal Notices after the Healthcare Marketplace’s open enrollment period ends.  The letter notifies employers of employees who enrolled in Marketplace coverage and obtained an advanced premium tax credit for at least...

The Affordable Care Act (ACA) is the law of the land and there has been minimal “noise” regarding ACA in the recent past.  However, in D.C. there remains a lot of chatter about the fate of ACA, especially with some politicians calling for Medicare for All....