Believe it or not, in these days of rising health care costs, Anthem Blue Cross and Blue Shield actually reduced NH rates for individual health insurance policies by as much as 10% for the fourth quarter of 2010. Even more remarkable: These lower rates have been held through the first quarter of 2011. Applications for […]

Although The Patient Protection and Affordable Care Act (Health Care Reform) doesn’t fully go into effect until January 2014, several elements are in place now in 2010. The additional costs to cover these current enhancements will be primarily reflected in additional insurance premiums for individuals and small business health plans. To help pay for some […]

The Patient Protection and Affordable Care Act (Health Care Reform) provides an option for business group health insurance as well as individual health insurance to be grandfathered. If a health insurance policy was active prior to March 23, 2010 and the coverage elements remain essentially the same, it will be considered grandfathered.

The bulk of change in our health care system happens in 2014, but there have been some adjustments in 2010 and the next wave will be effective September 23, 2010. The changes are mostly additional mandates to policy provisions. While these required enhancements to health insurance policies are well-intentioned and will benefit certain people, they […]

In the past few months, I’ve heard more and more people say they’ll wait for the Affordable Health Care for America Act (a.k.a. Health Care Reform) to resolve their current health care issues. While there are a few elements of Health Care Reform that went into effect in 2010, most people seeking coverage won’t see […]

Most effects of health care reform won’t play out until 2014, but there are some important changes happening this year that small business owners should know about and try to capitalize on. The most significant health care reform impact in 2010 is the tax credit for small business owners.  To be eligible for this credit, […]