What Repeal of the Individual Mandate Would Mean to Americans


The Republicans are at it again. The latest negotiations in the Senate on their tax bill have led them back to a proposal to eliminate the individual mandate under the Affordable Care Act. The lure of more than $300 billion in tax savings as calculated by the nonpartisan Congressional Budget Office (CBO) is too big a number… [Read More]

ACA Penalties Are About to Hit Employers

ACA Penalties Are About to Hit Employers

Reach way back into your memory bank to the time when your broker presented you with a “pay or play” analysis to determine whether you comply with the employer mandate under the Affordable Care Act. There was the $2,000 penalty which applies to every full-time employee in the event there was no valid offer of… [Read More]

It’s a Legislative Circus Out There

It’s a Legislative Circus Out There

My predictive skills have been working pretty well on healthcare reform. I suggested that it wouldn’t be easy or quick. I thought the House would fall in line and the Senate would eke something out – and that it ultimately will come to a thumbs up / thumbs down in both houses of Congress. With… [Read More]

Healthcare. Okay. Now What Do We Do?

Flag and Stethoscope

What a week it’s been. I am not sure why President Trump thinks that his latest attempt to coerce the Republican Congress will work better than his past efforts. The Democrats relied on 50 votes to get the Affordable Care Act (ACA) through and now the Republicans are trying to rely on 50 votes to make… [Read More]

Watch Out for the Unintended Consequences of Washington Shenanigans


Once again President Trump is threatening to drop the Obama administration’s appeal of the Federal Circuit Court ruling that would disallow funding for cost-sharing subsidies for low-income Americans. These subsidies amount to about $7 billion a year and would affect about 7 million members who obtained coverage on the individual market. As a result, this is… [Read More]

Donald Trump is Coming to Town


A musical and seasonal spin on U.S. healthcare and politics as we get ready to close out 2016. Set to the tune of Bing Crosby’s “Santa Claus is Coming to Town” SHARE THIS!

What Will Trumpcare Mean for Employers?


Post-election, I have met with dozens of employers and the number one question on their mind is: what will the new administration do to our healthcare strategy and what steps do I take to correctly position my employee benefit program? The short answer is to stay the course. Except for those employers offering Minimum Essential… [Read More]

Helping Employees Escape the Emotional Election Rollercoaster


It’s been a month since the presidential election and people are still experiencing a range of reactions. Some are excited and feeling hopeful about the changes President-elect Trump has presented in some of his thoughts for his first 100 days and the duration of his term – nationwide emotions are flaring. Many employees are experiencing… [Read More]

Healthcare – A High-Stakes Political Gamble


President-elect Trump is starting to get a taste of the realities of post-election politics. ‘Repeal and replace’ has shifted to ‘repeal and delay’ and as I had predicted, it looks like change is a couple of years away. The GOP will be moving to swiftly vote a repeal but will extend much of the Obamacare exchanges… [Read More]

What We Can Expect From Trump on Healthcare

Reshaping Healthcare in the United States

Maybe this won’t be so bad. I think I have him figured out. Donald Trump seems to operate like the mob. On every issue he comes out of the gate with guns (and Twitter) blazing. This evokes fear and intimidation of foes and even allies – and sets the stage for a more moderate compromise…. [Read More]